> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Initiation Eur

It is an online payment method that allow customers to directly initiate payments from their bank accounts within an online environment.

# How It Works

* The customer has to select their bank.
* They are then redirected to their online banking environment (or a secure third-party platform).
* Within their banking environment, they authenticate the payment (e.g., with a password, fingerprint, or one-time code).
* Once authenticated, the payment is instantly transferred to the merchant.

### Where It Works

**Europe (28 EU countries)**

Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Estonia, Spain, Finland, France, Greece, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Poland, Portugal, Romania, Sweden, Slovakia.

# Payment Method type

Users can use the below payment method type to create a transaction using Bank Initiation in the available geography

* Europe: `bank_initiation_eur`

# Functionality

| Functionality                | Yes/No | Description                           |
| ---------------------------- | ------ | ------------------------------------- |
| **Refund Support**           |        |                                       |
| Full Refund                  | ✅      |                                       |
| Partial Refund               | ✅      |                                       |
| **Generally Available**      | ✅      |                                       |
| **Disputes and Chargebacks** | ✅      | Usually raised from police complaints |

# Limits and Expiration

The following is the upper and lower limits for Bank Push transactions:

* **Minimum Limit**: USD 0.5
* **Maximum Limit**: USD 100000

There is no default expiration for a transaction.

# User Experience

Redirect Experience (Embedded flow)

For more details, click [here](https://tazapay.com/payment-methods)