To handle PayTo via the API directly, follow our quick start guide on direct API integrations, or use the steps below.

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Create a transactions

To create a PayTo transaction, set the method to payto and the redirect_url to the endpoint of your application that can handle the customer returning once they’ve completed approving the transaction on payto.wpay.io. See the POST /transactions API endpoint for more details. 
var transaction = await _client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "AUD",
        Country = "AU",
        Intent = "capture",
        PaymentMethod =
            TransactionCreatePaymentMethod.CreateCheckoutSessionWithUrlPaymentMethodCreate(
                new RedirectPaymentMethodCreate()
                {
                    Method = "payto",
                    RedirectUrl = "https://example.com/callback",
                }
            ),
    }
);
Please note that, when using PayTo, the intent must be set to capture.
If successful, the response of this transaction will include a status set to buyer_approval_pending as well as a payment_method.approval_url. 
{
    "type": "transaction",
    "id": "0c41c8df-27f4-480e-97f0-9401558ae25e",
    "status": "buyer_approval_pending",
    "intent": "capture",
    "payment_method": {
        "type": "payment-method",
        "method": "payto",
        "mode": "redirect",
        "approval_url": "https://payto.wpay.io?sessionId=08c9b322-4da5-4a6b-8826-2dff20927990",
       ...
    },
    "method": "payto",
    ...
}

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Handle redirect to PayTo

Your application will need to redirect your customer to Wpay where they will be required to set up the PayTo instrument and approve the payment. To do so, redirect the customer to the payment_method.approval_url. After they’ve authenticated themselves, the customer will be redirected back to the redirect_url that you set when creating the transaction.

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Handle the return to your app

When the customer is redirected back to your app, the transaction status is not known. Your application will therefore need to call our API to get the latest transaction status. To do this, your redirect_url will be appended with the transaction_id. 
[redirect_url]?transaction_id=2f37e0d0-5549-42c4-9c5c-e03d5fa97148&transaction_status=capture_succeeded
Although we also provide the transaction_status in this callback, it’s recommended to also fetch the latest status via the API, as the status may have changed since.
After you’ve handled the redirect, you can display a message to your customer letting them know the result of the transaction.

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Fetch the latest status

Finally, after the transaction has been created your application can get the latest details and status using the transaction ID received via the callback to the redirect URL, or on direct callback from the API. 
curl -i -X GET "https://api.example.gr4vy.app/transactions/fe26475d-ec3e-4884-9553-f7356683f7f9" \
    -H "Authorization: Bearer [JWT_TOKEN]"
The transaction includes details about the payment method used and the status of the transaction. 
{
  "type": "transaction",
  "id": "fe26475d-ec3e-4884-9553-f7356683f7f9",
  "status": "capture_succeeded",
  "amount": 1299,
  "currency": "AUD",
  "payment_method": {
    "type": "payment-method",
    "id": "77a76f7e-d2de-4bbc-ada9-d6a0015e6bd5",
    "method": "payto",
    ...
  },
  ...
}
Visit the API reference documentation for full details about the transaction resource, and any other API.

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Webhooks

In order to receive timely updates regarding the status of your PayTo transactions please set up a PayTo webhook URL. In the PayTo Merchant Dashboard create a webhook with that URL. Once set up you will be given a webhook ID by PayTo, provide this back to the team.

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About tokenization

You can pass the store=true parameter to each request to vault a PayTo agreement for future use. Once stored, you can use the vaulted PayTo instrument for future transactions.

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Store a payment method

To create a PayTo instrument without paying and save it in the customer’s wallet for future use, set the method to payto and the redirect_url to the endpoint of your application that can handle the customer returning once they’ve completed setting up PayTo. Please note that when using PayTo intent must be set to capture as delayed capture is not supported by PayTo. See the POST /payment-methods API endpoint for more details. 
curl -i -X POST "https://api.example.gr4vy.app/payment-methods" \
   -H "Authorization: Bearer [JWT_TOKEN]" \
   -d '{
  "method": "payto",
  "redirect_url": "https://example.com/return-url",
  "country": "AU",
  "currency": "AUD"
  ...
}'
If successful, the response of this payment method will include a status set to buyer_approval_pending as well as a payment_method.approval_url. 
{
    "type": "payment-method",
    "id": "ad268be4-c4d3-4cde-9eac-8d0d7aa37018",
    "status": "buyer_approval_required",
    "method": "payto",
    "type": "payment-method",
    "mode": "redirect",
    "approval_url": "https://payto.wpay.io?sessionId=7f156bd2-b65a-4f74-8d5b-41c4e090cc81",
    ...
}

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Redirect to Wpay

Your application will need to redirect your customer to Wpay where they will be required to set up and authorize the PayTo agreement. To do so, redirect the customer to the approval_url. After they’ve completed the required steps, the customer will be redirected back to the redirect_url that you set when creating the payment method.

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Handle the return to your app

When the customer is redirected back to your app, depending on your checkout customer experience your application might need to call our API to get the latest list of payment methods for the customer. To do this, see the GET /payment-methods API endpoint for more details. 
curl -i -X GET "https://api.{gr4vy_id}.gr4vy.app/buyers/payment-methods" \
    -H "Authorization: Bearer [JWT_TOKEN]"
The response will list all the customer’s saved payment methods along with their details. 
{
  "items": [
    {
      "type": "payment-method",
      "id": "77a76f7e-d2de-4bbc-ada9-d6a0015e6bd5",
      "label": "0424 343 247",
      "method": "payto",
      "mode": "redirect",
      "currency": "AUD",
      "country": "AU",
      ...
    }
  ...
  ]
}