Select Payment Method

Select a payment method for a checkout session. Returns the payment details the customer needs to complete the transfer.

POST /v1/checkout/session/:sessionId/payment-method

Required permission: checkout

Authentication

Requires an API key. Origin/domain validation is enforced for public keys.

Path parameters

Parameter	Type	Description
sessionId	string	The checkout session ID

Request body

Parameter	Type	Required	Description
payment_method	string	Yes	"bank_transfer" or "payid"

Example request

curl -X POST https://api.zevpaycheckout.com/v1/checkout/session/ecc48011-e36e-4741-9b99-657f4a1ee86e/payment-method \
  -H "Content-Type: application/json" \
  -H "x-api-key: pk_test_your_public_key" \
  -d '{"payment_method": "bank_transfer"}'

Response: Bank Transfer

When payment_method is "bank_transfer", a temporary virtual account is created. Show the customer account_number, bank_name and account_name exactly as returned. ZevPay mints these accounts through partner banks and rotates partners over time, so the bank differs between sessions.

{
  "success": true,
  "data": {
    "payment_method": "bank_transfer",
    "account_number": "5000973258",
    "bank_name": "9 Payment Service Bank",
    "bank_code": "000036",
    "account_name": "Your Business Name",
    "amount": 500000,
    "expires_at": "2026-03-07T19:37:00.000Z",
    "banks": [
      { "provider": "psb9", "bank_name": "9 Payment Service Bank", "bank_code": "000036", "current": true },
      { "provider": "palmpay", "bank_name": "PalmPay", "bank_code": "100039", "current": false }
    ]
  }
}

Field	Type	Description
payment_method	string	Always "bank_transfer"
account_number	string	Virtual account number for the transfer
bank_name	string	Bank the customer must select. Not fixed: read it per session, never hardcode it
bank_code	string	NIP code for the bank, for UIs that match on code
account_name	string	Merchant's business name (or "ZevPay Checkout" if not configured)
amount	integer	Amount in kobo the customer should transfer
expires_at	string	ISO 8601 timestamp: when the virtual account expires
banks	array	Every bank this session can be paid into, with the active one flagged current

Letting the customer change bank

Some customers cannot complete a transfer to a given bank. The banks array is the list you can offer them. Render it as a "change bank" control and call Switch Bank with the chosen provider.

The list is served per session, so a bank added on our side appears in your checkout with no change on yours. Never hardcode it.

Switch Bank

Move a pending bank transfer to another bank without starting a new session.

POST /v1/checkout/session/:sessionId/switch-bank

Required permission: checkout

Request body

Parameter	Type	Required	Description
provider	string	Yes	A provider value from the banks array

Example request

curl -X POST https://api.zevpaycheckout.com/v1/checkout/session/ecc48011-e36e-4741-9b99-657f4a1ee86e/switch-bank \
  -H "Content-Type: application/json" \
  -H "x-api-key: pk_test_your_public_key" \
  -d '{"provider": "palmpay"}'

The response is the same bank transfer payload shown above, carrying the new account_number, bank_name and refreshed banks list.

The old account number stops working

Switching retires the previous account before issuing the new one, so the same session can never be paid twice. Replace the account number on screen as soon as the call returns, and never show two at once.

The amount, reference and session are unchanged. Payment webhooks and verification behave exactly as they would have on the original bank.

Switch bank errors

Status	Code	Cause
400	BANK_UNAVAILABLE	The provider is not in the session's banks list
503	BANK_SWITCH_FAILED	The previous account could not be retired. Retry shortly

Response: PayID

When payment_method is "payid", a dynamic PayID is created:

{
  "success": true,
  "data": {
    "payment_method": "payid",
    "pay_id": "5de2.dypid",
    "qr_data": "https://zevpay.me/5de2.dypid",
    "amount": 500000,
    "expires_at": "2026-03-07T19:37:00.000Z"
  }
}

Field	Type	Description
payment_method	string	Always "payid"
pay_id	string	Dynamic PayID for the payment
qr_data	string	URL for QR code generation (https://zevpay.me/{payId})
amount	integer	Amount in kobo
expires_at	string	ISO 8601 timestamp: when the dynamic PayID expires

Behavior

• Calling this endpoint multiple times for the same method reuses the existing virtual account or PayID (as long as it's still active/pending)
• Switching methods (e.g., from bank_transfer to payid) logs a method_switched event and increments the attempt counter
• Switching methods also retires what the customer left behind, so a session is never payable in two places at once. Stop showing the previous account number as soon as you switch: it no longer accepts payment
• The session must be active; expired, completed, or failed sessions return an error

Errors

Status	Message	Cause
400	Session is {status}.	Session is not active (e.g., "Session is completed.")
400	Session has expired.	Session's expiry time has passed
400	Unsupported payment method:	Invalid payment_method value
400	Session does not belong to this API key.	API key mismatch
401	Invalid API key	Key not found or inactive
404	Session not found.	Invalid session ID

Try it

API Playground

POSThttps://api.zevpaycheckout.com/v1/checkout/session/:sessionId/payment-method

API Key Stored locally in your browser

Path Parameters

sessionId *

Request Body

payment_method *selectSelect...Bank TransferPayID