Payins Overview

Banked's Payins API enables you to accept secure, fast, and cost-effective account-to-account payments directly from your customers' bank accounts to yours.

This guide will walk you through:

1. Key Benefits: Understand the advantages of using Banked's Payins API
2. Payment Types: Learn about the different payment types supported
3. Single Payments: Explore one-off payments and their flow
4. Recurring Payments: Discover how to set up recurring payments using mandates

Key BenefitsCopy URL

• Lower Transaction Costs: Significantly reduce payment processing fees compared to card payments
• Faster Settlement: Payments typically settle within minutes, not days
• Reduced Fraud: Payments are authenticated directly through the customer's bank
• No Chargebacks: Bank-to-bank transfers cannot be disputed like card payments
• Better Conversion: Simplified checkout flow improves customer experience

Payment TypesCopy URL

Banked's Payins API supports two main payment types:

• Single Payments
• Recurring Payments

Each payment type is designed to meet different business needs, from one-off transactions to recurring billing.

How Payins WorkCopy URL

Banked's Payins API uses PayTo, a real-time payment capability built on the New Payments Platform (NPP). When a customer initiates a payment:

• They provide their BSB + account number or PayID
• Banked submits a PayTo agreement request to their bank via the NPP
• The customer authorizes the request through their internet banking or a push notification
• Settlement is real-time, 24/7

Single PaymentsCopy URL

One-off, immediate payments that provide a secure, fast, and cost-effective alternative to traditional card payments. Perfect for e-commerce checkouts, invoices, and immediate transfers.

Single Payment FlowCopy URL

Single Payment AuthenticationCopy URL

Authentication for payins is handled through the checkout process. Explore the different customer authentication options:

Recurring PaymentsCopy URL

Recurring payments is where multiple payments can be triggered against one PayTo agreement and this is done with our mandates API. These payments are processed immediately using a pre-authorized mandate. User interaction is not required for each payment. Recurring payments are ideal for:

• Subscriptions, memberships, and recurring billing
• Account on File for eCommerce

Recurring Payment FlowCopy URL

A prerequisite for recurring payments is an active mandate. Check out our Mandates Overview for details on setting up and managing mandates.

Recurring Payment AuthenticationCopy URL

Authentication for recurring payments is handled through the mandate setup process. Once a mandate is created, payments can be processed without further user interaction.

Getting StartedCopy URL

Ready to integrate payins? Follow our step-by-step guides:

Additional ResourcesCopy URL

Developer DocumentationCopy URL

• Authentication Guide - Set up secure API access
• Development Environments - Configure sandbox and production
• Request Signatures - Implement request signing for enhanced security
• Request Field-level Encryption - Protect sensitive data in transit

Support and CommunityCopy URL

• FAQs - Common questions and troubleshooting
• Security Overview - Learn about our security practices and compliance
• Contact Banked Support for technical assistance