Pay-by-link (Slovakia)

dpay.pl enables direct integration with banks in Slovakia 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
Viamo	363	EUR
Postova banka	354	EUR
Slovenska sporitelna	357	EUR
Tatra banka	360	EUR
ePlatby VUB	366	EUR

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	"19.99"
currency_code	string	Currency code	"EUR"
channel	string	Payment channel ID (bank)	"360"
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": "19.99",
    "currency_code": "EUR",
    "channel": "360",
    "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 = '19.99';
$currencyCode = 'EUR';
$channel = '360'; // Tatra banka
$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.

Building a bank selector

<h3>Choose your bank:</h3>
<div class="bank-selector">
  <button data-channel="354">Postova banka</button>
  <button data-channel="357">Slovenska sporitelna</button>
  <button data-channel="360">Tatra banka</button>
  <button data-channel="363">Viamo</button>
  <button data-channel="366">ePlatby VUB</button>
</div>

document.querySelectorAll('.bank-selector button').forEach(btn => {
  btn.addEventListener('click', async () => {
    const channel = btn.dataset.channel;
    const response = await fetch('/api/pay/bank', {
      method: 'POST',
      headers: { 'Content-Type': 'application/json' },
      body: JSON.stringify({ channel, currency_code: 'EUR' }),
    });
    const result = await response.json();
    if (result.status === 'success') {
      window.location.href = result.message;
    }
  });
});

IPN handling

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

Currency

For Slovak banks, use the EUR currency. Using an incorrect currency will cause a transaction error.