In a standard integration solution, buyers need to select a specific online banking option on the payment method page before being redirected to the online banking page. However, this process can be time-consuming and often leads to higher buyer drop-off rates. To address this issue, the bank pre-front solution allows buyers to complete payments by selecting a specific bank directly on the merchant's page, optimizing their online banking payment experience.

This solution requires you to have high development capabilities and requirements for user experience. The process of the integration solution is as follows:

User experience

Integration considerations

The integration steps for this solution are consistent with the standard integration process, requiring only minor adjustments to the input and output parameters of the interface.

• When calling the consult API to obtain the list of payment methods, for payment methods that support bank pre-front solution, the supportBanks list is returned in the paymentOptionDetail field. Taking the payment method Przelewy24 as an example, the available bank list for this payment method will be displayed in the sub-parameters of paymentOptionDetail.supportBanks. Refer to Bank list for more information.
• When calling the pay API, you need to pass the payment method and specify the bank. For example, for the Przelewy24 payment method, if the buyer selects ING Bank Śląski as the bank under the Przelewy24 channel, you need to include the following parameters in the input of the pay API:

• paymentMethod.paymentMethodType: P24
• paymentMethod.paymentMethodMetaData.bankIdentifierCode: 49