MyBank is the pan-European solution designed by EBA Clearing for domestic and cross-border e-commerce payments. It enables consumers to pay for their online purchases in an easy and safe way using real-time bank transfers. Learn more about MyBank.

Payment method properties


Markets (consumer)	`BE` `ES` `FR` `IT` `PT`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Authentication methods	`REDIRECT`
Authentication timeout	30 mins
Minimum payment amount	0.01 EUR
Maximum payment amount	999,999,999.99 EUR
Payment instrument	`BANK_ACCOUNT`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	365 days
Disputes	No
Settlement risk	No

Make a MyBank payment

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

To create a MyBank payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`MYBANK`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`EUR`
`consumer.country`	The country of residence of the consumer.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.

Request

POST /v1/payment-charges

{
  "paymentMethod": "MYBANK",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "BE"
  },
  "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": "MYBANK",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "EUR",
  "country": "BE",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "BE"
  },
  "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 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

An instrument of type BANK_ACCOUNT will be created for MyBank payments.

Request

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

Response

{
  "id": "instr_Asu0ig2PXXZSiNrhY44A5",
  "type": "BANK_ACCOUNT"
}

Payment method properties

Make a MyBank payment

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing