Bancomat Pay

BANCOMAT Pay is a payment method available to cardholders using the BANCOMAT mobile application. Our Smart Checkout solution requests the cardholder to enter the mobile number that is linked to their BANCOMAT Pay mobile application. They will then be able to authorise the transaction within the application.

#➡️ Key benefits of offering Bancomat Pay as a payment method are:

• Flexibility: users can pay with their bank card BANCOMAT Scheme.

• Easy to use: Consumers experience a seamless and secure experience.

• Get started quickly: The merchant does not need to have an account with BANCOMAT.

#How it works

At the online checkout, the customer selects BANCOMAT Pay as their preferred payment method, before filling in their details and clicking Continue.

A notification for the payment will then be received on the mobile device on which the BANCOMAT Pay application is installed:

Once the BANCOMAT Pay app is opened, the payment request can be seen and actioned:
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Upon clicking Confirm, the payment will be displayed as ‘in progress’:
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Finally, the application will confirm the payment is complete, and the Smart Checkout payment page will update:

#How it works on POS

At our Viva.com Terminal App, the merchant selects BANCOMAT Pay from the list of card scheme after sending the amount request.

#➡️Details

• Payment method type: Asynchronous. You need to set up webhooks in order to get notified for asynchronous payments

• Refunds: Supports partial and full refunds (only one refund is allowed)

• Recurring payments: Not yet supported

• Pre-authorizations: Not yet supported

• 0% Cashback: Supported

• MOTO: Not supported

• Cancellation: Supports cancellation

• Disputes: Not supported

• DCC: Not supported

• Surcharge: Not supported

• Tipping: Not supported

• Installments: Not supported

• Tokenization: No

• Restricted MCC: Some Merchant Categories are not eligible to have BANCOMAT Pay activated

• Μerchant countries: Italy

• Customer countries: Italy

• Pricing: Please refer to our pricing page under the main navigation for more information.

• Settlement: Customer payments are deposited next day into your business account for confirmed payments / successful transactions (i.e. have statusId = F)

• Cross-currency payments: Not yet supported

• Additional notes: BANCOMAT Pay is available through Quick Pay and for payment orders with the disableExactAmount parameter set to ‘true’.

#➡️How to activate

Merchants do not need to have an account with BANCOMAT Pay.

Merchants can only activate BANCOMAT Pay on their own from their Viva account interface. To activate BANCOMAT Pay, please follow the procedure below:

1. Sign in to your viva.com account.

2. Click on Settings > API Access and scroll down to the BANCOMAT Pay (Payment Method) section.

3. Click on the Enable BANCOMAT Pay as a payment method button.

4. BANCOMAT Pay will be activated

5. If you want to deactivate BANCOMAT Pay, click the Disable BANCOMAT Pay as a payment method button.

#➡️ Merchant Categories (MCC)

Some merchant categories are not eligible to activate BANCOMAT Pay. If your business is in one of these categories, you will not be able to accept payments through BANCOMAT Pay:

#➡️Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!