Unzer Bank Transfer

Learn more about Unzer Bank Transfer and payment workflow.

Unzer Bank Transfer lets you accept a direct transfer from the customer’s bank account which follows the same flow as for example, EPS or Sofort. When the customer uses Unzer Bank Transfer for payment, they are redirected to the Unzer Bank Transfer web page. The customer will log in with their bank details for authentication. After a successful login, Unzer Bank Transfer initiates a payment transaction with the customer’s bank account.

The customer needs to provide their bank account login credentials and authorize the transfer through their one-time password (OTP) device, usually through a transaction authentication number (TAN) received in a text message.

Advantages

• Payment security: The customer authenticates on their bank site, so there is no confidential data shared between the merchant and the customer.
• Increased customer confidence: The customer does not need to go to any unknown portal to make the payment, and hence the possibility for a successful transaction is higher.
• Supported by many banks in Germany and Austria

Payment workflow

The following diagram explains workflow for Unzer Bank Transfer payments.

Step 1: Create an UnzerBankTransfer payment type resource.

A resource ID is generated in the response and is used in the workflow to complete the payment.

Step 2: Make a charge transaction with the UnzerBankTransfer resource that you created.

Step 3: Forward the customer to the redirectUrl that is displayed in the charge response.

Step 4: Once the customer makes the payment on their bank portal, redirect the customer to the returnURL specified in the initial charge call.

Step 5: After the transaction, display the result to the customer in the front end of the online shop.

Integration options