Skip to main content

Real-time payments

Real-time payment methods let customers authorize an account-to-account payment through their bank or a supported banking service. Payment confirmation is typically returned during the checkout session, although settlement and refund timing depend on the method.

These methods can provide a familiar local payment experience without requiring card details. Availability and behavior depend on the customer country, currency, checkout context, and your Cleverbridge account configuration. Review the individual method guide for the supported flow and open operational considerations.

Do all real-time payment methods use the same flow?​

No. Both documented methods send the customer to a bank-controlled environment, but they serve different markets and use method-specific bank-selection and authorization experiences.

MethodDocumented interactionImportant difference
Finnish Online BankingThe customer selects an available Finnish bank and authorizes the payment in that bank's online-banking interface.The checkout context uses Finland and EUR, and the available bank list can change.
iDEAL | WeroThe customer selects or opens their bank and approves the payment in a mobile-banking app or online-banking environment.It provides a familiar account-to-account payment flow for eligible customers, primarily in the Netherlands.

Shared payment lifecycle​

At a high level, an eligible real-time payment follows these stages:

Real-time payment lifecycle
  1. Cleverbridge displays a real-time payment method when it is configured and the checkout context is eligible.
  2. The customer selects the method.
  3. Cleverbridge opens the applicable bank-payment interface.
  4. The customer selects or opens their bank and completes the authentication requested by the bank.
  5. The bank returns the payment result.
  6. Cleverbridge processes the confirmation and displays the applicable order result or next step.
  7. After a confirmed payment, Cleverbridge provides the applicable confirmation, customer communication, and delivery information.

The method article is authoritative for the exact ordering of these stages. In this section, real-time describes the payment-confirmation experience; it does not by itself define settlement, delivery, or refund timing.

Customer instructions​

The articles in this section explain real-time payment behavior from the client's perspective. Each payment method links to its nested, shareable customer payment guide.

The PaidOrderNotification format does not change based on the real-time payment method used. Continue to use the standard notification fields and your configured notification processing.

Explore this section


Did you find this doc useful?