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Pay by Bank

Deutsche Bank's Pay by Bank is a service for businesses that allows them to send digital payment requests to customers via their online banking or a dedicated app. Customers can then authorize the payment, which is processed as a SEPA Instant Credit Transfer or a regular SEPA Credit Transfer, making it an irrevocable, fast, and cost-effective option compared to credit cards. It functions as a message format that initiates a bank transfer, pre-filled with payment details to simplify reconciliation for the business.

NetworksFeaturesIntegrationspayment_type
SEPA banks
  • Server-to-Server
  • Checkout Page
  • Pay by Link
  • Payment Page Redirect
pbb

Payment workflow​

The following diagram explains the Pay by Bank payment workflow for the Payment Page Redirect integration.

Pay by Bank — Payment Page Redirect
Payer (Consumer)
Merchant (Acceptor)
OneAPI
1. Starts checkout (selects Pay by Bank)
2. Create Pay by Bank payment (Payment API)
3. Returns redirect instructions
4. Redirect to Pay by Bank
5. Selects bank and authorises payment
6. Displays payment result
Payment processing occurs asynchronously
7. Postback notification (payment status update)
8. Shows final order confirmation

Scroll horizontally if the diagram is wider than your screen.

  1. 1
    Payer (Consumer)Merchant (Acceptor)

    1. Starts checkout (selects Pay by Bank)

  2. 2
    Merchant (Acceptor)OneAPI

    2. Create Pay by Bank payment (Payment API)

  3. 3
    OneAPIMerchant (Acceptor)

    3. Returns redirect instructions

  4. 4
    Merchant (Acceptor)Payer (Consumer)

    4. Redirect to Pay by Bank

  5. 5
    Payer (Consumer)OneAPI

    5. Selects bank and authorises payment

  6. 6
    OneAPIPayer (Consumer)

    6. Displays payment result

  7. OneAPI

    Payment processing occurs asynchronously

  8. 7
    OneAPIMerchant (Acceptor)

    7. Postback notification (payment status update)

  9. 8
    Merchant (Acceptor)Payer (Consumer)

    8. Shows final order confirmation

Integration options​

Choose how you want to accept Pay by Bank:

Payment Page Redirect

Create a payment via the Payment API and redirect the customer to the Pay by Bank experience to select their bank and authorise.
Start integrating

Checkout Page

Create a checkout session and redirect customers to the hosted checkout. Pay by Bank is available among the configured payment methods.
Start integrating

Pay by Link

Share a Pay by Link with your customer. When enabled on the channel, they can pay with Pay by Bank on the checkout.
Start integrating
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