POLi is a real-time online payment service. It integrates with major banks throughout Australia and enables consumers to pay easily online, directly from their internet banking accounts. The automated payment process uses cleared funds from a debit account to pay for consumer purchases, without accessing any sensitive personal data. Once a transaction is successful, POLi provides both the consumer and merchant with real-time receipts.
Supported banks include ANZ, Bank of Melbourne, BOQ, BankSA, Bankwest, Bendigo Bank, Citibank, Commonwealth Bank, CUA, IMB Building Society, ME Bank, NAB, Newcastle Permanent, People's Choice Credit Union, St. George Bank, Suncorp, Westpac.
|Payment type||Online banking|
|Market||Australia, New Zealand|
|Customer currencies||AUD, NZD|
|Processing currencies||AUD, NZD|
|Settlement currencies||AUD, EUR|
Step 1. Make a transaction request
From your server, make a POST /payment_preauthorize request.
Include in request:
merchantid: The merchant identification number.
orderid: The field orderid is optional and exclusively for the merchant's convenience.
amount: The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
currency: The currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. AUD, NZD.
payment_method: The payment method id - 5.
signature: The signature field contains a 40-figure hexadecimal value. This signature value is a checksum designed to protect the merchant account from unauthorized access.
bankcountry: Customer country in ISO Alpha-2 format. Supported countries: AU, NZ.
custom2: The name of payment method - poli.
accountname: Accountname: 3 to 100 Characters
You can see a full list of parameters in Pre-Authorization.
Step 2. Handle the redirect
To complete the payment, you need to redirect the customer to the correct URL in the response.
"transactionid=116033311&type=capture&security=67cf6863d378sdfdsfdsaeb91dc5a9c072f7f1& errormessage=&errorcode=0&orderid=743222831" "https://www.notification_url"
notification_urlshould be provided by you to payabl. technical team.
Notification example with additional account parameters.
"bank_number=70440&account_number=LTXXXXXXXXXXXXXX4024&payment_state=credited&bank_name=SEB& errormessage=&type=capture&transactionid=116033311&account_holder=muster+mann& bank_country=LITHUANIA×tamp=1605788760& security=19667fb6d9d2f3c8457e29d949f72319a9986b88b0be47050d9fc49f746d279b&orderid=6eebd443fb407e3f35f0&errorcode=0" "https://www.notification_url"
Updated 4 months ago