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

Refunds

No

Step 1. Make a transaction request

From your server, make a POST /payment_preauthorize request.

POST https://sandbox.powercash21.com/pay/backoffice/payment_preauthorize

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.
  • email: The customer's email address.
  • custom2: The name of payment method - poli.
  • accountname: Accountname: 3 to 100 Characters
    You can see a full list of parameters in Pre-Authorization.

Request example

/powercash21-3-2/backoffice/payment_preauthorize&merchantid=syed&amount=1.23&currency=EUR&orderid=Powercash21-Test&language=en&gender=M&lastname=Mann&street=An+der+Welle+4&zip=60322&city=Frankfurt&country=DEU&customerid=&salutation=Herr&title=&firstname=Muster&company=Powercash21&birthday=07071971&house=19&postbox=&state=HE&email=test%40inatec.com&phone=XXXXXXXXXX8501&fax=&mobile=&customerip=127.0.0.1&custom1=&custom2=ideal&custom3=&url_return=http%3A%2F%2Fdev-sim-ng.inatec.local%2F%7Esimdad%2FInatecResponse%2Fredirect_response.php&url_success=http%3A%2F%2Fdev-sim-ng.inatec.local%2F%7Esimdad%2FInatecResponse%2Fsuccess.php&url_failed=http%3A%2F%2Fdev-sim-ng.inatec.local%2F%7Esimdad%2FInatecResponse%2Ffailed.php&notification_url=http%3A%2F%2F83.169.19.140%2Fsimulation%2Fbilling_response.php&payment_method=118&signature=f92d6faa96f68296f95ebc45a7aafcdc9613cb1f

Step 2. Handle the redirect

To complete the payment, you need to redirect the customer to the correct URL in the response.

Response

transactionid=213533786&transid=213533786&status=2000&errormessage=pending&errmsg=pending&amount=1.23&price=1.23&currency=USD&orderid=Powercash21-Test&amount=1.23&currency=USD&iban=&payment_ref_identifier=&account_name=&redirect_url=https%3A%2F%2Frouting.eps.or.at%2Fappl%2FepsSO-test%2Ftransinit%2Fbankauswahl_prepare.html%3Flang%3Dde%26caiSO%3D%252BPwCnU1ujZDOeD5qZHmWXHtRo&bic=&user_id=46929&redirect_url=http%3A%2F%2Fdevpc21n-03.inatec.local%3A12930%2Fpowercash21-3-2%2Fcaf19e52af1818535f57ab1a9cd5ab3bee602e57%2Fpayment%2Fredirect_to_bank

Notification example

"transactionid=116033311&type=capture&security=67cf6863d378sdfdsfdsaeb91dc5a9c072f7f1&
errormessage=&errorcode=0&orderid=743222831" "https://www.notification_url"

📘

url_return and notification_url should 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&timestamp=1605788760&
security=19667fb6d9d2f3c8457e29d949f72319a9986b88b0be47050d9fc49f746d279b&orderid=6eebd443fb407e3f35f0&errorcode=0" "https://www.notification_url"

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