The Journal
Open Banking (Account-to-Account)
Let customers pay into an account straight from their own bank.
Depa's open banking integration lets your customers pay into an account straight from their own bank, without typing in card details or bank details.
1. Initiating an Open Banking Payment
Create the payment on the bank account that receives the funds, with the payer's name and email and where to send them afterwards:
Request
curl -X POST https://sandbox.depasify.com/api/v1/accounts/8f3a2c1e-5b7d-4e9a-9c21-7d4b6e0f1a23/bank_accounts/6d1c9e2a-3f4b-4c8d-a7e6-5b2f0e9d1c47/open_banking_transaction \
-H "Authorization: Bearer <your_jwt_token>" \
-H "Content-Type: application/json" \
-d '{
"amount": 450.00,
"recipient": "Jane Doe",
"email": "jane.doe@example.com",
"description": "INV-0142",
"redirect_url": "https://yourplatform.com/checkout/complete"
}'description is the payment reference and can be up to 10 characters.
Response
{
"data": {
"id": "45443fe3-2cef-4ff1-aac2-c0b2bd68a593",
"amount": "450.0",
"currency": "EUR",
"recipient": "Jane Doe",
"description": "INV-0142",
"status": "pending",
"url": "https://pay.example-provider.com/s/45443fe3",
"redirect_url": "https://yourplatform.com/checkout/complete",
"created_at": 1742210159
}
}2. Customer Consent & Settlement
- Send the payer to
url, where they choose their bank. - They authorise the payment in their bank, with Strong Customer Authentication.
- They're redirected to your
redirect_url. - The transaction moves from
pendingtocompleted(orfailedorcancelled), and the incoming funds are credited to the account.