Introduction

Bank Transfers is a widely used alternative payment method globally that offers a convenient way for customers to pay for goods and services. Integrating Bank Transfers with Payrails allows you to provide a fast, easy-to-use payment option for your customers while leveraging our platform to route the payment to any Payment Service Provider (PSP). This guide will explain the process of integrating Bank Transfers into your app or website using Payrails.

Pre-requisites

Before you start accepting Bank Transfers payments with Payrails, there are a few requirements you must meet:

1. Integrate with Payrails using one of our SDKs or our API
2. Configure a new integration account for Bank Transfers via one of the following Payment Service Providers:
   dLocal, and coming soon (Flutterwave)
3. Enable Bank Transfers as a payment option.
4. Make sure you're sending the Bank Transfers specific meta fields (found under Merchant configurations -> Meta fields on your Payrails dashboard and in the examples below) in your requests.

Ways to integrate Bank Transfers

Payrails SDK

The simplest way to use Bank Transfers with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional development work is required to accept payments with Bank Transfers.

Server-to-server integration

The simplest way to use Bank Transfers is by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process payments with Bank Transfers. With this approach, follow the documentation below to build Bank Transfers into your applications:

Parse Bank Transfers from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options and relevant configurations for each payment method. As the example below, you can see bankTransfer returned as an option of the paymentCompositionOptions. You can use this value later to authorize payments with Payrails as you can see in the next sections.

{
    "name": "lookup",
    "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
    "executedAt": "2024-05-08T12:33:21.527395295Z",
    "data": {
        "paymentCompositionOptions": [
            {
                "integrationType": "api",
                "paymentMethodCode": "bankTransfer",
                "description": "BankTransfer"
            }
        ]
    },
    "links": {
        "execution": "http://payrails-api.staging.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
        "authorize": {
            "method": "POST",
            "href": "http://payrails-api.staging.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
        }
    }
}

Pass Bank Transfers payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with bankTransfer as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "1000",
    "currency": "NGN"
  },
  "paymentComposition": [{
    "integrationType": "api",
    "paymentMethodCode": "bankTransfer",
    "amount": {
      "value": "1000",
      "currency": "NGN"
    }
  }],
  "meta": {
    "order": {
      "lines": [{
        "id": "UUID",
        "name": "Order Name",
        "quantity": 1,
        "unitPrice": {
          "currency": "NGN",
          "value": "1000"
        }
      }]
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Supported regions / countries

Supported workflows and services