# Bank Transfer

{% hint style="danger" %}
Unavailable from November 7th.
{% endhint %}

## Payin by BankTransfer

<mark style="color:green;">`POST`</mark> `https://gateway-test.pagsmile.com/trade/pay`

This endpoint allows you to submit a payin by BankTransfer in Panama.

#### Headers

| Name                                            | Type   | Description                                |
| ----------------------------------------------- | ------ | ------------------------------------------ |
| Content-Type<mark style="color:red;">\*</mark>  | string | application/json; chartset=UTF-8           |
| Authorization<mark style="color:red;">\*</mark> | string | Basic Base($app\_*id:$security\_*&#x6B;ey) |

#### Request Body

| Name                                                       | Type   | Description                                                                                 |
| ---------------------------------------------------------- | ------ | ------------------------------------------------------------------------------------------- |
| app\_id<mark style="color:red;">\*</mark>                  | string | <p>created app's id at dashboard</p><p>- Max. 32 chars -</p>                                |
| customer.email<mark style="color:red;">\*</mark>           | string | User's email                                                                                |
| customer.identify.number<mark style="color:red;">\*</mark> | string | User's identification number                                                                |
| method<mark style="color:red;">\*</mark>                   | string | Fixed value: BankTransfer                                                                   |
| out\_trade\_no<mark style="color:red;">\*</mark>           | string | <p>ID given by the merchant in their system<br>- Max. 64 chars - </p>                       |
| notify\_url<mark style="color:red;">\*</mark>              | string | Where Pagsmile will send notification to                                                    |
| customer.identify.type<mark style="color:red;">\*</mark>   | string | <p>User's identification type</p><p>- RUC, PASS or CE -</p>                                 |
| customer.name<mark style="color:red;">\*</mark>            | string | User's name                                                                                 |
| timestamp<mark style="color:red;">\*</mark>                | string | <p>yyyy-MM-dd HH:mm:ss<br>- Max. 19 chars -</p>                                             |
| subject<mark style="color:red;">\*</mark>                  | string | <p>payment reason or item title</p><p>- Max. 128 chars -</p>                                |
| order\_amount<mark style="color:red;">\*</mark>            | string | <p>payment amount<br>- 1 \~ 100,000 USD -</p>                                               |
| order\_currency<mark style="color:red;">\*</mark>          | string | Fixed value: USD                                                                            |
| content                                                    | string | <p>payment reason detail or item detail</p><p>- Max. 255 chars -</p>                        |
| buyer\_id<mark style="color:red;">\*</mark>                | string | merchant user's id                                                                          |
| website\_url                                               | string | <p>merchant website URL</p><p>- Max. 128 chars -</p>                                        |
| return\_url                                                | string | Redirect to Merchant's url when user finished checkout                                      |
| bank<mark style="color:red;">\*</mark>                     | string | Use [API](https://docs.pagsmile.com/payin/tools/supported-bank-list-query) to get bank code |
| account\_number                                            | string | <p>Account</p><p>- 5 \~ 20 digits -</p>                                                     |
| account\_type                                              | string | Should be one of CHECKING, SAVINGS                                                          |

{% tabs %}
{% tab title="200 submit successfully" %}

```
{
    "code": "10000",
    "msg": "Success",
    "trade_no": "2022010106532400030",
    "out_trade_no": "202201010354010",
    "web_url": "",
    "pay_url": "https://checkoutv2.pagsmile.com/checkout?prepay_id=",
    "trade_status": "PROCESSING",
    "reference":"ZRH9-FZAT-TAHV",
    "instruction":"{\"beneficiary\":{\"bank\":{\"code\":\"0079\",\"name\":\"LAFISE PANAMA\",\"branch\":[],\"account\":{\"number\":\"201020008603\",\"type\":\"C\"}},\"document\":{\"id\":\"155714930-2-2021\",\"type\":\"RUC\"},\"name\":\"LOCALPAYMENT PAN, S.A.\",\"type\":\"INDIVIDUAL\"},\"referenceCode\":\"ZRH9-FZAT-TAHV\"}",
    "due_date":"2024-02-14T09:00:15.993266"
}
```

{% endtab %}

{% tab title="400 duplicate out\_trade\_no" %}

```
{
    "code": "40002",
    "msg": "Business Failed",
    "sub_code": "duplicate-out_trade_no",
    "sub_msg": "out_trade_no is duplicate"
}
```

{% endtab %}
{% endtabs %}

{% hint style="info" %}
**User payment tips**

**reference** is the ticket number that the user needs to use for payment
{% endhint %}

| Identify Type | Identify Number          | Description | Example                                                |
| ------------- | ------------------------ | ----------- | ------------------------------------------------------ |
| RUC           | Single Taxpayer Registry | 5-15 digits | 1790095389001                                          |
| PASS          | Passport                 | 5-20        | PD0404102                                              |
| CE            | Cedula (Local ID)        | 5-12        | <p>8-211-1816</p><p>E-1234-12345<br>1AV-1234-12345</p> |

## Example

```
curl --location --request POST 'https://gateway-test.pagsmile.com/trade/pay' \
--header 'Authorization: Basic MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ==' \
--header 'Content-Type: application/json' \
--data-raw '{
    * "app_id": "162************38",
    * "out_trade_no": "202201010354010",
    * "method": "BankTransfer",
    * "order_amount": "12.01",
    * "order_currency": "USD",
    * "subject": "trade pay test",
      "content": "trade pay test conent",
    * "notify_url": "http://merchant/callback/success",
      "return_url": "https://www.merchant.com",
    * "buyer_id": "buyer_0101_0001",
    * "timestamp": "2022-01-01 03:54:01",
      "timeout_express":"1c",
    * "bank": "1805",
    * "account_number": "12**4324",
    * "account_type": "C",
    * "customer": {
    *     "identify": {
    *        "type": "RUC",
             "number": "390**7"
          },
    *     "name": "Test User Name",
    *     "email": "test@pagsmile.com"
      }
      }'
```

{% hint style="info" %}
Note:  **162\*\*\*\*\*\*\*\*\*\*\*\*38** is pagsmile's test app id for sandbox, and **MTYyNTgyOTIxNDUzMTY2Mzg6UGFnc21pbGVfc2tfZDUwMWQ1ZGNkNTI5OGQ5N2MwNmUzYjI4YjA2OWZjZmY3NDU5ZjY2NzNiMjFjMTFlYTY3NDM5MDgzOTZkOTYxNQ==** is authorization token associated with the test app id.&#x20;
{% endhint %}

{% hint style="danger" %}
Please use your own **app\_id** and generate your own **authorization token** when testing.
{% endhint %}

<figure><img src="https://4142198059-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MgOGd5QxlX-U1mkQpVU%2Fuploads%2FYHFF5sFAA78xpZaaoSdL%2Fimage.png?alt=media&#x26;token=03408b4f-f106-4868-8c32-70da801fe3b4" alt=""><figcaption><p>Example of Panama Payment page</p></figcaption></figure>