Instant Bank Transfer Integration

This section covers the integration of payabl. Instant Bank Transfer. This feature redirects users to their banking app or browser and returns them to your app via a deep link.

Integrate iOS SDK Instant Bank Transfer button

ViewModel and Delegate Implementation

 class DemoCartViewModel: ObservableObject {
    let backendCheckoutUrl = URL(string: "backend_endpoint/payment_page")!
    var instantBankTransfer: PBLInstantBankTransfer?
    var configuration: PBLConfiguration?
    @Published var pblInstantBankTransferLoaded: Bool = false
    
    func prepareOrder() async -> PBLConfiguration? {
        var request = URLRequest(url: backendCheckoutUrl)
        request.httpMethod = "POST"
        await withCheckedContinuation { [weak self] continuation in
            let task = URLSession.shared.dataTask(with: request, completionHandler: { [weak self] (data, response, error) in
                guard let data = data,
                      let json = try? JSONSerialization.jsonObject(with: data, options: []) as? [String : Any]
                else { return }
                let sessionId = json["sessionId"]
                let transactionId = json["transactionId"]
                let ephemeralKey = json["empheralKey"]
                
                self?.configuration = PBLConfiguration(
                    sessionId: sessionId as! String,
                    ephemeralKey: ephemeralKey as! String,
                    customerId: "",
                    environment: .sandbox,
                    transactionId: transactionId as! Int,
                    appleMerchantId: "merchant.payabl.isdk"  // Apple merchant id registered in developer.apple.com
                )
                continuation.resume()
            })
        }
        return self.configuration
    }
    
    func prepareInstantBankTransfer() async -> PBLConfiguration? {
        guard let pblData = await prepareOrder() else { return nil }
        Task { @MainActor in
            pblInstantBankTransferLoaded = true
        }
        return self.configuration
    }
}

extension DemoCartViewModel: PBLInstantBankTransferDelegate {
    func instantBankTransferTapped(onLoadSessionCompleted: @escaping (PayablMerchant.PBLConfiguration) -> Void) {
        Task {
            guard let config = await prepareInstantBankTransfer() else { return }
            onLoadSessionCompleted(config)
        }
    }
    
    func instantBankTransferCompleted(result: PayablMerchant.PBLPaymentResult) {
        print(result)
    }
}

extension DemoCartViewModel: PBLErrorDelegate {
    func errorOccured(error: any Error) {
        print("error from sdk: ", error)
    }
}

📘
Note
PBLPaymentResult.finished indicates that the payment flow has finished, but it does not guarantee a successful transaction. The final transaction status will be confirmed through a server-to-server notification sent to your backend via the notification_url.

SwiftUI View (Custom Button)

struct ContentView: View {
    let cartVM = DemoCartViewModel()
    var body: some View {
        HStack {
            if cartVM.pblInstantBankTransferLoaded {
                cartVM.instantBankTransfer?.button {
                    ZStack {
                        Text("Instant bank transfer")
                            .foregroundStyle(.white)
                    }
                    .background {
                        Color.green
                    }
                }
            }
        }
        .onAppear {
            Task {
                cartVM.instantBankTransfer = PBLInstantBankTransfer(delegate: cartVM, errorDelegate: cartVM)
                cartVM.pblInstantBankTransferLoaded = true
            }
        }
    }
}

Requirements for Instant Bank Transfer

Although mobile/init treats url_failed, url_success, url_return, notification_url as optional parameters, for instant bank transfer session to be valid, we expect these params to be part of mobile/init API.

No additional configuration or setup is required. The SDK handles the full flow.