What can the product do?

This product can be used to set up such a pre-defined transaction, taking into account important risk and fraud criteria (so-called security check), by means of one-time access to the online transfer function of a bank account.

FinTecSystems is a purely technical service provider and is not involved in the actual cash flow. The transfer is made directly from the customer's bank account to the specified receiving account of the provider, using the online transfer payment form.

What happens?

The initial call by the merchant provides the necessary framework data for the online transfer to be executed. The merchant is then provided with an individual URL via which the customer can be immediately and directly requested to interact (login to online banking). After the successful login (if necessary with a second factor), if necessary the account selection, the security check is carried out. The confirmation TAN (if necessary) is then entered by the customer and the SEPA

transfer is then initiated in the background. The customer is then forwarded to a predefined success or abort page.

What steps are included?

The following functions can be used in this context:

Initial call

The following data must be provided by the dealer:

Amount, Currency, and Purpose

The following data can be provided by the dealer:

  • Initial language and individualization of the payment form
  • sender information
  • metadata
  • URLs for Forwarding and Information

By transferring a BIC or a country code as part of the initial creation of a payment, the bank and/or country selection for the customer is skipped. Further details can be found in the interface documentation.

Payment form

The interaction of the end customer with the system takes place with the help of input masks connected in series (wizard). This interaction can be integrated in different ways into the business process and the system landscape of the provider, as forwarding or embedded in the own website.

The end customer is guided through the wizard of our system. There the end customer is shown, among other things, a country and bank selection (if necessary), the bank-specific display of the individual login form, the display and confirmation of terms of use or data protection information and, if necessary, an account selection and TAN entry.


As a result of the initial call, a unique ID of this transaction is returned in addition to the URL for forwarding the customer. Using this ID, the details can be queried at any time via a corresponding interface call. The transaction data is deleted by default after 30 days and can no longer be retrieved from this point in time. A transaction can also be deleted earlier via a corresponding interface call.