**Last updated**: 17 November 2025 | [**Change log**](/products/apms/changelog/)

# MyBank

MyBank is a real-time bank transfer with more than 200 participating Italian banks.

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

details
summary
Product overview
### Feature summary

| Payment type | Countries | Acceptance currencies | Recurring | Reversals | Partial reversals | Authorisation timescale* |
|  --- | --- | --- | --- | --- | --- | --- |
| Bank Transfer | Italy | EUR | ❌ | Refund - yesCancel- No | Partial refund - yesPartial cancel- No | 10 mins |


- Minimum amount for a single transaction value: 1,00 EUR
- Maximum amount for a single transaction value: 10.000 EUR


* The typical elapsed time between initiating the payment and the authorization. Some payments might take longer depending on shopper behavior and other factors.


## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay-bsh.securedataplatform.com/apmPayments`

### Example request

### Parameters

## Response

#### Successful request response

* an HTTP code 201
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a url to redirect your customer to the APM provider to complete the payment
* a link to query the payment status
* an object which will give flow information such as `method` (e.g. `mybank`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
  "paymentInstrument": {
    "method": "mybank",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTwt65ThzfHgki5llFFJw79PAaFT9PiiV:KsP+z2Cdr9o:XFrnd4GNEHV7yDuZt9Jyqf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6:fECFv5QSV33wfYDk9Ozs8d3Wb9inqLCfVwL0ZeHAEGBKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkD70cWvOUr9oNei3iC:3d01LAXFh93YDLZPKsCwdSzM1XGYn:we0+sdcIkh8SEpzehvzy6dbwC5YGJJfB7iuKbxA==",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTwt65ThzfHgki5llFFJw79PAaFT9PiiV:KsP+z2Cdr9o:XFrnd4GNEHV7yDuZt9Jyqf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6:fECFv5QSV33wfYDk9Ozs8d3Wb9inqLCfVwL0ZeHAEGBKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkD70cWvOUr9oNei3iC:3d01LAXFh93YDLZPKsCwdSzM1XGYn:we0+sdcIkh8SEpzehvzy6dbwC5YGJJfB7iuKbxA=="
    }
  },
  "_actions": {},
  "redirect": "http://secure-test.worldpay-bsh.securedataplatform.com/redirect?tokenId=785b62e4-cb14-4a0a-999b-b99b884595e7",
  "commandId": "cmdfjMn6H4jEDZ5ovwBaCgsu0"
}
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"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your MyBank payment](/products/apms/manage/)