Cashier

To improve the consumer’s user experience, the Merchant can allow them to select the previously used account, or to add a new account, before being redirected to Instant Bank Transfer for payment. For information about customizing the cashier, see Using a previously registered bank account.

Transaction Flows

View the consumer experience prototypes below to see examples of properly configured merchant transaction screens.

Payins

First-Time Consumer Payin

For more information, see First-time payin.

Returning Consumer Payin

Payouts

First-Time Consumer Payout

For more information, see Payout with token.

Returning Consumer Payout

Receipts

When a consumer’s payin or payout is successful, the merchant should:

1. Present a receipt that includes:
   • Confirmation that the transaction was successful
   • The deposit method used
   • A timestamp of the transaction
2. Update the consumer’s account balance.

To reduce incidences of insufficient funds (NSF), consumers should be advised on the receipt page that funds may take 2-3 days to leave their bank account and that they must keep sufficient funds in their account until the transaction clears.

Error Messaging

If the consumer’s payment was not successful, the error code is included in the payment notification. Merchants are responsible for displaying appropriate messaging to their consumers and advising them how to proceed.

For more information, see Consumer error messaging.