revolut-pay-by-bank

name	revolut-pay-by-bank
description	Implements Pay by Bank (open banking) via the Revolut Merchant Web SDK. Activates when building bank transfer payments, open banking integrations, or when user mentions Pay by Bank, bank transfer, open banking, or account-to-account payments.
license	MIT
metadata	{"author":"lartisan"}

Pay by Bank Integration

When to Apply

Activate this skill when:

• Accepting bank transfer payments (account-to-account)
• Integrating open banking as a payment method
• Reducing card processing fees with direct bank debits
• User mentions: Pay by Bank, open banking, bank transfer, A2A payments

Documentation

Pay by Bank: https://developer.revolut.com/docs/sdks/merchant-web-sdk/pay-by-bank

Overview

Pay by Bank (open banking) lets customers authorise a direct bank debit through their banking app. No card details are needed, and settlement is typically faster than card payments.

Backend: Create Order

use Lartisan\Revolut\Facades\Revolut;

Route::post('/bank/order', function (Request $request) {
    $order = Revolut::createOrder([
        'amount'      => $request->integer('amount'),
        'currency'    => 'GBP',
        'description' => 'Bank payment',
        'redirect_url'        => route('checkout.success'),
        'cancel_redirect_url' => route('checkout.cancel'),
    ]);

    return response()->json(['public_id' => $order->public_id]);
});

Frontend: Pay by Bank Button

<div id="pay-by-bank"></div>

<script src="https://merchant.revolut.com/embed.js"></script>
<script>
async function mountPayByBank() {
    const res = await fetch('/bank/order', {
        method: 'POST',
        headers: {
            'Content-Type': 'application/json',
            'X-CSRF-TOKEN': document.querySelector('meta[name=csrf-token]').content,
        },
        body: JSON.stringify({ amount: 9999 }),
    });

    const { public_id } = await res.json();

    RevolutCheckout(public_id, 'sandbox').payByBank({
        target: document.getElementById('pay-by-bank'),
        onSuccess() {
            window.location.href = '/checkout/success';
        },
        onError(message) {
            console.error('Pay by Bank failed:', message);
        },
        onCancel() {
            console.log('Pay by Bank cancelled');
        },
    });
}

mountPayByBank();
</script>

Multi-Payment Method Checkout

<div id="pay-by-bank-btn"></div>
<hr>
<button id="card-btn" type="button">Pay by card instead</button>

<script src="https://merchant.revolut.com/embed.js"></script>
<script>
async function initCheckout() {
    const { public_id } = await fetch('/bank/order', { method: 'POST', ... })
        .then(r => r.json());

    const instance = RevolutCheckout(public_id, 'sandbox');
    const callbacks = {
        onSuccess: () => { window.location.href = '/success'; },
        onError: (msg) => { alert(msg); },
    };

    // Render Pay by Bank
    instance.payByBank({ target: document.getElementById('pay-by-bank-btn'), ...callbacks });

    // Fall back to card popup
    document.getElementById('card-btn').addEventListener('click', () => {
        instance.payWithPopup(callbacks);
    });
}

initCheckout();
</script>

Availability

Pay by Bank is available in supported markets only. Check the Revolut dashboard for your country's availability before implementing.

Webhook: Confirm Payment

Bank payments may take additional time to settle. Listen to the ORDER_COMPLETED event:

use Lartisan\Revolut\Events\OrderCompleted;

Event::listen(OrderCompleted::class, function (OrderCompleted $event) {
    $order = RevolutOrder::where('revolut_order_id', $event->getOrderId())->first();
    if ($order) {
        $order->update(['status' => 'paid']);
        // Notify customer
    }
});

Common Pitfalls

• Pay by Bank availability varies by country — check market support first
• Settlement time is longer than cards — don't fulfil instantly on onSuccess
• Always confirm via ORDER_COMPLETED webhook before fulfilling orders
• The bank selection UI may redirect users to their banking app briefly
• Pay by Bank is production-only — it is not available in the sandbox environment
• Hardcoding 'sandbox' in RevolutCheckout(public_id, 'sandbox') — pass the environment from your backend (see revolut-integration skill)