In this article:
- Which Banks are connected to Payit™ for our customers to pay from?
- Can Payit be integrated into an app?
- What technical resource is required to integrate?
- How does Payit work?
- Do we need to have to have an account with the NatWest Group?
- Is the sandbox for Collecting Payment by Request the same sandbox used for Collecting Payments Online?
- Can you set up Collecting Payments online and Collecting Payments by Request on the same Payit brand?
- Is any software needed to integrate with Tyl or Payit outwidth API?
Which Banks are connected to Payit™ for our customers to pay from?
Below is a list of both the CMA9 banks and other key banks/account providers that are currently connected to Payit.
Below is the connected list as of January 2023.
Bank of Scotland
Can Payit be integrated into an app?
If you own the app infrastructure, you can easily add Payit to your app which will redirect to our site to complete the payment; your customer will then be redirected back to your app once the payment is complete.
If you would like the customer to stay in your app for longer, you could integrate the browser into your app using Web view/In app browser. This will mean our webpage renders within your app.
Note – to authorise the payment via the banking app or online banking, you will need to relinquish control after the bank is selected for that redirect to happen. You may want to add browser navigation to your app so that your customers can view the terms easily before continuing with the journey.
If you would like to encourage your customers to use Payit via an app rather than a web browser, you may utilise Web view/In app browser which will mean our webpage renders within your app. However, for an improved customer experience you may want to adopt our direct embedded integration of Payit. This will prevent the need for re-directs to Payit hosted pages and enable you to control pages such as the bank selection and payment confirmation screens, allowing you more control over the customer interface of such pages. Although this may enable a more desirable customer experience for some merchants, it will require more development by your technology teams when integrating with Payit.
What technical resource is required to integrate?
The technical integration is relatively straightforward, and we have a readily accessible sandbox which you can use to safely develop and test in. For a standard eCommerce integration, we estimate that technical integration work and testing should take up to 20 weeks. We are also introducing a Payit plug-in with ecommerce sites in 2023, where merchants can include Payit in their shopping cart payment options, simplifying the integration process.
How does Payit work?
Payit utilises Open Banking APIs to facilitate payments without the exchange of account details. This is achieved through a payment initiation call to the customer’s bank via Open Banking APIs. The customer then authorises payment using their bank’s online or mobile banking journey and you receive funds via the Faster Payment rails.
Currently, you can integrate Payit in two ways: a Payit hosted journey, and direct embedded integration into your technology infrastructure. The key steps in the hosted journey are outlined below;
- Customer selects Payit as the payment option
- Access token request sent to and issued by Payit service
- Ecommerce site sends payment information to Payit service. Payit responds with TPP ID & redirect URL
- Customer directed to Payit bank selection page and chooses their bank
- Payit facilitates API call to chosen bank and manages customer handoff to bank site/app
- Customer logs into their bank and authorises payment. Bank sends payment consent & redirect to Payit
- Payit sends payment request to bank and receives a Payment ID in return confirming a faster payment has been initiated
- Customer shown confirmation of payment Payit page and is handed back to your ecommerce site
- Payit sends payment status to your ecommerce site
- Payment confirmation page on your ecommerce site
Direct embedded integration offers the same key steps as outlined above, but your customer is not fully redirected to a Payit hosted page and undergoes more of the journey within your mobile app or browser.
Do we need to have to have an account with the NatWest Group?
Yes, you will need to have a dedicated NatWest Group account to use Payit.
Is the sandbox for Collecting Payment by Request the same sandbox used for Collecting Payments Online?
No, a separate sandbox is required for Collecting Payments by Request. If you are onboarding both products, you will need to be set up 2 sandboxes to allow testing for the different functionality.
Please refer to the Sandbox documentation on the Collecting Payments and Collecting Payments by Request Bank of APIs pages for further information.
Can you set up Collecting Payments online and Collecting Payments by Request on the same Payit brand?
No, you will need to complete separate brand onboarding forms and a separate brand and brand ID will be created. This means the reconciliation file will show separate brands for each method. If the bill is broken down at brand level, it will show the different methods separately.
The backend process for receiving payment status notifications will also differ. For Collecting Payments, you must provide a Merchant API endpoint URL for Payit to send the payment status to. With Collecting Payments by Request, your API endpoint URL must be the PLG URL so that PLG can receive the payment status update. The merchant will also receive notification of the payment status as they will be required to provide a URL for this within the individual payment request.
Is any software needed to integrate with Tyl or Payit outwidth API?
No additional software is specifically required for use of Payit or Tyl.