---
title: "CNP"
slug: "connpay-open-banking"
updated: 2026-03-24T08:25:16Z
published: 2026-03-24T08:25:16Z
canonical: "docs.apcopay.com/connpay-open-banking"
---

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

# CNP

Open banking simplifies deposits by enabling direct, secure bank-to-bank transfers through APIs. Customers authorise payments via their banking app, and funds are transferred instantly or quickly without traditional intermediaries.

## Supported Transaction Types

- [ ] Authorisation
- [ ] Capture
- [x] Purchase
- [ ] Refund
- [x] Withdrawal*
- [ ] Void

*Using Direct Connect integration

## Integrations Supported

For the Deposit flow:

- [x] Hosted Payment Page
- [ ] Direct Connect ( server-to-server)

For the Withdrawal flow:

- [ ] Hosted Payment Page
- [x] Direct Connect ( server-to-server)

## Currencies & Countries Supported

| Title | Description |
| --- | --- |
| **Currencies Supported** | EUR |
| **Countries Supported** | Germany, Belgium, United Kingdom, Netherlands, Ireland, Italy, France, Sweden, Norway, Finland, Spain, Denmark, Portugal, Austria, Czechia, Hungary, Slovakia, Bulgaria, Luxembourg, Romania, Lithuania, Latvia, Croatia, Liechtenstein, Malta, Cyprus, Greece, Iceland, Slovenia, Estonia, Poland, Switzerland. |

## Deposit - Additional attributes to process Open Banking via CNP

You must include the following JSON Attributes to the payload. These attributes inform us to redirect to CNP to finalise the payment process.

**Deposit**

Refer to our API Reference Document [here](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page) to create a Hosted Payment Page, use the below mandatory tags to process a deposit.

| Description | Hosted Payment Page |
| --- | --- |
| **Force Transaction Routing”** | "Routing":{ "ForcePayment": "CONNPAY" } |
| **Client Information** | "Client": { "Email": "[Joachim.Dzik1@notrealserver.com](mailto:Joachim.Dzik1@notrealserver.com)", "ClientAccount": "CliAcc01002", "FirstName": "Joachim", "LastName": "Dzik", "Country": "POL", "MobileNo": "48784788675", "IPAddress": "127.0.0.1" } |
| **Test Indicator** (required in Sandbox Environment only) | "isTest": true |

**Sample Deposit Request**

```json
{
  "TransactionType": "PURC",
  "Amount": 10.00,
  "Currency": "EUR",
  "OrderReference": "MerchantOrder1",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https://www.yourURL.com/Listener",
  "UniqueReference": "3a9f50f7-2deb-4dbf-a186-d58641s36665",
  "Language": "en",
  "Client": {
    "Email": "johndoe@gmail.com",
    "FirstName": "John",
    "LastName": "Doe",
    "Street": "Highland 1",
    "City": "Valletta",
    "Country": "MLT",
    "ZIPCode":"VLT1234",
    "IPAddress": "1.1.1.1"
  },
  "Routing": {
    "ForcePayment": "CONNPAY"
  },
  "IsTest": true
}
```

## Withdrawal OCT - Additional attributes to process Open Banking via CNP

Refer to our API Reference Document [here](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page) to create a server-to-server call, use the below mandatory attributes to process a withdrawal.

| Description | Direct Connect |
| --- | --- |
| **Force Transaction Routing** | "Routing":{ "ForcePayment": "CONNPAY" }, |
| **Client Information** | "Client": { "Email": "[Joachim.Dzik1@notrealserver.com](mailto:Joachim.Dzik1@notrealserver.com)", "ClientAccount": "CliAcc01002", "FirstName": "Joachim", "LastName": "Dzik", "Country": "POL", "DateOfBirth": "1990-12-31", "IPAddress": "127.0.0.1" } |
| **Payment Destination** | "PaymentDestination": { "PaymentMethod": "AlternativePaymentMethods", "PaymentMethodData": { "DestinationIdentifier": "5169217010233423" } }, |
| **Test Indicator** (required in Sandbox Environment only) | "isTest": true |

NOTE: Use 5169217010233423 for testing withdrawals.

**Sample Withdrawal Request**

```json
{
  "TransactionType": "ORIGINALCREDIT",
  "Currency": "EUR",
  "Amount": "10",
  "OrderReference": "test",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "FailRedirectionURL": "https://www.yourURLhere.com/FailedRedirect/",
  "UniqueReference": "3a9f50f7-2deb-4dbf-a186-d58641s36665",
  "Language": "en",
  "Client": {
    "Email": "Joachim.Dzik1@notrealserver.com",
    "ClientAccount": "CliAcc01002",
    "FirstName": "Joachim",
    "LastName": "Dzik",
    "Country": "POL",
    "MobileNo": "48783330600",
    "Street": "ul. Wolfkego",
    "City": "Warszawa",
    "ZIPCode": "01-494",
    "State": "CA",
    "DateOfBirth": "1990-12-31",
    "IPAddress": "127.0.0.1"
  },
  "Routing": {
    "ForcePayment": "CONNPAY"
  },
  "PaymentDestination": {
    "PaymentMethod": "AlternativePaymentMethods",
    "PaymentMethodData": {
      "DestinationIdentifier": "5169217010233423"
    }
  },
  "IsTest": true
}
```

Withdrawal SEPA - Additional attributes to process Open Banking via CNP

Refer to our API Reference Document [here](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page) to create a server-to-server call, use the below mandatory attributes to process a withdrawal.

| Description | Direct Connect |
| --- | --- |
| **Force Transaction Routing** | "Routing":{ "ForcePayment": "CONNPAY" }, |
| **Client Information** | "Client": { "Email": "[Joachim.Dzik1@notrealserver.com](mailto:Joachim.Dzik1@notrealserver.com)", "ClientAccount": "CliAcc01002", "FirstName": "Joachim", "LastName": "Dzik", "Country": "POL", "DateOfBirth": "1990-12-31", "IPAddress": "127.0.0.1" } |
| **Payment Destination** | "PaymentDestination": { "PaymentMethod": "AlternativePaymentMethods", "PaymentMethodData": { "BeneficiaryAccountNumber": "999999990001", "BankCode": "UBPHPHMMXXX" } |
| **Test Indicator** (required in Sandbox Environment only) | "isTest": true |

**Sample Withdrawal Request**

```json
{
  "TransactionType": "ORIGINALCREDIT",
  "Currency": "EUR",
  "Amount": "10",
  "OrderReference": "test",
  "RedirectionURL": "https://api.dev.apspglobal.com/technicalsupporttool-fe/Redirect/",
  "CallBackURL": "https://api.dev.apspglobal.com/technicalsupporttool-fe/Listener",
  "FailRedirectionURL": "https://api.dev.apspglobal.com/technicalsupporttool-fe/Redirect/",
  "Language": "en",
  "Client": {
    "Email": "Joachim.Dzik1@notrealserver.com",
    "ClientAccount": "CliAcc01002",
    "FirstName": "Gjegoj",
    "LastName": "Bjenshichkevich",
    "Country": "POL",
    "MobileNo": "48784788675",
    "Street": "ul. Wolfkego",
    "City": "Warszawa",
    "ZIPCode": "01-494",
    "State": "CA",
    "DateOfBirth": "1990-12-31",
    "IPAddress": "127.0.0.1"
  },
  "Routing": {
    "ForcePayment": "CONNPAY"
  },
  "PaymentDestination": {
    "PaymentMethod": "AlternativePaymentMethods",
    "PaymentMethodData": {
      "BeneficiaryAccountNumber": "999999990001",
      "BankCode": "UBPHPHMMXXX"
    }
  },
  "IsTest": "True",
  "Configuration": {
    "Profile": "showandedit"
  }
}
```