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Rocka supports two ways to accept open banking payments:
  1. Hosted checkout: use Rocka’s hosted payment page to show customers the available banks for their country.
  2. Direct bank payments: show your own bank buttons and send customers directly to their selected bank using Rocka’s API methods.
Before you start, get your API keys (see Get your API keys). You can build and test your integration in the sandbox before your merchant account is approved. To accept real payments, complete your onboarding in Rocka Hub.

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Choose your payment flow

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Hosted checkout

Use hosted checkout if you want Rocka to show the available banks to your customer. With hosted checkout, you add Rocka’s payment button to your website or checkout page. When the customer clicks it, they open Rocka’s hosted payment page, choose their bank, and complete the payment through their banking app or online banking.
Overview Payment
Hosted checkout is best if:
  • you want the fastest way to start accepting open banking payments;
  • you serve customers in several countries;
  • you want Rocka to manage the bank selection page for you;
  • you do not need to build a custom bank selection interface.
To integrate hosted checkout, create a payment using the POST /payments endpoint. You can include the customer’s IP address in the request so Rocka can show the relevant country’s bank list by default. Integrate hosted checkout →

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Direct bank payments

Pay With Ing Use direct bank payments if you want to show your own bank buttons in your checkout. With direct bank payments, you choose which banks to show on your website. When the customer clicks a bank button, Rocka sends them directly to that bank’s payment form. This can skip Rocka’s hosted bank selection page. Direct bank payments are best if:
  • you want full control over the checkout experience;
  • you want to show specific banks or payment methods;
  • you want to optimise checkout for specific countries;
  • you want to make checkout faster for returning customers.
To integrate direct bank payments, create a payment using the POST /payments endpoint and include the iban parameter for the selected bank. Integrate direct bank payments →

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What happens after the customer pays

After the customer confirms the payment with their bank, Rocka sends you a callback with the payment status. You can use those callbacks to update the payment in your system and show the correct status to the customer. For more details on callbacks, see Callbacks. By default, payments are confirmed when your bank sends Rocka a callback verifying that the funds were deposited into your account. You can enable trusted payments for returning customers. In this case, the payment will be confirmed once the customer’s bank sends a callback confirming that a transaction has been sent out of their account. For more details, see Enable trusted payments.
Last modified on June 12, 2026