Transfer between bank accounts (A2A)

A2A, or account-to-account payments, are direct electronic transfers of funds from the buyer's bank account to the recipient's account. A2A payments bypass traditional payment systems and are instantly credited to the recipient's account.

Currently, this method is only available with direct integration.

Direct integration

Interaction format:

When creating a payment, send a request with the following parameters:

Parameter	Type	Required	Description
pos_id	UUID	✅	Merchant's identifier (POS_ID)
mode	MODE	✅	direct
method	METHOD	✅	Payment method ( purchase)
amount	Number	✅	Transaction amount. Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
currency	CURRENCY	✅	Transaction currency (ISO_4217)
description	String	✅	Payment description
order_id	String	✅	Unique identifier of order
order_3ds_bypass	String	✅	3-D Secure flow option
payway	String	✅	Optional payway. Use "bank_pay" for processing a2a payments
products	Array[Product]		Array of products to be paid
customer_id	String	✅	Customer identifier in merchant's system
customer_fname	String		Customer first name
customer_lname	String		Customer last name
customer_email	String		Customer email
customer_phone	String		Customer phone
customer_ip	String		Customer IP address
customer_country	String		Customer country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
server_url	URL		Webhook notification will be sent to this URL
result_url	URL		Customer will be redirected to this URL after payment.
merchant_mcc	MCC		MCC for this transaction
payload	String		Field for merchant custom data. Max 4000 symbols.
validation_url	String		Preflight request will be sent to this URL

Request example:

curl --location 'https://cpay.tranzzo.com/api/v1/payment' \
--header 'Content-Type: application/json' \
--header 'X-API-AUTH: CPAY-HMAC-SHA1 $API_KEY:$SIGNATURE' \
--header 'X-API-KEY: $ENDPOINTS_KEY' \
--data '{
   "pos_id": "${POS_ID}",
   "mode": "direct",
   "method": "purchase",
   "amount": 1,
   "currency": "UAH",
   "description": "Order description",
   "order_id": "123",
   "order_3ds_bypass": "always",
   "payway": "bank_pay",
   "server_url": "http://callback-stub:9000/consume",
   "result_url": "https://example.com/result",
   "payload": "sale=true"
}'

Additional Webhook parameters provided by a2a payments:

Parameter	Type	Required	Description
bank_pay.sender_mfo	String	✅	Sender's Bank Identifier Code (BIC)
bank_pay.sender_iban	String	✅	Sender's IBAN
bank_pay.sender_bank	String	✅	Sender's bank name
bank_pay.sender_name	String	✅	Sender's full name
bank_pay.sender_tax_id	String	✅	Sender's tax ID
bank_pay.receiver_iban	String	✅	Receiver's IBAN
bank_pay.description	String	✅	Description of a2a payment

Example:

"bank_pay": {
  "sender_mfo": "test_mfo_456",
  "sender_bank": "Pumb",
  "sender_iban": "UA558771690896444199621297483",
  "sender_name": "John Doe",
  "sender_tax_id": "1234567890",
  "receiver_iban": "UA573220000000026007233566001",
  "description": "Test operation"
}