Brite

Open banking payment provider using instant bank payments — no card or voucher required. The user authenticates directly with their bank on Brite's hosted page.

Note: Brite is a EU/EEA-licensed (PSD2) provider. It supports EU/EEA markets + Switzerland only. Your Brite merchant account must be enabled for the country you send.

Operations: Pay-In ✓ | Pay-Out - | Webhook ✓
Processing: Asynchronous - redirect user to Brite's hosted page; final status via webhook
Payment type: Open banking / instant bank transfer

Fields marked with * are required.

Configuration (Mozarto back office)

Field	Description
`accountName` *	Display name for this account
`public_key` *	Brite public key (issued by Brite onboarding)
`secret` *	Brite secret key
`webhookUrl` *	Your HTTPS endpoint for transaction status updates
`siteUrl` *	Your return URL - used as the `redirect_uri` Brite opens after payment

Pay-In

POST /v1/api/mozarto/cashier

Request body

Field	Type	Description
`pspType` *	string	Always `"BRITE"`
`type` *	string	Always `"PAYIN"`
`baseamount` *	number	Amount, `> 0`, up to 2 decimals. In the domestic currency of `countryCode`
`countryCode` *	string	ISO-3166-1 alpha-2 (e.g. `"FI"`, `"DE"`, `"SE"`). Drives Brite's `country_id` and the settlement currency
`currency` *	string	Currency code (e.g. `"EUR"`). Must match the domestic currency of `countryCode`
`userId` *	string	Your internal user/player identifier
`country`	string	Full country name (e.g. `"Finland"`) - stored for reporting
`merchantReference`	string	Your reference for the payment
`firstName` / `lastName`	string	Customer name - optional; Brite identifies the customer at bank login if omitted
`email`	string	Customer email
`dob`	string	Customer date of birth (`YYYY-MM-DD`)
`address`	object	Billing address: `{ line1, city, postalCode, country }`
`hppSuccessUrl` / `hppFailureUrl` / `hppCancelUrl`	string	Overrides the redirect URL for this request (Brite uses a single redirect for all outcomes). Falls back to the configured `siteUrl`
`testMode`	boolean	`true` for sandbox testing

Currency is derived from country. Brite settles in the domestic currency of countryCode — FI/DE → EUR, SE → SEK, NO → NOK. Send a currency that matches, and baseamount in that currency.

Example request

{
  "pspType": "BRITE",
  "type": "PAYIN",
  "baseamount": 1,
  "userId": "user_123",
  "country": "Finland",
  "countryCode": "FI",
  "currency": "EUR",
  "merchantReference": "BT-PAYIN-001",
  "testMode": true
}

Response

{
  "status": "success",
  "message": "Transaction successfully processed",
  "isSuccess": true,
  "data": {
    "id": "ag9ofmFib25lYS0xNzYyMTNy...",
    "token": "eyJpZCI6ICJhZzlvZm1G...",
    "url": "https://sandbox.britepaymentgroup.com/eyJpZCI6...",
    "redirectUrl": "https://sandbox.britepaymentgroup.com/eyJpZCI6...",
    "sessionId": "ag9ofmFib25lYS0xNzYyMTNy...",
    "transactionId": "6a4cf9020848a21b6b125750",
    "merchantReference": "BT-PAYIN-001",
    "amount": 1,
    "transaction_status": "Pending"
  }
}

Redirect the user to data.url (Brite's hosted payment page), or embed the Brite client with data.token.

Field	Description
`data.url` / `data.redirectUrl`	Brite hosted payment page - redirect the user here
`data.token`	Client token for the embedded Brite widget (`new Brite(token)`)
`data.id` / `data.sessionId`	Brite session ID
`data.transactionId`	Mozarto transaction ID - use for status queries and idempotency
`data.merchantReference`	Your reference, echoed back
`data.amount`	Transaction amount as a number
`data.transaction_status`	Normalized status - `"Pending"` on creation

Webhook

Brite notifies Mozarto when the session/transaction changes state; Mozarto then calls your configured webhookUrl once the payment reaches a final status. The method field will be BRITE_PAYIN.

Payload example

{
  "transaction_id": "6a4cf9020848a21b6b125750",
  "psp_transaction_id": "ag9ofmFib25lYS0xNzYyMTNy...",
  "session_id": "ag9ofmFib25lYS0xNzYyMTNy...",
  "user_id": "user_123",
  "status": "SUCCESS",
  "transaction_status": "Approved",
  "message": "Transaction approved and successfully processed",
  "amount": 1,
  "merchantReference": "BT-PAYIN-001"
}

Field	Description
`transaction_id`	Mozarto transaction ID - matches `data.transactionId` from the Pay-In response
`psp_transaction_id`	Brite session/transaction ID
`session_id`	Brite session ID
`user_id`	The `userId` passed in the original request
`status`	Raw internal status - do not use for business logic
`transaction_status`	Normalized Mozarto status - use this for all business logic (`Approved` / `Failed` / `Cancelled`)
`message`	Human-readable description of the outcome
`amount`	Transaction amount as a number
`merchantReference`	The merchant reference passed in the original request - empty string if not set

Mozarto notifies your webhookUrl once per final status - Brite fires several terminal callbacks (completed, credit, session completed) for one payment, all de-duplicated to a single delivery.

Error codes

Brite transport failures are mapped to normalized Mozarto errorCode values. Use errorCode for programmatic handling.

Mozarto `errorCode`	PSP raw signal	When
`INVALID_PSP_CREDENTIALS`	HTTP 404 / 401 / 403	Brite `public_key` / `secret` missing or rejected, or PSP configuration not set
`PSP_TIMEOUT`	HTTP 408 or response body contains `"timeout"`	Brite did not respond in time - safe to retry
`PSP_UNAVAILABLE`	HTTP 5xx	Brite service error - safe to retry with backoff
`PSP_RATE_LIMITED`	HTTP 429	Too many requests - retry after a delay
`UNKNOWN_PSP_ERROR`	Any other response	Deposit session creation failed - check `data` for the raw Brite response

Brite business-level rejections return a data object with the raw Brite error, mapped to UNKNOWN_PSP_ERROR. Common cases:

Brite `error_message`	Cause
`The country is not valid or not supported.`	`countryCode` is missing, malformed, or not a Brite market
`Merchant <id> is disabled in <country>`	Your Brite account is not enabled for that country - contact Brite
`... must be a valid URLSafe ID.`	A Brite-format ID field was sent an invalid value

For the full list of errorCode values and retryability guidance, see Errors.

Configuration (Mozarto back office)#

Pay-In#

Request body#

Example request#

Response#

Webhook#

Payload example#

Error codes#