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Bank Transfer

VT Integration option

Payment

Info

This integration option supports only EUR and GBP currencies.

Payment flow

  1. The customer initiates the payment on the merchant's website.
  2. The merchant sends the payment request to PayCross.
  3. PayCross sends a response containing the URL for completing the payment.
  4. The merchant redirects the customer to the provided URL.
  5. The customer selects the bank and completes the payment.
  6. PayCross sends a webhook notification with the payment status to the merchant. The merchant may also request the payment status from PayCross with the status query.
Request

Send a payment request with the following additional parameters:
object
return_url
required
 string
A URL to return the customer to when a transaction is completed.
ip
 string
The customer's IP address.
object
A section of the payment method information.
type
required

 string
bank_transfer
object
A section of information about the customer.
email
required
 string
The customer's email address.
first_name
required
 string
The customer's first name.
last_name
required
 string
The customer's last name.
Request example 
{
    "request": {
        "test": true,
        "amount": 100,
        "currency": "EUR",
        "ip": "127.0.0.1",
        "description": "description",
        "return_url": "https://return.com",
        "method": {
            "type": "bank_transfer"
        },
        "customer": {
            "first_name": "John",
            "last_name": "Willson",
            "email": "[email protected]"
        }
    }
}
Response

Redirect your customer to the URL received as the value of the form.action parameter.

Response example 
{
    "transaction": {
        "uid": "1975e85b-a63d-497d-8d96-1d92f356ac13",
        "type": "payment",
        "status": "pending",
        "amount": 100,
        "currency": "EUR",
        "description": "description",
        "created_at": "2025-06-18T19:04:54Z",
        "updated_at": "2025-06-18T19:04:56Z",
        "method_type": "bank_transfer",
        "receipt_url": "https://admin.pay-cross.com/customer/transactions/1975e85b-a63d-497d-8d96-1d92f356ac13/d47437c5c638219f1f0fe56b5fa303d3379c0eee6205d8f3bce27fc32244c92a",
        "payment": {
            "status": "pending",
            "gateway_id": 5508,
            "ref_id": "666c5304-6c8e-414f-a401-cfdcdc8b1c14",
            "message": "Transaction was initialized."
        },
        "bank_transfer": {
            "type": "bank_transfer"
        },
        "customer": {
            "email": "[email protected]",
            "last_name": "Willson",
            "first_name": "John",
            "ip": "127.0.0.1"
        },
        "manually_corrected_at": null,
        "version": 2,
        "message": "Transaction was initialized.",
        "code": "P.9999",
        "friendly_message": ".",
        "test": true,
        "billing_address": {
            "email": "[email protected]",
            "last_name": "Willson",
            "first_name": "John"
        },
        "additional_data": {
            "short_uid": "175027349469858906",
            "payment_method": {
                "type": "alternative"
            }
        },        
        "gateway": {
            "iframe": false
        },
        "form": {
            "action": "link-to-payment-page",
            "method": "GET",
            "fields": []
        }
    }
}