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Feature activation

To enable this feature on your app, please contact us.

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Only available for Payment account customer

Virtual IBAN are only available for customers that have a payment account activated

Manual transfers (when the payer initiate a wire transfer from his bank without the ease of Open Banking Payments) are reconciled via virtual IBAN in two different ways:

via our interface

When using our Pay By Link interface, Bridge will display a virtual IBAN (vIBAN) to the payer in the following scenarios:

• Payer's Bank Not Found: If the payer's bank is not found in the bank list, we provide a vIBAN for reconciliation

• Third Payment Method Option: As a third payment method option on the bank page

When setting a callback_url on your payment links, after a manual transfer your user will be redirected to this url with the parameters below:

• payment_link_id
• status with the value manual_transfer

If your user clicks on the exit cross, you will receive the callback with the parameters below

• payment_link_id
• status with the value abort
• step with the value manual_transfer_page

via our API (coming soon)

To generate and display a vIBAN in your interface using our API, follow these steps:

Step 1: Call the Payment Link creation endpoint

curl 'https://api.bridgeapi.io/v2/payment-links' \
	-X POST \
	-H 'Bridge-Version: 2021-06-01' \
  -H 'Content-Type: application/json' \
	-H 'Client-Id: MY_CLIENT_ID' \
	-H 'Client-Secret: MY_CLIENT_SECRET' \
  -d $'{     
    "user": {
         "first_name": "Thomas",
         "last_name": "Pichet",
         "external_reference": "REF-USER-1234_AZ"
     },
     "callback_url": "https://myshop.com",
     "client_reference": "ABCDE_FG-HI_12345",
     "transactions": [
     {
         "amount": 120.98,
         "currency": "EUR",
         "label": "Refund 123456",
         "end_to_end_id": "E2E_ID-1234"
       }
     ]
}'

{
    "url": "https://pay.bridgeapi.io/link/9dcf522ce3663efc598f573634531eb3fccbbcdde0bc5d674c95c0740feb0ec6",
    "id": "3ae3a3d6-f9d5-445e-b8fe-2db1ab8c39d8",
    "payment_account_infos" : {
    	"viban": "FR111652800XXX13B7PXW2XXX" ,
      "bic": "SXXZPDK",
      "label": "label 1234"
    }
}

Step 2: display the vIBAN in your interface

Display the received vIBAN in your interface for payment reconciliation

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Reconciliation

Bridge reconciles manual transfers with the payment link using the vIBAN. It's important to note that a new vIBAN will be generated for every new payment link.