A2A Payment

The A2A payment option demonstrates how EGW utilizes the PSD2-compliant payment initiation flow through a connected ASPSP (bank). This method enables direct payment from a customer’s bank account using a strong customer authentication process.

In sandbox mode, this flow is fully simulated using a predefined test ASPSP configured for demonstration purposes.

How-to

To try A2A payments in sandbox:

1. Open the Demo Shop - Navigate to “Demo Shop” in the left-hand menu of the Merchant Portal.

2. Select a Product - Choose an item and add it to the basket.

3. Proceed to Checkout -Click “Checkout” to open the EGW Hosted Checkout Page.

4. Choose “Bank Account” - From the available payment options, select “Bank Account” to initiate an A2A payment.

5. Select the Test ASPSP - You will be shown predefined one test ASPSP (bank) and region. Select it and continue.

6. Redirect to ASPSP Simulation Page - You will be redirected to the one of real ASPSP sandbox portal.

7. Login & Sandbox Selection

   • Choose “Sandbox” as the login environment.

   • Proceed with the simulated authentication process (decoupled SCA via Smart ID).

8. Consent: Access to Account - A screen will appear asking you to confirm access to account information.

   • Select “Smart-ID” as the authentication method. (decoupled SCA).

   • Press “Confirm”.

9. Wait for Redirect - After confirmation, wait 2–4 seconds to be redirected back to the checkout page.

10. Choose Account to Pay From - Back on the checkout page, select the test account you wish to pay from.

11. Redirect to Confirm Payment (Consent Page) - You will be taken back to the ASPSP page for final consent.

    • Press “Confirm” to authorize the payment. (authorization done via Smart ID as a decoupled SCA)

12. Final Redirect - After another 2–4 second wait, you’ll return to the confirmation screen indicating a successful simulated payment.

• Only one ASPSP (test bank) is available.

• Payment consent, account selection, and authentication are fully simulated.

• No real funds are transferred.

• This flow is ideal for understanding customer journey and redirection handling.

Supported SCA Methods (in Production)

Different banks may support different SCA mechanisms. The most common methods include:

• Smart-ID - Common in Baltic countries — app-based authentication with PIN entry

• Mobile ID - SIM-based authentication tied to the user’s phone number

• Biometrics - Fingerprint or facial recognition via banking apps

• SMS + OTP - Code sent via SMS, often combined with a password or PIN

• App-based Push Notification - Confirm the transaction via a secure banking app