Instant Bank Transfer (IBT) - Nuvei Documentation (2024)

Instant Bank Transfer (IBT) is an in-flow identity verification check for deposits and withdrawals. Built for sports betting and iGaming operators in Canada, IBT is an electronic funds transfer (EFT) solution that provides a safe and simple way to accept bank account‑based payments supported by state‑of‑the‑art risk management.

• Canada

• CAD

A payment is performed using the REST API /paymentrequest.

• Payment (without UPO)
  The first time a customer uses a particular bank account to perform a payment transaction, Nuvei stores their bank account details in an encrypted UPO (User Payment Option) record in the Nuvei system, for use in future transactions.
• Payment (with UPO)
  For subsequent payment transactions, Nuvei offers the user the option of selecting one of these UPOs instead of capturing their bank account details again.

Prerequisites and Notes

• This document assumes that you have completed all the account setup prerequisites, and are ready to integrate IBT into your payment flow.
• IBT only supports Canada-based IPs; IP addresses outside Canada do not work.
• Transactions are conducted in CAD.
• Nuvei’s “redirection mode” is used for the following IBT actions:
  • EFT payment (deposit) transactions.
  • Registering a new account during the IBT payout (withdrawal) process.

Payment (without UPO)

1. Generate a sessionToken

Press here for details.

2. Send a /paymentRequest

Perform the payment by sending a /paymentrequest with its mandatory parameters including:

• userTokenId
• amount
• currency
• paymentOption.alternativePaymentMethod block containing:
  • paymentMethod: “apmgw_Instant_Bank_Transfer“
• deviceDetails block containing: ipAddress
• billingAddress block containing:firstName, lastName, address, city, state, zip,country, phone
• userDetails block containing:firstName, lastName, address, city, state, zip,country, phone

Example /payment without UPO Request

{ "sessionToken": "<sessionToken from /getSessionToken>", "merchantId": "<your merchantId>", "merchantSiteId": "<your merchantSiteId>", "userTokenId": "<unique customer identifier in merchant system>", "clientRequestId": "<unique request ID in merchant system>", "clientUniqueId": "<unique transaction ID in merchant system>", "currency": "CAD", "amount": "100", "paymentOption": { "alternativePaymentMethod": { "paymentMethod": "apmgw_Instant_Bank_Transfer" } }, "deviceDetails":{ "ipAddress":"<customer's IP address>" }, "billingAddress":{"firstName":"John","lastName":"Smith","email":"[emailprotected]", "phone":"16139575555","address":"24 Sussex Drive","city":"Ottawa","zip":"K1M 1M4","state":"ON","country":"CA", }, "userDetails":{ "firstName":"John", "lastName":"Smith", "email":"[emailprotected]", "phone":"16139575555", "address":"24 Sussex Drive", "city":"Ottawa", "zip":"K1M 1M4", "state":"ON", "country":"CA", }, "timeStamp": "<YYYYMMDDHHmmss>", "checksum": "<calculated checksum>"}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions.

Example /payment without UPO Response

{ "orderId":"38503331", "userTokenId":"Siltoken545989", "paymentOption":{ "redirectUrl":"https://ibt-mint.pay-direct.ca/verification?code=6cac9e0d-616f-4e0b-9da4-661e36d73b35", "userPaymentOptionId":"8399641", }, "transactionStatus":"REDIRECT", "sessionToken":"4c05abf8-3bf4-4465-85bc-f169d30899b5", "clientUniqueId":"uniqueIdCC", "internalRequestId":23608581, "status":"SUCCESS", "errCode":0, "reason":"", "merchantId":"4972436454212160565", "merchantSiteId":"209631", "version":"1.0", "clientRequestId":"20221221111018"}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payment request (see Example Payment DMNs).

Payment (with UPO)

1. Generate a sessionToken

Press here for details.

2. Send a /paymentRequest

Perform the payment by sending a /paymentrequest with its mandatory parameters including:

• userPaymentOptionId
• amount
• deviceDetails block containing: ipAddress

Example /payment with UPO Request

{ "sessionToken": "<sessionToken from /getSessionToken>", "merchantId": "<your merchantId>", "merchantSiteId": "<your merchantSiteId>", "userTokenId": "<unique customer identifier in merchant system>", "clientRequestId": "<unique request ID in merchant system>", "clientUniqueId": "<unique transaction ID in merchant system>", "currency": "CAD", "amount": "100", "paymentOption": { "userPaymentOptionId": "<UPO received from previous deposit>" }, "deviceDetails":{ "ipAddress":"<customer's IP address>" }, "timeStamp": "<YYYYMMDDHHmmss>", "checksum": "<calculated checksum>"}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page.

Example /payment with UPO Response

{ "reason": "", "orderId": "36298951", "transactionStatus": "REDIRECT", "clientRequestId": "2VXORP7A1", "internalRequestId": 17817211, "version": "1.0", "merchantSiteId": "126006", "merchantId": "2502136204546424962", "clientUniqueId": "695701003", "errCode": 0, "paymentOption": { "redirectUrl": "https://cdn-int.safecharge.com/safecharge_resources/v1/get_to_post/index.html?eyJhbGciOiJSUzI1NiJ9.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.oJcwsoVB8wQXXNGi71Diqb3Lhm_6Vj3b5elO9w2ya67iG6IXP0jcFRWssBldiFvqlszE0t0GyEjgllvoZqXejt7GqcGmpUrGuJjrJL7T6yvnv15ApKSSNOKC_O2Q2yxU5l1IxHpY7vWkl3__oDJ0zMEjCyK4czW_B63-ZaGplfI0o0Mn3Aw1Vzoxn17UBjS7i4zRDm448wq2tnIfm9WBvFbR79Qdh6lJwUWI_xdwik8L3oR67MEC35w8SV9XCMjwX_WqOvaqk_mq1WXOxM0X1ooAmw6Tmd3jMM37od583ReT3GlbfDtU6NlBDAgrxEjwr807HGnQXSlKSMsxJoWnhw", "userPaymentOptionId": "8061731", "card": {} }, "sessionToken": "1be68338-e45e-4c81-b617-e1bfb94cae3e", "userTokenId": "2J6QZH3UF9E2", "status": "SUCCESS"}

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payment request (see Example Payment DMNs).

When processing a payout request, the account capture feature enables the merchant to redirect the user to their bank’s payment page where they enter their account details.

The following flow describes how the customer’s account details must first be captured before processing the payout request:

1. Generate a sessionToken.Press here for details.
2. Send an /accountCapture request with itsmandatory parameters including:
   • userTokenId – Unique customer identifier in merchant system.
   • paymentMethod: “apmgw_Instant_Bank_Transfer“
   • currencyCode: CAD
   • countryCode: CA
   • userDetails block containing:firstName, lastName, address, city, state, zip,country, phone
   • deviceDetailsblock containing:ipAddress
     

     Example /accountCapture Request

     { "sessionToken":"<sessionToken from /getSessionToken>", "merchantId":"<your merchantId>", "merchantSiteId":"<your merchantSiteId>", "paymentMethod":"apmgw_Instant_Bank_Transfer", "userTokenId":"<unique customer identifier in merchant system>", "currencyCode":"CAD", "countryCode":"CA", "amount":"200", "userDetails":{ "firstName":"John", "lastName":"Smith", "address":"24 Sussex Drive", "phone":"16139575555", "zip":"K1M 1M4", "city":"Ottawa", "state":"ON", "email":"[emailprotected]", "country":"CA" }, "deviceDetails":{ "ipAddress":"<customer's IP address>" },}

     The request returns a redirectUrl.

     Example /accountCapture Response

     { "redirectUrl":"https://fl-mint.pay-direct.ca/loadUser?code=1fe32df7-7d49-4f27-823e-7b4f7acfc153&merchant-return-url=https%3A%2F%2Fjumpbox.safecharge.com%2Fdmz%2FApmConnector%2FbankCapture%2FAC0CC72D6776ED9138EB6C0B6E54303B", "userTokenId":"Siltoken69", "sessionToken":"40ea5008-16be-49c3-a05a-78e5cc3ce041", "internalRequestId":23984041, "status":"SUCCESS", "errCode":0, "reason":"", "merchantId":"4972436454212160565", "merchantSiteId":"209631", "version":"1.0"}

3. Use the redirectUrl to redirect the customer to the Merchant’s page, where the customer logs in to their bank account and confirms the payout request.
   Once the bank account information is captured, Nuvei generates and returns an encrypted userPaymentOptionId (UPO) representing the user’s APM account details. ADMN is sent with the userPaymentOptionId, which is used to proceed with the payout.

   Example/accountCapture DMN

   ...'ppp_status=OK&ExErrCode=&ErrCode=&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=&PPP_TransactionID=&userid=139790461&merchant_unique_id=&customData=&productId=&first_name=&last_name=&email=&currency=CAD&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=CA&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=&total_handling=&total_shipping=&total_tax=&buyButtonProductBundleId=&merchant_site_id=209631&merchant_status=&action=&requestVersion=&message=&merchantLocale=&unknownParameters=&payment_method=apmgw_Instant_Bank_Transfer&ID=&merchant_id=4972436454212160565&responseTimeStamp=2023-02-06.16%3A28%3A12&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=&externalEmail=&cardCompany=&eci=&user_token_id=siltokenhahhajjhhh13&userPaymentOptionId=2152803291&TransactionID=&totalAmount=&dynamicDescriptor=&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&type=ACCOUNT_CAPTURE&clientRequestId=&relatedTransactionId=&responsechecksum=df70110354d570e87daf70291a6d874c&advanceResponseChecksum=6a26bc6c966d9b5361a94ad818da7b9b',

A payout is performed using the REST API /payout request, which requires using a UPO.

UPOs can be generated in the following ways:

• A UPO is automatically created upon successful completion of a /payment request, as described in Payment (Deposit) Flow.
• A UPO is created once a user confirms an /accountCapture request, as described in Account Capture.

Once you have the UPO from either of these options, send a /payout request and include the userPaymentOptionId, which contains the user’s previously stored APM account details. Press here for an example.

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.

Example/payout DMN with status=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=38706451&userid=ScMigrationTest3&merchant_unique_id=12345&customData=QA+test+merchant&productId=test_name_1&first_name=John&last_name=Doe&[emailprotected]&currency=CAD&customField1=meccabingo.com&customField2=a2db82db-8186-44bb-a6d9-cb9f8f7ea25e&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=rnk_pr01&invoice_id=&address1=Test+Address&address2=&country=Canada&state=ONTARIO&city=Ontario&zip=M6T+1J1&phone1=%2B14161238888&phone2=&phone3=&client_ip=192.206.151.131&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Paramount+Direct&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=209631&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_Instant_Bank_Transfer&ID=&merchant_id=123456789&responseTimeStamp=2023-02-14.08%3A49%3A31&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=Siltoken&user_token=auto&userPaymentOptionId=2152807311&TransactionID=2110000000008617162&externalTransactionId=OVVRDYZH2VCS3C4CZJTCHO5Y74E5HU&APMReferenceID=F3C37FF9BD57D340F81D23A41053957B&orderTransactionId=19382671&totalAmount=10.00&dynamicDescriptor=NuveiDescriptor&item_name_1=test_name_1&item_number_1=&item_amount_1=10.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230214&type=DEPOSIT&clientRequestId=&relatedTransactionId=&sessionId=f1980c09a347815b5c3dd6c675ed&responsechecksum=42111be8df56ebd2bb11a40157820894&advanceResponseChecksum=d2c15bc9edfebc4ffe6a1e7ddd8ebc94',

First-TimePayment

1. The user is redirected to “PayDirect” page and:
   1. Selects their bank.
   2. Logs into their bank.
   3. Selects their account.
   4. Confirms the deposit.
2. A confirmation is displayed.

Returning User

Once a user has performed a payment and their UPO has been saved, the user does not need to log in to their bank again to complete a payment.

Representment Process

After a successful “deposit” (payment) request is submitted, it is still possible for Paramount to return a notification containing these errors: 901 (insufficient funds) or 908 (uncollected funds) when Paramount attempts to charge the customer’s account. If so, Paramount does not decline the deposit at that point, but instead attempts to collect the funds (“representment”) one additional time.

• If a representment is successful, then no further notifications are sent.
• Upon the first unsuccessful attempt, the merchant receives a DMN with status=UPDATEand a representmentInformation parameter (see Example DMN with status: UPDATE).
• The DMN also includes the nextActionDate parameter that contains the date scheduled for the next attempt to charge (debit) the customer’s bank account. The date when the payment is represented is the following week from the financial institution’s return date. This means that for any returns received on Monday–Friday (banks do not send any returns on the weekends), the represent is scheduled for the following Friday.
• If this second attempt fails, a final notification is sent that the deposit was declined.

Example Payment DMNs

Example DMN with status: APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=38503331&userid=Siltoken545989&merchant_unique_id=uniqueIdCC&customData=customData&productId=&first_name=John&last_name=Doe&[emailprotected]&currency=CAD&clientUniqueId=uniqueIdCC&customField1=merchantName&customField2=merchantName&customField3=merchantName&customField4=merchantName&customField5=&customField6=&customField7=&customField8=&customField9=merchantName&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=65+Overlea+Blvd+%23230&address2=&country=Canada&state=ONTARIO&city=Toronto&zip=M6T+1J1&phone1=%2B14161238888&phone2=&phone3=&client_ip=192.206.151.131&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Paramount+Direct&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=CA&shippingState=ONTARIO&shippingCity=Toronto&shippingAddress=65+Overlea+Blvd+%23230&shippingZip=M6T+1J1&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=2.00&total_handling=0.00&total_shipping=1.00&total_tax=1.00&buyButtonProductBundleId=&merchant_site_id=209631&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Instant_Bank_Transfer&ID=&merchant_id=123456789&responseTimeStamp=2022-12-21.09%3A13%3A43&buyButtonProductId=&webMasterId=webMasterId&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=Siltoken545989&userPaymentOptionId=8399641&TransactionID=2110000000008090959&externalTransactionId=O43ZVXLATNEANP6TVLO3BSTDFYRMxb&APMReferenceID=5FA51E308E092FD2968DB4E6FDE25668&orderTransactionId=19253611&totalAmount=100.00&dynamicDescriptor=NuveiDescriptor&item_name_1=watch&item_number_1=&item_amount_1=50.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&item_name_2=color&item_number_2=&item_amount_2=50.00&item_quantity_2=1&item_discount_2=0.00&item_handling_2=0.00&item_shipping_2=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20221221&type=DEPOSIT&clientRequestId=20221221111018&relatedTransactionId=&sessionId=3f2a30e81ffcdbf915e51ea77410&responsechecksum=1842674366bf0a4854a1ce59beebe900&advanceResponseChecksum=0a680747154408efc96ff2d894649553',

Example DMN with status: UPDATE

...'ppp_status=OK&Status=UPDATE&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=38574641&userid=ScMigrationTest3&merchant_unique_id=12345&customData=QA+test+merchant&productId=test_name_1&first_name=John&last_name=Doe&[emailprotected]&currency=CAD&customField1=meccabingo.com&customField2=a2db82db-8186-44bb-a6d9-cb9f8f7ea25e&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=rnk_pr01&invoice_id=&address1=Test+Address&address2=&country=Canada&state=ONTARIO&city=Ontario&zip=K8N+1W0&phone1=%2B14161238888&phone2=&phone3=&client_ip=192.206.151.131&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Paramount+Direct&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=209631&merchant_status=&action=&requestVersion=&message=UPDATE&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_Instant_Bank_Transfer&ID=&merchant_id=123456789&responseTimeStamp=2023-01-12.15%3A20%3A43&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=Siltoken055570&user_token=auto&userPaymentOptionId=8409271&TransactionID=2110000000008284927&APMReferenceID=7D5B481B04BAADE2117128DAAF5837C6&orderTransactionId=19299601&totalAmount=20.00&dynamicDescriptor=NuveiDescriptor&item_name_1=test_name_1&item_number_1=&item_amount_1=20.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230112&type=DEPOSIT&clientRequestId=&relatedTransactionId=&representmentInformation=RETURNED_WITH_REPRESENTMENT%2C+nextActionDate%3D2023-01-13&sessionId=658d7ba658128ea0112b80102d93&responsechecksum=b3242d7e830e3a96e2c0d589e62f7df5&advanceResponseChecksum=b8063972c99b272553e4b0984',