PayAnyBank Flow

These are the steps involved when performing a Pay Any Bank call:

1. Merchant retrieves bank fields based on bank country and currency
2. Merchant retrieves list of bank names based on country and currency (optional).
3. Merchant sends payment request to MiFinity.
4. MiFinity sends payment to the processor.
5. Processor sends the payment request to the bank.
6. Bank credits the customer (from same day up to 2 business days)

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There are some edge case scenarios in which the system might not provide a timely response to an API payment request. In the event that you receive a timeout when sending the request, do NOT assume that the transaction is failed. In such cases, you can safely retry the transaction using the SAME traceID, and if the transaction was initially received, then the API will return a duplicate request error. In case it wasn't initially received, the request would be consumed accordingly.

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If in any doubt, please reach out to our support team or send an email to [email protected].