Online Reference Code Payments

The online reference code payments will allow you to automate bank transfer collections.

The payer MUST insert the reference code when executing the bank transfer.

Flow Description

• The merchant creates a request with the payment information .

• Localpayment stores the information.

• Localpayment generates the response with the reference ID and wire instructions.

Our API will return the reference code in the body of the JSON response:

200 PARTIAL response example

   "wireInstructions": {
        "bank": {
            "name": "Banco Itaú",
            "code": null,
            "branch": null,
            "account": {
                "type": "Checking",
                "number": "20000-9"
            }
        },
        "beneficiary": {
            "name": "LP DO BRASIL",
            "document": {
                "id": "CNPJ",
                "type": "34444130000133"
            }
        },
        
    },

• The payment reference is generated and sent to the customer for use at their bank branch to complete the payment.

• Payer goes to the Home Banking website or API

• Logs into your Home banking

• Goes to the "Payment Service" menu

• Enters the reference number, beneficiary account, beneficiary details and excecute the bank transfer.

• The bank returns the status of the transaction.

• Localpayment process the transaction and updates the transaction status.

• Localpayment notifies the merchant via webhook.

Localpayment will automatically process and send the webhook to your server. The SLA will be according to the correspondant ACH network. For example TEF in Mexico is not a real time network, it takes t+1

Flow and its statuses