How does it work?

1. Call POST /v2/moneyins/paybybank/transfer/init to receive:

   • A redirect URL
   • The transaction ID

2. Redirect the end user to the bank-selection page, where they can select their bank from the displayed list.

   Note: If you include the bankId in the request body, the end user is redirected directly to their bank.

   To retrieve the available bank IDs, call:

   GET /v2/moneyins/paybybank/transfer/banks

3. After selecting their bank, the end user is redirected to the bank's website or application to enter their credentials.

   Note: If the bankId was included in the initial request, the end user does not need to select their bank and can proceed directly to authentication.

4. The end user completes Strong Customer Authentication (SCA) to confirm their identity.

   Authentication methods may include:

   • Facial recognition
   • Fingerprint recognition
   • Confirmation through the bank's mobile application
   • A one-time password

   Depending on the bank, SCA may be requested before or after the end user enters their credentials.

5. Once authenticated, the end user reviews and confirms the payment details, including the amount and payment reference, on the bank's website or application.

6. After the payment is submitted, the end user is redirected to one of the following URLs:

   • returnUrl if the payment is successfully submitted
   • cancelUrl if the end user cancels the payment
   • errorUrl if an error occurs

Important: The returnUrl, cancelUrl, and errorUrl must be publicly accessible to both the end user's browser and Lemonway's WebKit servers.