Use cases

Supported use cases			Supported interface via Token.io			Supported interface via Tink
Use case	Description	Simple process	S-2-S	Form-based	HPP	S-2-S	Form-based	HPP
Authorization + Capture	Merchant wants to authorize payment and capture on delivery	not supported use "Sale" instead to authorize and capture a payment within one step
Sale (one-shot)	Merchant wants to collect money from customer via OpenBanking	Merchant's shop initiates Instant payment request and receives URL to Open Banking Operator Merchant redirects customer to Open Banking Operator URL Customer enters bank account data (IBAN) and his/her name (account holder name) and confirms payment Merchant's shop gets a notification about successful payment
full or partial Credit	Merchant wants to credit some money back to customer after a payment has been successfully completed	supported via Tink	coming soon
full or partial Reversal	Merchant wants to cancel a payment which has not been completed	not supported

Process flow chart via Token.io

Instant Payment process flow

Process flow charts via Tink

Usecase 1

When customer gives the consent for the upcoming transactions on this merchant for having further transactions without SCA process.

Instant Payment process flow

Usecase 2

When customer doesn't give the consent for the upcoming transactions on this merchant for having further transactions without SCA process.

Instant Payment process flow

Usecase 3

When consent is obtained as described in Usecase 1, and the same customer makes another transaction with the same merchant within 90 days, the merchant can send a request as outlined below to avoid challenging the customer.

Instant Payment process flow

interface

Calling the Instant Banking interface via Token.io

To process a payment with online transfer with Instant Payment, please use the following URL:

Parameters for online transfers with Instant Payment

Return parameters for URLSuccess, URLFailure and URLNotify with Instant Payment

Calling the Instant Banking interface via Tink

Creating Payment Request with Refund Option

To process a payment with online transfer with Instant Payment, please use the following URL:

Parameters for online transfers with Instant Payment 

Return parameters for URLSuccess, URLFailure and URLNotify with Instant Payment

Credit with reference

Credits (refunds) are possible via a Server-to-Server connection. The  permits only credits for Instant Payment that reference a previously made transaction via . The amount of the credit is limited to the amount of the sale transaction. 

To carry out a credit with a reference transaction, please use the following URL:

Parameters for credits of Instant payments via Tink

Result parameters for credits of Instant payments via Tink

Setup with OpenBanking-provider Tink

As does not have access to your Tink setup you need to send us the information required for setup in .

You will have access to your Tink-Console after signing the contract.

Please login into your Tink Console (https://console.tink.com/login) then set up your account as described in https://docs.tink.com/resources/console/set-up-your-tink-account send the information to – in clear text, not as a screenshot:

• client_id: this is the unique ID for your app. This key is public and is instantly available once you create an app.
• client_secret: this is a secret key for your app. This key authenticates your app with the Tink API.

Setup with OpenBanking-provider Token.io

As does not have access to your Token.io setup you need to send us the information required for setup in .

You will have access to your Token.io-Dashboard after signing the contract.

Please login into your Token.io dashboard (https://dashboard.token.io/) and send the information to – in clear text, not as a screenshot:

• Company name → as defined in Account Settings -> Company Information
• MemberId, Alias, Token Public Key → taken from Settings -> Member Information
• API Key → taken from Settings -> Authentication Keys
• List of your merchant bank accounts (beneficiaries) → taken from Settings -> Beneficiary

A sample mail to could look like:

My Token.io setup Category Kategorie Value Wert Comment Kommentar Account Setting Kontoeinstellung Company Name Firmenname John Doe Limited Max Mustermann GmbH Member Information Member Information Member ID Member ID m:YCkxxxxxxxxxxxxxxxxxxxxxxxv:5zKtXEAq m:YCkxxxxxxxxxxxxxxxxxxxxxxxv:5zKtXEAq Alias Alias {"type":"DOMAIN","value":"xxxxxxxxxxxxx"} {"type":"DOMAIN","value":"xxxxxxxxxxxxx"} Public Token Key Public Token Key iYCC0wJXDO0Q-Bqqyi49mD_z-_IWqfmlP_jwGWWNKds iYCC0wJXDO0Q-Bqqyi49mD_z-_IWqfmlP_jwGWWNKds Should always be this value; Pls. let us know if it's a different one. Es sollte immer dieser Wert sein; wenn nicht, teilen Sie uns diesen bitte mit. Authentication Keys Authentifizierungsschlüssel API Key API Key bS1xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxzJm bS1xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxzJm Beneficiary Information Informationen zum Begünstigten Beneficiary Begünstigter Account Name Country Currency IBAN / Account Number BIC / Sort Code DE01 Germany EUR Your IBAN used as standard Your BIC used as standard DE02 Germany EUR Optional: Another IBAN which could be selected via -parameter "Account" BIC for this IBAN UK01 United Kingdom GBP Optional: Your Account Number for UK / FasterPayments Your Sort Code for UK / FasterPayments Kontoname Land Währung IBAN / Kontonummer BIC / Bankleitzahl DE01 Deutschland EUR Die IBAN, welche standardmäßig verwendet werden soll Die BIC, welche standardmäßig verwendet werden soll DE02 Deutschland EUR Optional: Eine weitere IBAN, welche mit dem  -Parameter "Account" selektiert werden kann BIC für diese IBAN UK01 Vereinigtes Königreich GBP Optional: Ihre Kontonummer für UK / FasterPayments Ihr Sort Code für UK / FasterPayments

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like

How to customize your payment / Token.io-account

After signing your contract with the Open Bank Operator (Token.io) you will get access to their dashboard.

• Production-URL: https://dashboard.token.io/

There you can set up:

• your user details and company information (e.g. Company name, Billing details, ...)

Settings → Configuration

General

Here the "Display Name" can be changed. This is the recipient shown to the consumer ("To" / "Empfänger"):

Webhook

Webhook must be set to technical URL: /OpenBankingComplete.aspx

Web App Bank Selection

It's possible to limit bank selection for your consumers. It's recommended to allow "Enable all banks". The consumer can then select any supported bank.

CSS (styling of Token.io Web App (shown to your customer)

It's possible to upload your own merchant logo and customize CSS styling of Web App (shown to consumer):

After you've uploaded your merchant logo and customized your CSS styles the new WebApp-layout can be tested via Payload Builder:

After doing CSS modification a test payment can be initiated to check design:

• API Key and MemberID are automatically set by Payload Builder
• (4) Description must be unique for each payment
• (5) Amount must be used with decimal point
• (6) Currency must be EUR
• (7) IBAN is merchant's IBAN, i.e.: any of your benificiary IBAN
• (8) merchant's BIC is optional → leave empty
• (9) for testing use any Url, e.g. https://www.google.com
• (10) click on "Generate"

Then click on Test (1)

A new tab/window will open with new design:

Settings → Authentication Keys

Please generate an API Key for your configuration and send it to :

We also need your MemberID and other information which is shown in next section.

Settings → Member Information

The information shown here is also needed for setup in :

Settings → Beneficiary

Your merchant account may have multiple bank accounts configured. Each bank account can have an account name (assigned by you) and is defined

• either with IBAN/BIC (SEPA based)
• or with Account Number / Sort Code (FasterPayments / UK)

A sample setup may look like this:

Testing in Sandbox-mode

As long as your OpenBanking Setup is not setup in Production Mode you can test it in Sandbox Mode.

Therefore please use test data shown here: Test Instant Payment.