Bank Transfers and Direct Debit Payment Methods Guide

Therius supports a wide range of bank transfer and direct debit methods across the Americas, Europe, and beyond. Most are redirect-based and return status: "pending_action" with a redirect URL or QR code for the shopper to complete. Settlement timelines vary significantly by method — from near-instant (Pix) to several business days (ACH, Bacs). Use the method-specific notes below to set accurate expectations with your shoppers.

Every request nests its payment-method-specific fields under a single paymentMethod object: { "type": "<code>", "<code>": { ...fields } }. paymentMethod is always required and explicit — there is no default. type is the only source of truth for which method is being charged; there is no separate top-level payment method field to keep in sync. See Alternative Payment Methods for the general shape.

Pix — `pix`

Pix is Brazil’s instant payment system and the country’s dominant payment method. The shopper receives a QR code or copy-paste key and completes payment through their banking app. Settlement is near-instant, 24/7. Currency: BRL. payerName, payerEmail, and shopper.document (the shopper’s CPF or CNPJ) are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "BRL", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "pix",
    "pix": {
      "payerName": "Ada Lovelace",
      "payerEmail": "ada@example.com"
    }
  },
  "shopper": {
    "document": { "type": "CPF", "number": "12345678909" }
  }
}

ACH — `ach`

ACH is the standard US bank-to-bank transfer network. Settlement takes 1–4 business days. Currency: USD, United States. payerName, bankRoutingNumber (9-digit routing number), bankAccountNumber, and bankAccountType (checking or savings) are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "USD", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "ach",
    "ach": {
      "payerName": "Ada Lovelace",
      "bankRoutingNumber": "021000021",
      "bankAccountNumber": "000123456789",
      "bankAccountType": "checking"
    }
  }
}

ACH also supports tokenization — set ach.tokenize: true and include shopper.id in your request to save the bank account for future use without requiring the shopper to re-enter their details:

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-002",
  "amount": { "currency": "USD", "value": 5000, "exponent": 2 },
  "shopper": { "id": "customer-42" },
  "paymentMethod": {
    "type": "ach",
    "ach": {
      "payerName": "Ada Lovelace",
      "bankRoutingNumber": "021000021",
      "bankAccountNumber": "000123456789",
      "bankAccountType": "checking",
      "tokenize": true
    }
  }
}

To reuse a previously vaulted bank account instead of raw fields, pass a flat token in place of the bank fields:

{
  "paymentMethod": {
    "type": "ach",
    "ach": { "token": "vt_4xK9mNpQ2rLsT7uV" }
  }
}

SEPA Direct Debit — `sepa_debit`

SEPA Direct Debit covers the Eurozone plus the UK, Switzerland, and Norway. The shopper authorizes a mandate, and funds are pulled from their account. Settlement typically takes 2–5 business days. Currency: EUR. payerName, iban, and payerEmail are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "EUR", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "sepa_debit",
    "sepa_debit": {
      "payerName": "Ada Lovelace",
      "iban": "DE89370400440532013000",
      "payerEmail": "ada@example.com"
    }
  }
}

BECS Direct Debit — `au_becs_debit`

BECS is Australia’s Bulk Electronic Clearing System for direct debit. Currency: AUD, Australia. payerName, bankRoutingNumber (BSB number), bankAccountNumber, and payerEmail are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "AUD", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "au_becs_debit",
    "au_becs_debit": {
      "payerName": "Ada Lovelace",
      "bankRoutingNumber": "062000",
      "bankAccountNumber": "12345678",
      "payerEmail": "ada@example.com"
    }
  }
}

Bacs Direct Debit — `bacs_debit`

Bacs is the UK’s standard direct debit scheme. Settlement takes 3 business days. Currency: GBP, United Kingdom. payerName, bankRoutingNumber (sort code), bankAccountNumber (8 digits), and payerEmail are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "GBP", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "bacs_debit",
    "bacs_debit": {
      "payerName": "Ada Lovelace",
      "bankRoutingNumber": "08-99-99",
      "bankAccountNumber": "00012345",
      "payerEmail": "ada@example.com"
    }
  }
}

iDEAL — `ideal`

iDEAL is the single most-used payment method in the Netherlands, covering over 60% of Dutch online transactions. The shopper is redirected to their own bank’s online banking environment to approve payment. Settlement is same-day. Currency: EUR, Netherlands. payerName and payerEmail are required. returnUrl/cancelUrl are optional — Therius defaults them to its own hosted return page if omitted, but set your own so the shopper lands back on your site.

iDEAL also supports an optional bank-selector step before the shopper leaves your page — see POST /payment/bank-options. Skip it and Adyen shows its own hosted bank picker instead.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "EUR", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "ideal",
    "ideal": {
      "payerName": "Ada Lovelace",
      "payerEmail": "ada@example.com",
      "returnUrl": "https://yoursite.com/checkout/return",
      "cancelUrl": "https://yoursite.com/checkout/cancel"
    }
  }
}

Bancontact — `bancontact`

Bancontact is Belgium’s most popular online payment method, used by nearly all Belgian cardholders. It is redirect-based. Currency: EUR, Belgium. payerName and payerEmail are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "EUR", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "bancontact",
    "bancontact": {
      "payerName": "Ada Lovelace",
      "payerEmail": "ada@example.com"
    }
  }
}

Przelewy24 — `p24`

Przelewy24 (P24) is Poland’s leading online bank transfer aggregator, connecting over 165 Polish banks. Currencies: PLN, EUR. payerName and payerEmail are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "PLN", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "p24",
    "p24": {
      "payerName": "Ada Lovelace",
      "payerEmail": "ada@example.com"
    }
  }
}

EPS — `eps`

EPS (Electronic Payment Standard) is Austria’s national online bank transfer scheme. Currency: EUR, Austria. payerName and payerEmail are required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "EUR", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "eps",
    "eps": {
      "payerName": "Ada Lovelace",
      "payerEmail": "ada@example.com"
    }
  }
}

Multibanco — `multibanco`

Multibanco is Portugal’s bank payment network. Rather than a redirect, the shopper receives a reference number and entity code to enter at any Multibanco ATM or via their bank’s online portal. The response resolves via the multibanco_voucher action type. Currency: EUR, Portugal. No fields are required beyond type. returnUrl is optional and auto-defaulted if omitted.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "EUR", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "multibanco",
    "multibanco": {
      "returnUrl": "https://yoursite.com/checkout/return"
    }
  }
}

BLIK — `blik`

BLIK is Poland’s mobile payment standard, used directly within banking apps. The shopper generates a 6-digit one-time code and enters it at checkout. Currency: PLN, Poland. code (the 6-digit BLIK code) is required.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "PLN", "value": 5000, "exponent": 2 },
  "paymentMethod": {
    "type": "blik",
    "blik": { "code": "777123" }
  }
}

PSE — `pse`

PSE (Pagos Seguros en Línea) is Colombia’s primary online bank transfer method. The shopper is redirected to their bank to authorize the transfer. Currency: COP, Colombia. payerName, issuerId (the bank code), and shopper.document (the shopper’s Colombian document type and number, e.g. CC) are required.

PSE requires the shopper’s bank to be chosen before you call this endpoint — see POST /payment/bank-options for how to fetch the bank list and lock the resulting connectionId.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "COP", "value": 500000, "exponent": 2 },
  "connectionId": "<connectionId from /payment/bank-options>",
  "paymentMethod": {
    "type": "pse",
    "pse": {
      "payerName": "Ada Lovelace",
      "issuerId": "1007"
    }
  },
  "shopper": {
    "document": { "type": "CC", "number": "1234567890" }
  }
}

SPEI — `spei`

SPEI is Mexico’s real-time interbank transfer system. The shopper receives a CLABE reference number to complete the transfer from their bank. Settlement is typically same-day. Currency: MXN, Mexico.

In the Checkout Widget, when the provider returns a reference page, SPEI opens it in a popup and the widget ends on its pending screen; onActionComplete fires with status: "pending" and pendingKind: "offline". If the browser blocks the popup, an “Open voucher” button is shown. The payment is confirmed later through the webhook. SPEI payments cannot be refunded through Therius; return the funds out of band.

payerEmail is required — SPEI transfer details are sent to it.

{
  "merchantCode": "MERCHANT_001",
  "orderCode": "ORDER-001",
  "amount": { "currency": "MXN", "value": 10000, "exponent": 2 },
  "paymentMethod": {
    "type": "spei",
    "spei": { "payerEmail": "ada@example.com" }
  }
}

Field requirements above are enforced server-side and come from paymentMethodFieldSpecs in therius-public-api/handlers_payment.go, verified individually against each method’s actual gateway adapter — not just documented, checked. A request missing a required field returns 400 naming exactly which field is missing.

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Bank Transfers and Direct Debit Payment Methods Guide

Pix — `pix`

ACH — `ach`

SEPA Direct Debit — `sepa_debit`

BECS Direct Debit — `au_becs_debit`

Bacs Direct Debit — `bacs_debit`

iDEAL — `ideal`

Bancontact — `bancontact`

Przelewy24 — `p24`

EPS — `eps`

Multibanco — `multibanco`

BLIK — `blik`

PSE — `pse`

SPEI — `spei`

​Pix — pix

​ACH — ach

​SEPA Direct Debit — sepa_debit

​BECS Direct Debit — au_becs_debit

​Bacs Direct Debit — bacs_debit

​iDEAL — ideal

​Bancontact — bancontact

​Przelewy24 — p24

​EPS — eps

​Multibanco — multibanco

​BLIK — blik

​PSE — pse

​SPEI — spei

Pix — `pix`

ACH — `ach`

SEPA Direct Debit — `sepa_debit`

BECS Direct Debit — `au_becs_debit`

Bacs Direct Debit — `bacs_debit`

iDEAL — `ideal`

Bancontact — `bancontact`

Przelewy24 — `p24`

EPS — `eps`

Multibanco — `multibanco`

BLIK — `blik`

PSE — `pse`

SPEI — `spei`