Bank Tansfer

Applicable to: Bank Transfer

Paybybank is a secure bank transfer payment method provided by YabandPay. It enables customers to complete payments by directly transferring funds from their own bank account to YabandPay’s designated account.

This solution is ideal for merchants seeking low-cost, reliable transactions without relying on card networks. Once the transfer is received, YabandPay automatically verifies the payment and updates the transaction status, ensuring a seamless experience for both merchants and customers.

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Paybybank only accepts payments via the SEPA (Single Euro Payments Area) network. SWIFT payments are not accepted.

API URL：https://mapi.yabandpay.com/Payments

Method：POST

POST data type：Json

Parameter	Type	Description	Required
user	String	the UID of cashier account	Required
sign	String	signature	Required
method	String	v3.BankTransfer	Required
time	Long	timestamp	Required

Parameter

Parameter	Type	Description	Required
pay_method	String	online	Required
sub_pay_method	String	Bank Transfer	Required
order_id	String	order id from Merchant	Required
amount	String	format in cents: € 24.99 should be 24.99, the min amount is EUR 1.00	Required
currency	String	ISO 4217, For example EUR, CHF	Required
description	String	order description	Required
demo	String	custom field	Optional
email	String	Email for Customer	Optional
timeout	String	value 0 means 1440 minutes	Required
redirect_url	String	the redirect URL after payment is completed	Optional
notify_url	String	asynchronous notification url	Required
request_id	String	The request ID must be unique. It is recommended to use a combination of at least 24 digits and letters.	Required

Signature:

Lexicographical sequence and URL key-value format new string

"amount=0.1&currency=EUR&demo=test&description=Test&email=info@yabandmedia.com&method=v3.BankTransfer&notify_url=https://www.yabandpay.com/notify&order_id=12455555788&pay_method=online&redirect_url=https://www.yabandpay.com&request_id=001123456789&sub_pay_method=Bank Transfer&time=1653145918&timeout=0&user=016683"

Use stringA and secret_key to get stringSign

Get Signature：

"911f4fba62b88118db0ca945f2ba8cfc3a8df7bbe4a95bb337b184c6741b873c"

Example Request:

{
    "user": "016683",
    "method": "v3.BankTransfer",
    "time": "1653145918",
    "sign": "911f4fba62b88118db0ca945f2ba8cfc3a8df7bbe4a95bb337b184c6741b873c",
    "data": {
        "request_id": "001123456789",
        "order_id" : "12455555788",
        "pay_method": "online",
        "sub_pay_method": "Bank Transfer",
        "email": "info@yabandmedia.com",
        "description": "Test", 
        "timeout" : "0",
        "amount": "0.1",
        "currency": "EUR",
        "redirect_url": "https://www.yabandpay.com",
        "notify_url" : "https://www.yabandpay.com/notify",
        "demo": "test"
    }
}

Example Response:

{
    "status": true,
    "code": "200",
    "data": {
        "order_id": "12455555788",
        "trade_id": "d3a81009-2b3c-9f2c-8e33-45dc932ee757",
        "amount": "0.10",
        "currency": "EUR",
        "url": "https://pay.yabandpay.com/prod/bank_transfer/ZDNhODEwMDktMmIzYy05ZjJjLThlMzMtNDVkYzkzMmVlNzU3",
        "state": "processing"
    },
    "message": "",
    "response_id": "202505131817352897785689"
}

More Information:

Return results:

On a successful API call, the response will be "status": true.
On a failed API call, the response will be "status": false.

We strongly recommend using Asynchronous Notification to synchronize and update payment status.

Result/Error codes:

Status	Code	Message
true	200	Success
fales	-1000	Internal error
fales	-3001	Required field is missing
fales	-403	The signature Error
fales	-4011	Not support the payment method

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