> ## Documentation Index
> Fetch the complete documentation index at: https://developers.pcibooking.net/llms.txt
> Use this file to discover all available pages before exploring further.

# BankPay Setup

> Configure BankPay (open banking) payments in PCI Booking. Account setup and testing.

BankPay enables customers to pay directly from their bank account via Open Banking. Instead of entering card details, the customer selects their bank from a list, authenticates with their banking credentials, and authorizes the payment. Funds move directly from the customer's bank account to your designated recipient account.

Through PCI Booking's [Payments Library](/payments-library/overview), you can offer BankPay alongside card payments and other methods on the same checkout page.

## How BankPay Works with PCI Booking

When a customer selects BankPay at checkout, the Payments Library presents a bank selection screen. The customer chooses their bank, is redirected to their bank's authentication page, and authorizes the payment. Once authorized, the payment is processed and PCI Booking notifies your system. No card data or banking credentials pass through your servers.

BankPay supports **CHARGE** operations only. Tokenization and 3D Secure are not applicable to BankPay transactions.

## Prerequisites

* A PCI Booking merchant account with BankPay enabled
* A bank account with a valid IBAN and BIC/SWIFT code to receive funds
* Coordination with PCI Booking to configure your Open Banking provider

## Setup

BankPay setup requires coordination with the PCI Booking team. Contact [support@pcibooking.net](mailto:support@pcibooking.net) to get started. Our team will guide you through account eligibility, provider configuration, and testing.

## Store in PCI Booking

Once configured, create an eWallet account in PCI Booking with:

| Field                     | Description                                      | Required |
| ------------------------- | ------------------------------------------------ | -------- |
| **eWallet Type**          | BankPay                                          | Yes      |
| **Merchant Identifier**   | Unique identifier for your merchant account      | Yes      |
| **Merchant Display Name** | Business name shown during bank selection        | Yes      |
| **Recipient Bank IBAN**   | Your bank account IBAN where funds are deposited | Yes      |
| **Recipient Bank BIC**    | BIC/SWIFT code for your recipient bank account   | Yes      |

You can store credentials through the [PCI Booking portal](https://users.pcibooking.net) or programmatically via the [Store Credentials API](/api-reference/payments-library-accounts/store-credentials).

## Testing

Contact the PCI Booking team to receive sandbox credentials for BankPay testing. In sandbox mode, you can simulate bank selection and authorization without processing real payments, allowing you to verify the full flow before going live.

<Info>
  BankPay is available for charge operations only. It does not support tokenization, pre-authorization, or 3D Secure flows.
</Info>

## Next Steps

<CardGroup cols={2}>
  <Card title="Payments Library Credentials" icon="book" href="/account-setup/payments-library-credentials">
    Overview of all payment method credentials
  </Card>

  <Card title="Payments Library Overview" icon="book" href="/payments-library/overview">
    Integrate the library in your checkout page
  </Card>
</CardGroup>