Qitero Qitero

BANCOMAT Pay (Italy)

Country: Italy (IT)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 65%

BANCOMAT Pay is Italy's national real-time mobile interbank payment network, connecting mobile phone numbers to Italian bank accounts.

🔄 User Payment Flow

  1. Customer selects BANCOMAT Pay at checkout and enters mobile phone number
  2. Customer receives push notification in Italian banking app
  3. Customer approves transaction via biometrics or PIN in banking app
  4. Italian bank clears payment instantly in real-time and merchant releases order

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API passes checkout request to acquirer (Adyen/Nexi)
  • PSP initializes BANCOMAT Pay authentication session
  • PSP receives clearing webhook notification and completes order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Adyen