Introduction

The Money API™ allows for customers to make online payments directly from their bank account. This is made possible by AppBrilliance's patented technology that integrates into a checkout page and acts as a middleware layer between the user and their financial institution. The Money API™ will operate the user's bank account and make a direct account-to-account payment where funds are available in near real-time and provide confirmation back to the checkout page.

How It Works

The Money API™ is integrated directly into a checkout page via JavaScript. This is achieved by including a JavaScript file into the checkout page and specifying several parameters about a specific transaction. The software is first initialized then invoked through a "Checkout" function. Once the "Checkout" function is invoked, the Money API™ will inject an iframe into the page that will provide a user experience to facilitate the payment and remain present until the payment is completed, canceled by the user, or an error occurs. The outcome of a transaction will be returned to the various event handlers for the "Checkout" function and the iframe will be removed from the host page.

After a transaction completes, data related to the transaction will be available via the "Transactions API". This API provides a REST interface for server-to-server communication where data is returned in JSON format.

Basic Transaction Flow

The following illustrates the flow of a Money API™ transaction.