Walldo Pay

To consent to this transaction check the details below. When you continue we will securely re-direct you to your bank where you will be asked to confirm the payment.

Payment total: £8.70

Payee

  • Payee name: Bill’s Coffee Shop
  • Sort code: 55-66-77
  • Account number: 99998888
  • Payment ref: Bill's Coffee Shop

📱In your app

Displaying the Consent Screen

As a PISP, before you are able to initiate this payment, you will need to clearly inform the user that by clicking “Continue”, they will be giving consent for Walldo Pay to execute a one-off payment from the user’s bank account on their behalf.

Behind the scenes

Now that you have the amount and the user’s choice of bank for the payment, once the user selects “Confirm”, along with the Bill’s Coffee Shop account details:

  • Sort Code: 55-66-77
  • Account number: 99998888

You can execute POST /payment-auth-requests. Specify application-user-id to link your unique identifier for the user to the payment and a callback url for the coupled flow:

Request Body: 


{
   "applicationUserId": "wal-38509384845905",
   "institutionId": "monzo_ob",
   "callback": "https://app.walldo.com/callback",
   "paymentRequest": {
      "type": "DOMESTIC_PAYMENT",
      "paymentIdempotencyId": "1d54cf71bfe44b1b8e67247aed455d52",
      "reference": "Bills Coffee Shop",
      "amount": {
         "amount": "8.70",
         "currency": "GBP"
      },
      "payee": {
         "name": "Bills Coffee Shop",
         "accountIdentifications": [
            {
               "type": "ACCOUNT_NUMBER",
               "identification": "99998888"
            },
            {
               "type": "SORT_CODE",
               "identification": "556677"
            }
         ],
         "address": {
            "country": "GB"
         }
      },
      "payer": {
         "name": "Shirley Simmons",
         "accountIdentifications": [
            {
               "type": "ACCOUNT_NUMBER",
               "identification": "12345678"
            },
            {
               "type": "SORT_CODE",
               "identification": "040004"
            }
         ]
      }
   }
}

A successful request will give you an authorisationUrl. Use this url to redirect Shirley to Monzo in order to authorise the payment to Bill’s Coffee Shop: 


{
   "meta": {
      "tracingId": "cdf78e1f94dfee3187e2b8085d970c15"
   },
   "data": {
      "id": "f000f593-3575-476b-a16b-f1ff4856acc7",
      "userUuid": "cf10ff85-f6a9-4374-b9f8-292d6afaa677",
      "applicationUserId": "wal-38509384845905",
      "institutionId": "monzo_ob",
      "status": "AWAITING_AUTHORIZATION",
      "createdAt": "2020-05-28T17:35:28.999Z",
      "featureScope": [
         "EXISTING_PAYMENTS_DETAILS",
         "EXISTING_PAYMENT_INITIATION_DETAILS",
         "CREATE_DOMESTIC_SINGLE_PAYMENT"
      ],
      "state": "691cd81d579247aeb541b170921d4470",
      "authorisationUrl": "https://verify.monzo.com/open-banking/authorize?client_id=oauth2client_00009pp1CRt4KarIZM7Pr1&response_type=code+id_token&state=5a85bf13c6134a859c25e1cf41e71d47&nonce=5a85bf13c6134a859c25e1cf41e71d47&scope=openid+payments&redirect_uri=https%3A%2F%2Fauth.yapily.com%2F&request=eyJraWQiOiJPNWp3ZXpxTlNzeVlacHotZHpfVUhEbkJINHciLCJhbGciOiJQUzI1NiJ9.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.tStLEhGuEFrPSUPvTe9MWTK6y5Ks_L0Wo7_N_C_NXj7BfU27xG7H6pGuQpprkz7gaIHKRy7br-DQN7xiGHXxSivo6FW_Q22Wq6Btrr7D1WkUpOs6YnET-oX_8kW_9xsVsvVW0BubAHJV5PCzhkfQhl_PzUIcKCj8wD-tEkzPDR8xPvgyV_3bcJjs6GsWYt-VNwY-IhkN8yS6dIUzVDGliC5RSuYZ6kTseSJ3N_HDl8VOWD9V7ciYLwqZlbIQ7v5kMpgMCxTZywgR5ZknT9EeTggiH2lCdhnrmzdhSY9qqXuOZALD1qPnGc8ykAnQHds8fI9HPTiypg1J-4G6FlFGVg",
      "qrCodeUrl": "https://images.yapily.com/image/cf228468-7834-4a71-b7a8-cf8d52540ce8/1605631939?size=0"
   }
}