Views:

 

Thanks to Ponto, you can create payment requests and send payment links to your customers, allowing them to pay you through Ponto. Your customers do not need a Ponto account to make payments. The payment link is generated by Ponto and is linked to a specific payment request that you prepare in your software, which then creates the request in Ponto.

 

A payment request acts as an envelope containing all the necessary payment details, such as the amount, currency, remittance information, beneficiary account, and a payment link for signature. By clicking the payment link, your customer is redirected to a Ponto page to sign your payment request with their bank of choice. Ponto’s payment initiation service is highly secure, ensuring compliance with all applicable regulations (PSD2, GDPR, AMLD).

 

Here are the main steps in the process:

 

  1. Preparation: You enter the payment request details in your software (amount, remittance information, etc.).

  2. Creation: Your software creates the payment request in Ponto, and Ponto returns the payment link to your software. The payment link is also available in your Ponto dashboard.

  3. Sending the Link: You send the payment link to your customer (e.g., along with an invoice).

  4. Signature: Your customer uses the payment link to initiate the payment process, then is redirected to a Ponto page to verify the payment details and select their bank. Your customer cannot change the payment request details (amount, remittance information, etc.). Ponto then redirects your customer to the bank's domain, where they can authenticate the payment with their usual credentials.

  5. At the end of the process, Ponto checks the status of the payment with your customer’s bank and updates the status of your payment request accordingly in Ponto.

 

Preconditions for creating payment requests with Ponto:

 

  • Your software supports payment request creation with Ponto. Please contact your software provider for more information.

  • The beneficiary bank account where you want your customers to pay is already linked to Ponto (read more).

  • The payment request service is already activated in Ponto for your organization.