Online Banking Estonia
Estonian online bank transfers are a secure and highly popular payment method among local consumers. We support all major Estonian banks and financial institutions offering internet banking, including Swedbank, SEB, LHV Pank, Coop Pank, Citadele, Revolut, Paysera, and Nordea. Learn more about Estonian Banks.
Payment method properties
Markets (consumer) | EE |
Processing currencies | EUR |
Consumer currencies | EUR |
Authentication methods | REDIRECT |
Authentication timeout | 1 hour |
Minimum payment amount | 0.01 EUR |
Maximum payment amount | Varies by bank |
Payment instrument | BANK_ACCOUNT |
Recurring payments | No |
Separate captures | No |
Refund | No |
Refund validity | N/A |
Disputes | No |
Settlement risk | No |
Make an Estonian Bank payment
Estonian Banks payments follow our standardized REDIRECT
payment flow. However, we recommend including all relevant settings for any authentication methods you support.
To make a Estonian Banks payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges endpoint:
Field | Description |
---|---|
|
|
| The amount to be paid in the smallest units of the currency used. |
|
|
| The country of residence of the consumer. |
authenticationSettings: REDIRECT
| Specify the URL to which the consumer should be redirected after completing the payment. This is required for the |
Request
POST /v1/payment-charges
{
"paymentMethod": "ESTONIAN_BANKS",
"amount": {
"value": 1000,
"currency": "EUR"
},
"consumer": {
"country": "EE"
},
"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": "ESTONIAN_BANKS",
"paymentMedium": "ECOMMERCE",
"scheduleType": "UNSCHEDULED",
"instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
"currency": "EUR",
"country": "EE",
"status": "AUTHENTICATION_PENDING",
"consumer": {
"country": "EE"
},
"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": [],
"discards": [],
"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"
},
"discards": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/discards"
},
"voids": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
}
}
}
Pick the desired authentication method
REDIRECT
- Redirect your consumer to the returned
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.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
An instrument of type BANK_ACCOUNT
will be created for Latvian Banks payments.
Request
GET /v1/payment-instruments/{instrument-id}
Response
{
"id": "instr_h2HxFOktp0krsRbrF0tVQ",
"type": "BANK_ACCOUNT"
}
Sandbox testing
Estonian Banks use PPRO's mock authenticator in sandbox. Learn more.
Updated about 3 hours ago