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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:

Parameter Type Description
request object
return_url
* required
 string A URL to return the customer to when a transaction is completed.
ip string The customer's IP address.
method object A section of the payment method information.
type
* required
 string bank_transfer
customer 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": []
        }
    }
}