**Last updated**: 13 March 2026 | [**Change log**](/access/products/apms/changelog/)

# BANCOMAT Pay

BANCOMAT Pay is an Italian bank‑transfer payment method that enables customers to make online purchases through a mobile app linked directly to their bank accounts. It is widely used across Italy by PagoBANCOMAT card holders.

Note
Make yourself familiar with our [API principles](/access/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
### Feature summary

| Payment type | Country | Acceptance currency | Reversals | Partial reversals | Auth and settlement (sale) | Disputes |
|  --- | --- | --- | --- | --- | --- | --- |
| Bank transfer | Italy | EUR | Refund - yesCancel - no | Partial refund - yesPartial cancel - no | ✅ | ✅ |


- Minimum transaction value: 0,50 EUR
- Maximum transaction value: 10.000 EUR


### Customer journey

Your customer enters their mobile number at checkout. They receive a payment request notification, open the BANCOMAT Pay app, and confirm the payment by PIN, fingerprint, or face recognition.

## Get started

Use our [API reference](/access/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example request

### Parameters

## Response

### Example response

Successful
{
  "redirect": "",
  "_actions": {
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "paymentId": "HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c",
  "lastEvent": "pending",
  "paymentInstrument": {
    "method": "bancomat",
    "type": "direct"
  },
  "commandId": "cmdjW0w-zEw4uQUp57KArz4t0"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
### Schema

#### Errors

Check out our API reference for [more responses or error codes](/access/products/apms/openapi/other/payment#other/payment/response&c=400).

## Simulation

Simulate payment outcomes and trigger webhooks in our Try environment by sending a request using magic values.

Add the magic values below in the `lastName` field under the `customer` object.

Upon sending a payment request, you receive the payment status `pending`. Query the payment to receive the desired payment status.

For the payment status `sentForSettlement` you can use the reversal link to refund a payment and receive the status `sentForRefund`.

| Magic value | Payment status | Description |
|  --- | --- | --- |
| AUTHORISED | `authorized` | Payment authorized successfully. |
| CAPTURED | `sentForSettlement` | Your customer’s payment is in the process of being settled. |
| CANCELLED | `cancelledByCustomer` | Unsuccessful payment - your customer has cancelled the payment in the BANCOMAT Pay app. |


Request in Try
### Response example

Simulated payment response
{
  "redirect": "",
  "_actions": {
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "paymentId": "HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c",
  "lastEvent": "pending",
  "paymentInstrument": {
    "method": "bancomat",
    "type": "direct"
  },
  "commandId": "cmdjW0w-zEw4uQUp57KArz4t0"
}
### Query response example

Simulated query response
{
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdEOYtwT8tpnHu5uZUBAwmlV6bro05iymKvc8mwzAawjsgJmpfYV6BqoQvWGjKw4hwIbpTF5034xXNaTeU5izgdLAAEog8r6PqjIHs0QgBXQ1SKjRYbFn:t5hDGc8WxOcDxjjIvOG7vlGKoers:AJo+t3RH541gRrY6dNFwXWTNitB0+FcMvY4WkV:uk3MTgY8D1AQ9CshhCD+rd5nvOJM8ZA4VJvAJkUGe7OxeQa4erANeVT8cyU:6upWDoCYfWD462QlklMxTqvJsXCKVSvIaioEihxKegEVcWk3m64WEvsr1eQ2YUmfwv3cJfatqSLQJMc9UKf5OZNyq:1QBVQLHQ=",
  "lastEvent": "authorized",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "_actions": {}
}
**Next steps**

[Manage your BANCOMAT Pay payment](/access/products/apms/manage/)