Pay-by-link (Czech Republic)

tip

Accepting this payment channel requires an additional agreement with the acquiring agent designated by dpay.pl.

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.

Looking for Slovak bank payments? See Pay-by-link (Slovakia).

POST/api/v1_0/payments/register→Full payment registration contract: parameters, checksum, and error codes.Full contract in the API Reference

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"
email	string	Customer email address	"customer@example.com"
client_name	string	Customer first name	"Jan"
client_surname	string	Customer surname	"Novak"
accept_tos	boolean	Confirmation that the customer has accepted the terms and conditions	true
url_success	string	URL after a successful payment	"https://myshop.example/success"
url_fail	string	URL after a failed payment	"https://myshop.example/failure"
url_ipn	string	URL for IPN notifications	"https://myshop.example/api/ipn"
checksum	string	SHA-256 checksum	(see below)

The channel field is required

For a white-label integration, the channel field is mandatory. Without it, the system will not know which bank to redirect the customer to. Providing channel also requires the email, client_name, client_surname, and accept_tos fields; omitting any of them results in a validation error (HTTP 422).

Generating the checksum

The checksum is generated in the same way as for 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",
    "email": "customer@example.com",
    "client_name": "Jan",
    "client_surname": "Novak",
    "accept_tos": true,
    "url_success": "https://myshop.example/success",
    "url_fail": "https://myshop.example/failure",
    "url_ipn": "https://myshop.example/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.example/success';
$urlFail = 'https://myshop.example/failure';
$urlIpn = 'https://myshop.example/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,
    'email'           => 'customer@example.com',
    'client_name'     => 'Jan',
    'client_surname'  => 'Novak',
    'accept_tos'      => true,
    '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 ($result['status'] === true && !$result['error']) {
    header('Location: ' . $result['msg']);
    exit;
}

API response

Success

{
  "error": false,
  "msg": "https://secure.dpay.pl/transfer@pay@abc-def-123-456",
  "status": true,
  "transactionId": "abc-def-123-456"
}

The status field is a boolean (true/false), while msg contains the URL to which you should redirect the customer. The customer will be taken directly to the selected bank.

IPN handling

IPN notifications work in the same way as for standard payments. See IPN handling for details.

Currency

Use the CZK currency for Czech banks. Using an incorrect currency results in a transaction error.