Bank Transfer

Initiate a Transfer – Iframe

While making a request to Pelecard’s gateway (https://gateway21.pelecard.biz/PaymentGW/init) to create a payment page, add the following JSON object to enable Bank Transfer:

				
					"OpenFinance": {
  "Enable": "True",
  "Initiate": "True",
  "TabButtonText": "" // Text that will appear in Bank transfer’s Tab on Iframe.
  “TabButtonAlt”: “” // Alternative Text, for Accessibility purposes.
}

Note that the “ParamX” parameter will be transmitted as the Bank Transfer’s description. If not sent, a default “העברה בנקאית” (=Bank Transfer) will be sent.

After processing the request (opening the Iframe -> making a bank transfer request and completing the procedure), you will be redirected to your chosen Landing page, GoodURL or ErrorURL (GET by default) with StatusCode=655 for failure & StatusCode=000 for success.

Transfer Response - Payment Statuses

For receiving full response with all parameters, a GetTransaction request is required.

Take the TransactionID after the /PaymentGW/init phase and make a POST request.

URL: https://gateway21.pelecard.biz/PaymentGW/GetTransaction

JSON:1

				
					{
  "terminal": "",
  "user": "",
  "password": "",
  "TransactionId": ""
}

In the response, you will have "OpenFinanceData": { object with given parameters:

				
					{
  "OpenFinanceData": {
    "BankTransferStatus": "",     // Status of transaction
    "BankTransferDescription": "", // A description of the status
    "BankTransferID": ""          // Unique transaction ID of transfer
  }
}

Table of Payment Statuses is below ↓

Status	Description
ACCC	Settlement on the creditor’s account has been completed. הסתיימה ההעברה בהצלחה ושינויים לא אפשריים (הכסף יעבור לפי הבנק)
ACSC	Settlement on the debtor’s account has been completed. Usage: this can be used by the first agent to report to the debtor that the transaction has been completed. Warning: this status is provided for transaction status reasons, not for financial information. It can only be used after bilateral agreement. הסתיימה ההעברה בהצלחה והכסף יצא מחשבון המעביר (הכסף יעבור לפי הבנק)
ACSP	All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution. פעולת הייזום בוצעה בהצלחה טכנית
ACTC	Authentication and syntactical and semantical validation are successful. פעולת הייזום בוצעה בהצלחה טכנית
ACWC	Instruction is accepted but a change will be made, such as date or remittance not sent. אושרה ההעברה טכנית אך עלולה לכלול שינויים
RCVD	Payment initiation has been received by the receiving agent. הוקמה הפעולה לתשלום בבנק – סטטוס ביניים
RJCT	Payment initiation or individual transaction included in the payment initiation has been rejected. Possible reasons: lack of coverage, transaction expired, or bank rejected. התשלום נדחה בבנק. אפשריות: דחה את ההעברה עקב חוסר כיסוי/פג תוקף ההעברה/הבנק דחה את ההעברה/הלקוח דחה את ההעברה
PATC	The payment initiation needs multiple authentications, where some but not yet all have been performed. Syntactical and semantical validations are successful. הסטטוס מהווה אינדיקציה לכך שההעברה מחכה לחתימת מורשים נוספים. ניתן לביצוע עד 5 ימי עסקים – סטטוס ביניים
PENDING	When the payment status is still RCVD after the payment has been finalized, the status will be pending. This might happen if the payment needs to be authorized by a banker or needs special authorization. ההעברה ממתינה לאישורים נוספים, ייתכן אישור בנקאי או אישור נוסף – סטטוס ביניים
ERROR	Indicates failure in the process. אירעה שגיאה
INIT	The payment has been created but not yet completed by the user. סטטוס ראשוני – הוקמה הפעולה

Transaction Visual Flow

Choosing Payment Method – Bank Transfer:

Selection of Bank + Branch:

You can type the name of the bank or choose from a pre-configured drop-down list.

After selecting the bank, a drop-down list (of the branch) will open with branches linked to the selected bank.

After branch’s selection, type in your Bank’s account.

After entering the customer’s bank account number, and pressing the Submit ‘בצע תשלום’ button,
a pop-up will appear (if using a desktop website) that will let you choose to scan a QR code to be re-directed to your bank application or rather be re-directed to the web application.

After entering your bank account, you will be re-directed to the request, like so:

You will then be asked to authenticate yourself via SMS or a Phone call.

After completing the process, you will be re-directed to a “success” page* or “error” page*.

Examples for iOS / Android / Desktop ↓
Desktop

ios

Android

Iframe - Initiate ONLY Bank Transfer Tab

Some businesses want to enable Bank Transfer as a single tab in Iframe and make it as default when opening the Iframe.

To initiate Bank Transfer tab as default in Iframe, you'll have to send these parameters:

				
					{
  "DefaultTabButton": "OpenFinance",
  "OpenFinance": {"Enable": "True", "Initiate": "True"},
  "CreditCard": {"Enable": "false"},
  "GooglePay": {"Enable": "false"},
  "ApplePay": {"Enabled": "false"},
  "Bit": {"Enable": "false"}
}

DefaultTabButton parameter is for selecting the Tab that will open by default when opening the Iframe.
CreditCard parameter is a MUST and must be sent.
GooglePay/ApplePay/Bit – If these aren’t enabled, no need to send. If you work with these tabs, you must send them as false.

InitiateBankTransfer – API

Method URL:
https://gateway21.pelecard.biz/services/InitiateBankTransfer

JSON Body:

				
					{
   "terminalNumber": "",
    "user": "XXXXXXXXXX",
    "password": "XXXXXXXXXX",
    "total": "100",
    "BusinessName":"Test Business",
    "SendSMS": "false",
    "Phone": "",  
    "SendEmail": "false",
    "EmailField": "",  
    "Currency": "376",  
    "LinkLanguage": "he",  
    "ServerSideFeedbackURL": ""
}

Response:

				
					{
"StatusCode": "000",
"ErrorMessage": "Operation success, sending SMS link to user",
"ResultData": {
"payUrl": "https://api.open-finance.ai/v2/su/01JW32ARZYYKSXXXXXXGYY71DR",
"paymentId": "01JW32AXXXXXSBRZH7Q",
"TrxId": 2427101462 
}
}

You may choose either sending the link by Email, Telephone, both, or by receiving the payUrl, and sending it via your system and logic.
!!! Save the paymentId for a counter-transfer (if the business is required to “refund” the client by making a transfer to his account).
!!! Save the TrxId – this parameter will allow you to request the status of the transaction.
By using GetTransDataByTrxId method (review it via this Link), you will receive the Status of the transaction.

List of StatusCodes

StatusCode	ErrorMessage
655	Open Banking General Error
660	ACCC – Settlement on the creditor account has been completed.
661	ACSC – Settlement on the debtor’s account has been completed.
662	ACSP – All preceding checks such as technical validation and customer profile were successful
663	ACTC – Authentication and syntactical and semantical validation are successful.
664	ACWC – Instruction is accepted but a change will be made, such as date or remittance not sent.
665	RCVD – Payment initiation has been received by the receiving agent.
666	RJCT – rejected – lack of coverage, transaction expired, or bank rejected.
667	PATC – The payment initiation needs multiple authentications
668	PENDING
669	ERROR – Failure in the process
680	INIT – The payment has been created but not yet completed by the user.
671	ACFC – Pre-ceeding check of technical validation and customer profile was successful
672	CANC – Payment initiation has been cancelled before execution