Last updated: 17 September 2026 | Change log

BANCOMAT Pay

BANCOMAT Pay is an Italian bank‑transfer payment method that enables customers to make online purchases through a mobile app linked directly to their bank accounts. It is widely used across Italy by PagoBANCOMAT card holders.

Note

Make yourself familiar with our API principles to ensure a resilient integration.

Product overview

Feature summary

Payment type	Country	Acceptance currency	Reversals	Partial reversals	Auth and settlement (sale)	Disputes
Bank transfer	Italy	EUR	Refund - yes Cancel - no	Partial refund - yes Partial cancel - no	✅	✅

Minimum transaction value: 0.50 EUR
Maximum transaction value: 10,000 EUR

Customer journey

Your customer enters their mobile number at checkout. They receive a payment request notification, open the BANCOMAT Pay app, and confirm the payment by PIN, fingerprint, or face recognition.

Get started

Use our API reference and set your headers.

Request

POST https://try.access.worldpay.com/apmPayments

Example request

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "ach",
    "narrative": {
      "line1": "MindPalace"
    },
    "value": {
      "amount": 750,
      "currency": "USD"
    },
    "paymentInstrument": {
      "type": "direct",
      "accountType": "checking",
      "accountNumber": "01234567890123456",
      "routingNumber": "012345678",
      "checkNumber": "012345678901234",
      "companyName": "Worldpay",
      "billingAddress": {
        "address1": "8500 Governors Hill Drive",
        "address2": "Symmes Township",
        "postalCode": "45249",
        "city": "Ohio",
        "state": "US-OH",
        "countryCode": "US"
      }
    },
    "customer": {
      "firstName": "John",
      "lastName": "Johnson",
      "customerId": "43424",
      "email": "john@example.com"
    }
  }
}

Parameters

transactionReferencestring, [ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$required

For Bizum transactions, please follow this extra regex [a-zA-Z0-9]{4,12}

orderReferencestring, [ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$

A reference that you can apply to one or more payments according to your business needs. You may reuse the same reference across multiple payments, for example where:

the total amount for a single order is split across multiple payments
you use a single reference for each payment in a recurring agreement or split shipment scenario

merchantobject(MerchantV2)required

instructionobject(InstructionV2)required

Response

Example response

{
  "redirect": "",
  "_actions": {
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "paymentId": "HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c",
  "lastEvent": "pending",
  "paymentInstrument": {
    "method": "bancomat",
    "type": "direct"
  },
  "commandId": "cmdjW0w-zEw4uQUp57KArz4t0"
}

Schema

paymentIdstring

The identifier of the payment resource.

lastEventstring

Enum:"authorized""cancelFailed""cancelled""cancelRequested""sentForSettlement""sentForAuthorization""settlementFailed""chargebackReversed""chargedBack""disputeExpired"

_linksobject(Links)

Links to resources related to the request.

_actionsobject(ActionsV2)

redirectstring

The URL to redirect your customer to, or a QR code in Base64 to show to your customer, in order to complete the transaction.

commandIdstring

An action ID generated by us, identifying a single merchant interaction.

Example:"cmdYNdIHBPJwbkjLiykzTx0"

paymentInstrumentAll others (object) or PayPal (object) or SEPA DD (object) or Klarna (recurring) token (object)(PaymentInstrument)

One of:

Payment instrument for: ACH, Alipay China, Alipay Hong Kong, Alipay Plus, BANCOMAT Pay, Bancontact, Bizum, BLIK, EFT, Euteller, iDEAL guest, iDEAL recurring, Klarna, Klarna (recurring), Konbini, Multibanco, MyBank, Open Banking, PaysafeCard, Pix, Przelewy24, SafetyPay, Satispay, Swish, Trustly, China UnionPay, WeChat Pay.

transactionCodestring

For Pix payments - display to your customer for them to copy and paste in the Pix app.

For Swish payments - use this value as the {token} in the custom URL scheme: swish://paymentrequest?token={token}&callbackurl={callbackURL}. This will prompt the app to open, allowing your customer to complete their payment.

Example:"IZQ3iUfePwiWiwldJlipl8NGVA7w5IUg"

Errors

Check out our API reference for more responses or error codes.

Simulation

Simulate payment outcomes and trigger webhooks in our Try environment by sending a request using magic values.

Add the magic values below in the lastName field under the customer object.

Upon sending a payment request, you receive the payment status pending. Query the payment to receive the desired payment status.

With the payment status sentForSettlement, you can use the reversal link to refund a payment and receive the status sentForRefund.

Magic value	Payment status	Description
AUTHORISED	`authorized`	Payment authorized successfully.
CAPTURED	`sentForSettlement`	Your customer’s payment is in the process of being settled.
CANCELLED	`cancelledByCustomer`	Unsuccessful payment - your customer has cancelled the payment in the BANCOMAT Pay app.

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "ach",
    "narrative": {
      "line1": "MindPalace"
    },
    "value": {
      "amount": 750,
      "currency": "USD"
    },
    "paymentInstrument": {
      "type": "direct",
      "accountType": "checking",
      "accountNumber": "01234567890123456",
      "routingNumber": "012345678",
      "checkNumber": "012345678901234",
      "companyName": "Worldpay",
      "billingAddress": {
        "address1": "8500 Governors Hill Drive",
        "address2": "Symmes Township",
        "postalCode": "45249",
        "city": "Ohio",
        "state": "US-OH",
        "countryCode": "US"
      }
    },
    "customer": {
      "firstName": "John",
      "lastName": "Johnson",
      "customerId": "43424",
      "email": "john@example.com"
    }
  }
}

Response example

{
  "redirect": "",
  "_actions": {
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "paymentId": "HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c",
  "lastEvent": "pending",
  "paymentInstrument": {
    "method": "bancomat",
    "type": "direct"
  },
  "commandId": "cmdjW0w-zEw4uQUp57KArz4t0"
}

Query response example

{
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdEOYtwT8tpnHu5uZUBAwmlV6bro05iymKvc8mwzAawjsgJmpfYV6BqoQvWGjKw4hwIbpTF5034xXNaTeU5izgdLAAEog8r6PqjIHs0QgBXQ1SKjRYbFn:t5hDGc8WxOcDxjjIvOG7vlGKoers:AJo+t3RH541gRrY6dNFwXWTNitB0+FcMvY4WkV:uk3MTgY8D1AQ9CshhCD+rd5nvOJM8ZA4VJvAJkUGe7OxeQa4erANeVT8cyU:6upWDoCYfWD462QlklMxTqvJsXCKVSvIaioEihxKegEVcWk3m64WEvsr1eQ2YUmfwv3cJfatqSLQJMc9UKf5OZNyq:1QBVQLHQ=",
  "lastEvent": "authorized",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "_actions": {}
}

Next steps

Manage your BANCOMAT Pay payment