> ## 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.

# Pay By Bank

Pay by Bank is an Open Banking payment solution that allows customers to pay merchants directly from their bank account, without using a debit or credit card.

# How It Works

* Customer selects Pay by Bank at checkout.
* Chooses their bank.
* Authenticates using their banking app (e.g., biometric or OTP).
* The payment is authorized and transferred directly from the customer's bank account to the merchant.
* The merchant receives payment confirmation.

See the [Pay by Bank experience](/local-payments/experience/pay_by_bank) for a visual walkthrough of the checkout flow.

### Where It Works

**Eurozone and UK**

* Austria
* Belgium
* Czech Republic
* Estonia
* Finland
* France
* Germany
* Ireland
* Italy
* Latvia
* Lithuania
* Netherlands
* Norway
* Poland
* Portugal
* Spain
* Sweden
* United Kingdom

# 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`
* United Kingdom: `bank_initiation_gbp`

# Functionality

| Functionality                | Yes/No | Description      |
| ---------------------------- | ------ | ---------------- |
| **Refund Support**           | ✅      | Full and Partial |
| **Disputes and Chargebacks** | ❌      |                  |

# Limits and Expiration

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

* **Minimum Limit**: USD 0.01
* **Maximum Limit**: EUR 15000, GBP 15000

# Webhook

The following are the details returned in the webhook post a successful transaction.

1. Payer Bank Name
2. Payer Name
3. Payer Account number

```json expandable  theme={null}
{
    "account_id": "acc_cj8tobnc12eba20gosdt",
    "created_at": "2026-07-17T07:55:02.657272033Z",
    "data": {
      "amount": 500,
      "amount_paid": 500,
      "balance_transaction": "btr_d9ctvlil0c2r4hrg7tyu",
      "created_at": "2026-07-15T09:23:04.10363Z",
      "customer": "cus_d9bk2m97u2v77oc2scyo",
      "customer_details": {
        "country": "FI",
        "email": "kanza@example.com",
        "name": "Frida",
        "phone": {}
      },
      "expires_at": "2026-07-22T09:22:55Z",
      "holding_currency": "INR",
      "id": "chk_d9bl2tpaqfqu5mj8dghy",
      "invoice_currency": "EUR",
      "latest_payment_attempt": "pat_d9blfc9aqfqu5mj8gxrp",
      "metadata": null,
      "object": "checkout",
      "payin": "chk_d9bl2tpaqfqu5mj8dghy",
      "payment_attempts": [
        {
          "amount": 500,
          "charge_currency": "EUR",
          "created_at": "2026-07-15T09:49:39.229846Z",
          "customer": "cus_d9bk2m97u2v77oc2scyo",
          "customer_details": {
            "country": "FI",
            "email": "kanza@example.com",
            "name": "Frida",
            "phone": {}
          },
          "fx_transaction": {
            "exchange_rate": 1,
            "final": {
              "amount": 500,
              "currency": "EUR"
            },
            "id": "fx_d9blfchr92c4af4r3cqp",
            "initial": {
              "amount": 500,
              "currency": "EUR"
            },
            "object": "fx_transaction"
          },
          "id": "pat_d9blfc9aqfqu5mj8gxrp",
          "metadata": null,
          "object": "payment_attempt",
          "payin": "chk_d9bl2tpaqfqu5mj8dghy",
          "payment_method_details": {
            "bank_initiation_eur": {
              "payer_details": {
                "name": "Winsen Duker",
                "payer_bank": {
                  "account_number": "DK9189000047769247"
                }
              }
            },
            "type": "bank_initiation_eur"
          },
          "refunded": "na",
          "status": "succeeded"
        },
        {
          "amount": 500,
          "charge_currency": "EUR",
          "created_at": "2026-07-15T09:23:16.195248Z",
          "customer": "cus_d9bk2m97u2v77oc2scyo",
          "customer_details": {
            "country": "FI",
            "email": "kanza@example.com",
            "name": "Frida",
            "phone": {}
          },
          "id": "pat_d9blfc9aqfqu5mj8gxrp",
          "metadata": null,
          "object": "payment_attempt",
          "payin": "chk_d9bl2tpaqfqu5mj8dghy",
          "payment_method_details": {
            "bank_initiation_eur": null,
            "type": "bank_initiation_eur"
          },
          "refunded": "na",
          "status": "cancelled"
        }
      ],
      "payment_methods": [
        "bank_initiation_eur",
        "card"
      ],
      "payment_status": "paid",
      "statement_descriptor": "tzp*TazapayTest",
      "transaction_description": "Sending to Frida",
      "url": "https://checkout.tazapay.com/transaction/vuoSQambvBqrIAk75YzdLXzCybp_AThoXVS7OWdpwq6="
    }
}
```

# User Experience

* Mobile - Redirect Experience (deeplink)
* Web - Embedded Flow (deeplink)