Brankas Support

Direct

Are merchants able to know the drop-off reasons if and when payment fails?

Direct has a comprehensive and evolving status list. Merchants are able to create transaction funnels based on these statuses and analyse conversions.
Are the end user credentials safe with Brankas Direct?

User credentials or TFA/OTP of transactions are not saved and stored during the payment process.
Brankas manages payment processing. How do we ensure that funds are transferred real time?

Brankas no longer utilises this feature.
Can a transaction be refunded or reversed?

Refunds, reversals or retraction of transactions are currently unavailable on Direct.
Can Brankas Tap / Payment pages open on a webpage instead of an app

Brankas Tap is built to open as a webview inside your application. For a seamless experience, it does not open a new browser.
Can I add multiple destination bank accounts?

Yes, Direct allows you to add multiple destination accounts. You can do it via Brankas Dashboard > Settings > Direct tab.
Can I customize Direct payment pages to fit my company’s branding?

Reach out to our team at support@brank.as to request for customization.
Can the user opt not to store the credentials while binding their account using Remember Me feature?

During account binding with Remember Me feature, the credentials are being hashed and stored in the end user’s device’s cookie storage. If the end user is not willing for their credentials to be stored using Remember Me feature, then during login form they can choose not to tick the Remember me on this device button.
Can we integrate with Direct’s API to host on our payment pages without Brankas Tap?

Currently, Direct’s API requires Brankas Tap to process payments. Brankas Tap authenticates and transfers logic of our bank partners.
Do end users have to log in for every transaction?

For security reasons, end users are required to log in for every transaction. However, Direct has a feature called “Remember me” that allows users to authorize Direct to hash and store their login credentials on the user’s device level. For the subsequent transactions, users can bypass the login credentials altogether and proceed to authorizing transfers. Removing the steps/frictions in transacting.
Do I need to set up agreements with the source banks to list them as payment options?

You don’t need to set up anything with the source banks to receive funds. You are only required to set up one destination bank account to start collecting funds from various banks that Direct has enabled as payment options, as long as the bank is within the same country of operations.
Do merchants have to specify the source bank for the end customers?

Users can select a source bank from the bank selector page on our payment page, multiple banks are listed as options to choose from.
Do you store the end user’s bank credentials? Can you pass on the end user’s bank account information to my system?

Due to compliance, Brankas Direct does not store end users bank credentials on our system.
Does Brankas Direct send a callback of each transaction? How to set it up?

Does Brankas Direct send a callback of each transaction? How to set it up?
Does Direct also provide an interface to initiate checkout?

Brankas Direct provides merchants with a single API for checkout. User Interface of checkout requires merchants to utilise their app UI. End users can select to checkout and then trigger a checkout API call to Brankas Direct.
How do I get started on the Brankas Direct? What is the process time required to have Direct service live?

Create an account in https://dashboard.brank.as/ (2 mins), Sandbox product discovery in Brankas Dashboard (1 hour), Development / Integration (~3 to 7 days), Go-live process (~3 to 7 days)
How do I go-live?

Log in, Select go live, complete KYC process, send a request to go-live to support@brank.as
How do I trace and reconcile transactions?

You can view Direct Transaction History in the Brankas Dashboard by clicking on the Direct menu on the left. Apply filters to easily find transactions. We also provide End of Day (EOD) transaction reports that you can retrieve at T+1 and onwards.
How do I waive or minimize interbank transaction fees imposed by banks?

You can waive the interbank fees by creating an account in every bank enabling intrabank transfers where there will be no fees imposed.
How does Brankas and the bank charge transfer fees?

Banks charge end users with interbank fees upon successful transactions. Destination banks charge interbank fees to the source banks. You can waive the interbank fees by creating an account in every bank enabling intrabank transfers where there will be no fees imposed.
How does Brankas routes funds and what are the bank transfer fees when as an example, HSBC is set as the destination account?

Banks charge end users the interbank fee upon successful transactions.
How to complete a transaction with Brankas Direct?

Brankas Direct allows your end users to complete transactions securely and easily via APIs. To complete transactions with Brankas Direct, simply follow these 5 steps:
Is there an option for end users to select the payment rails (InstaPay or PESONet)? How do customers transact above the transfer limit?

The use of interbank rails are limited by banks based on specific transfer requirements.
What are the main features and benefits of integrating with Brankas Direct?

Secured, instant settlement, one integration, less-prone to human errors, lower fees, one destination, one cohesive flow
What are the rails used for interbank fund transfers and how does interbank fund transfer work?

Direct utilizes Instapay rail for interbank fund transfer In The Philippines.
What are the ways we can integrate with Direct?

A client may integrate with Brankas Direct or via our Brankas Identity Provider (IdP).
What is a Consent Page? Why does Brankas need the user’s consent

Brankas Direct is a Payment Initiation service and we abide by the local and international financial regulations to process a transaction.
What is the customer journey after a successful transfer?

After completing the transaction, the end users are redirected to the client’s mobile application after a standard one (1) minute. The end users may also opt to click on “Done” to be redirected back to the mobile application immediately.
What is the customer journey after an error/failed transaction?

After a transaction hits an error or failed state, the end users are redirected to the client’s mobile application after a standard one (1) minute. The end users may also opt to click on “Done” to be redirected back to the mobile application immediately.
When and why should we opt for a Brankas settlement partner?

For financial institutions that are not currently on the Instapay or PESONet network, Brankas Direct can facilitate moving funds to such institutions via our settlement partners.
Why do transactions fail?

There are various reasons why transactions fail such as banks undergoing maintenance, users entering wrong credentials/OTP, or high traffic rates. Reach out to our team at support@brank.as for assistance.
Why is there no “Forgot Password” feature on the payment login page?

Brankas Direct facilitates the fund transfer process only. Any other bank related services such as password reset or completing account information are not available on Direct. We advise end users to perform these activities in the corresponding bank portals.
Will the end user's account balance be reflected during the payment flow

Yes, account balance will be reflected only after end users have logged in to their accounts.

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