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Online Payments
Overview
Starting with paymentsTransaction and settlement modelPricing model
Payment Methods
OverviewGlobalEU & UK
RegionalAustriaBelgiumEstonia
Estonian Banks
Desktop/Mobile Website Browser
GermanyItalyLatviaLithuaniaNetherlandsPolandPortugalUnited Kingdom
APACUS & LATAM

Desktop/Mobile Website Browser

Accept Estonian online banking payments on your website by redirecting shopper to Estonian online banking payment page. See checkout process below:

  1. The shopper selects the online banking option from the merchant’s checkout page
  2. The shopper selects their preferred bank on the checkout page
  3. The shopper is redirected to the selected bank’s online banking page
  4. The shopper logs in to the online banking portal and reviews the order
  5. The shopper authorizes the payment
  6. The shopper is redirected back to the payment result page

Step 1. Initialize a Payment Intent

Create a PaymentIntent object with a request_id, amount, currency and a merchant_order_id from your backend server.

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Step 2. Get available payment methods

To be able to display Estonian banks as a payment option on your checkout page, you need to get available payment methods from Airwallex API.

When the PaymentIntent is created, send a GET request with parameters country_code, transaction_currency, transaction_mode to API endpoint /api/v1/pa/config/payment_method_types to query for a list of available payment method based on the information provided. The response will also contain the required fields and necessary resources of each payment method for you to display them on your page.

Request:

Response: Render payment methods in items to show all available payment methods to the shopper at checkout page.

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Note for available payment methods:

Alternatively, you can maintain available payment methods and corresponding resources locally on your server if you do not want to use this API endpoint. However, we highly recommend you get available payment methods dynamically from this API to avoid any trouble when payment method information or resources get updated.

Step 3. Get available banks

Estonian banks requires bank_name when confirming the Payment Intent, you can call this API endpoint /api/v1/pa/config/banks with payment_method_type, country_code and lang to get available bank names based on the payment method selected.

Request:

Response:

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Note for available banks:

Alternatively, you can maintain a list of available banks locally on your server for payment methods that require bank_name if you do not want to use this API endpoint. However, we highly recommend you get the banks dynamically from this API to avoid any trouble when bank information or availability gets updated.

Supported banks:

bank_nameDisplay name
citadele_eeAS Citadele Banka
lhvAS LHV Pank
seb_eeSEB Pank
luminor_eeAB Luminor
revolut_eeRevolut
swedbank_eeAB Swedbank
coopAS Coop Pank
n26_eeN26

Step 4. Redirect to Estonian online banking to complete payment

When a shopper selects to pay with Estonian online banking on their desktop/mobile browser, call the following API endpoints to get the URL which you can use to redirect the shopper to Estonian online banking to complete the payment.

  1. Obtain URL from Airwallex and redirect shopper to Estonian online banking

Request:

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Response: Render the value of url to redirect shoppers to Estonian online banking.

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  1. Wait for notification from Airwallex

Airwallex will notify you on the payment result asynchronously via the webhook API. Please refer to webhook documentation to set up your webhook accordingly. Although subscribing to different events is optional, it is recommended to at least subscribe to the payment_intent.succeeded which indicates that the shopper has successfully paid for the order via Estonian online banking.

  1. Query the PaymentIntent status

You may also query the status of a payment anytime via the PaymentIntents API

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