Pay by Bank

Pay by Bank is an open banking payment method that lets your customer pay directly from their bank account. Your customer selects their bank and approves the payment in their online banking or banking app.

Payment method details


Currency	EUR
Countries	Austria, Belgium, France, Germany, Netherlands
Minimum transaction value	0.01 EUR
Maximum transaction value	Depends on the customer's bank.
Capture	Not supported
Cancel	Not supported
Refund	Full and (multiple) partial refunds are supported.
Disputes	Not supported. Pay by Bank has no chargeback mechanism.
Tokenization	Not supported
Statement descriptor	Sent to the bank in the payment reference, followed by the Rootline payment ID. The text before the payment ID holds up to 90 characters. Rootline removes characters other than letters, digits, spaces and `?:().,'/-`.
Supported integrations	Checkout Components (Payment Methods List), Hosted Checkout

How your customer pays with Pay by Bank

Your customer selects Pay by Bank in the Rootline checkout, or on your own page when you use the redirect integration.
Rootline sends your customer to a page where they select their bank.
Your customer logs in to their online banking or banking app and approves the payment.
Your customer returns to your return_url.

The return to your return_url does not confirm the payment. The bank confirms the payment separately, so use webhooks to get the final payment status.

Create a seamless flow with the Payments API

In The Payment API section we explain how the Payments API can be leveraged to create a payment.

Checkout integration

Let Rootline handle the payment method selection. Start the payment by sending a payment request with the details below.

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "reference": "test_reference",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

The API returns a next_action object with a checkout_url. This URL leads your customer to the Rootline checkout page, where they select their payment method and enter their payment details.

{
    "id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2026-10-16T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "https://checkout.staging.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/checkout"
    },
    "statement_descriptor":"Bank statement text",  
    "return_url": "https://www.my_return_url.com"
}

Seamless redirect from your website to Pay by Bank

You can send your customer from your own page straight to Pay by Bank, without showing the Rootline checkout. Your customer selects the payment method on your page. To mark the payment as a Pay by Bank payment, add payment_rails.payment_method with the value paybybank to the request above:

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "payment_rails":{
    "payment_method":"paybybank"
  },
  "reference": "test_reference",
  "description":"Test description",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

Use the redirect URL in the response to send your customer to Pay by Bank. After the payment, your customer returns to the return_url you provided.

{
    "id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2026-10-16T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "payment_rails":{
        "payment_method":"paybybank"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "https://checkout.staging.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/redirect",
        "type": "redirect_customer"
    },
    "statement_descriptor":"Bank statement text",
    "return_url": "https://www.my_return_url.com"
}