BANCOMAT Pay is a digital payment service offered in Italy. It allows consumers to make electronic payments and send money using their smartphone, typically linked to their current account or debit card. Learn more about BANCOMAT Pay.

Payment method properties


Markets (consumer)	`IT`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Settlement currencies	`EUR`
Authentication methods	`REDIRECT`
Authentication timeout	1 hour
Minimum payment amount	0.01 EUR
Maximum payment amount	No limit. Based on the consumer's bank account balance or the individual bank's rules on the transaction limit.
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	12 months
Disputes	Yes
Sandbox availability	PPRO mock processor

Make a BANCOMAT Pay payment

Bancomat Pay payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

To create an Bancomat Pay payment, you'll need to provide the following data at minimum when calling our payment charges API:

Field	Description
paymentMethod	`BANCOMATPAY`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`EUR`
consumer.country	The country where the consumer is shopping
authenticationSettings: REDIRECT settings.returnUrl	Specify the URL to which the consumer should be redirected after completing the payment.

Request

POST /v1/payment-charges

{
  "paymentMethod": "BANCOMATPAY",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "IT"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "BANCOMATPAY",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "EUR",
  "country": "IT",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "IT"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created for BANCOMAT Pay, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_5ChenWBwW8xARvJ3GccAx",
    "type": "PASSTHROUGH_WALLET"
}