Atelier
Buy a t-shirt
Checkout with pay-by-bank, instant, Wero, card, wallet — and what happens when it fails.
- Happy
Pay by bank (SEPA)
PISP creates the transfer, you approve in your bank, then clearing settles.
- Happy
Pay instantly (SCT Inst)
Same checkout, ≤10s settlement on TIPS / RT1.
- Happy
Pay with name check (VoP)
Verification of Payee before the instant transfer.
- Happy
Pay with Wero
A2A overlay: intent, proxy resolve, then SCT Inst under the hood.
- Happy
Pay via STET (France)
French PISP: create, SCA, then confirm — easy to miss.
- Happy
Pay via UK Open Banking
Consent, funds check, then submit with detached JWS.
- Happy
Check funds before pay
PIIS boolean: enough money on the account?
- Happy
Pay in CHF (SIC)
Swiss RTGS customer credit for a CHF invoice.
- Happy
EUR via euroSIC
EUR clearing leg for a Swiss corridor.
- Happy
Pay by card
Acquirer → scheme → issuer; no ISO pacs in the shop UI.
- Happy
Pay with digital wallet
PayPal / Apple Pay–style funding, then merchant notify.
- Happy
Pay with card overlay
Curve-style: tap one card, pull from another account.
- Happy
Pay with Pix / UPI-style A2A
Instant A2A by alias — teaching model of Pix/UPI.
- Reject
Payment rejected
Wrong IBAN / AM04 — read the pacs.002 RJCT.
- Reject
Instant reject in-window
SCT Inst RJCT still inside the ≤10s SLA.
- Timeout
Instant timeout
No pacs.002 in time → investigation (pacs.028).
- Cancel
Cancel before settlement
DELETE while cancellable, then camt.055.