Pay-by-link (Czech Republic)

dpay.pl enables direct integration with banks in the Czech Republic using the white-label method (Pay-by-Link). The customer is redirected directly to the selected bank, without an intermediary gateway page.

Supported banks

Bank	Channel ID	Currency
Ceska sporitelna	332	CZK
mBank (CZ)	333	CZK
Komercni banka	336	CZK
Raiffeisenbank (CZ)	337	CZK
Moneta Money Bank	340	CZK
Fio Banka	343	CZK
CSOB	346	CZK
UniCredit Bank (CZ)	349	CZK

Endpoint

Use the standard payment registration endpoint:

POST https://api-payments.dpay.pl/api/v1_0/payments/register
Content-Type: application/json

Request parameters

All fields are required:

Field	Type	Description	Example
transactionType	string	Transaction type	"transfers"
service	string	Service name from the panel	"abc123"
value	string	Transaction amount	"499.00"
currency_code	string	Currency code	"CZK"
channel	string	Payment channel ID (bank)	"332"
url_success	string	URL after successful payment	"https://myshop.com/success"
url_fail	string	URL after failed payment	"https://myshop.com/error"
url_ipn	string	URL for IPN notifications	"https://myshop.com/api/ipn"
checksum	string	SHA-256 checksum	(see below)

The channel field is required

For white-label integration, the channel field is mandatory. Without it, the system will not know which bank to redirect the customer to.

Generating the checksum

The checksum is generated identically to a standard payment:

sha256({service}|{SecretHash}|{value}|{url_success}|{url_fail}|{url_ipn})

Request example

cURL

curl -X POST https://api-payments.dpay.pl/api/v1_0/payments/register \
  -H "Content-Type: application/json" \
  -d '{
    "transactionType": "transfers",
    "service": "abc123",
    "value": "499.00",
    "currency_code": "CZK",
    "channel": "332",
    "url_success": "https://myshop.com/success",
    "url_fail": "https://myshop.com/error",
    "url_ipn": "https://myshop.com/api/ipn",
    "checksum": "e3b0c44298fc1c149afb..."
  }'

PHP

<?php
$service = getenv('DPAY_SERVICE');
$secretHash = getenv('DPAY_SECRET_HASH');

$value = '499.00';
$currencyCode = 'CZK';
$channel = '332'; // Ceska sporitelna
$urlSuccess = 'https://myshop.com/success';
$urlFail = 'https://myshop.com/error';
$urlIpn = 'https://myshop.com/api/ipn';

$checksum = hash('sha256',
    $service . '|' . $secretHash . '|' . $value . '|' .
    $urlSuccess . '|' . $urlFail . '|' . $urlIpn
);

$payload = json_encode([
    'transactionType' => 'transfers',
    'service'         => $service,
    'value'           => $value,
    'currency_code'   => $currencyCode,
    'channel'         => $channel,
    'url_success'     => $urlSuccess,
    'url_fail'        => $urlFail,
    'url_ipn'         => $urlIpn,
    'checksum'        => $checksum,
]);

$ch = curl_init('https://api-payments.dpay.pl/api/v1_0/payments/register');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => $payload,
    CURLOPT_HTTPHEADER     => ['Content-Type: application/json'],
    CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

$result = json_decode($response, true);

if ($result['status'] === 'success') {
    header('Location: ' . $result['message']);
    exit;
}

API response

Success

{
  "status": "success",
  "message": "https://api-payments.dpay.pl/pay/redirect/abc-def-123",
  "transactionId": "abc-def-123-456"
}

After clicking the URL from message, the customer will be redirected directly to the selected bank.

IPN handling

IPN notifications work identically to standard payments. See IPN Handling for details.

Currency

For Czech banks, use the CZK currency. Using an incorrect currency will cause a transaction error.