PayOne

Bank transfer via Interac for Canada. Supports Pay-In and Pay-Out.

Note: PayOne processes Interac bank transfers in Canada only. Use "CAD" as the currency.

Operations: Pay-In ✓ | Pay-Out ✓ | Webhook ✓
Processing: Asynchronous - redirect user to hosted page; final status via webhook

Fields marked with * are required.

Configuration (Mozarto back office)

Field	Description
`accountName` *	Display name for this account
`apiKey` *	PayOne API key
`webhookUrl` *	Your HTTPS endpoint for transaction status updates
`siteUrl` *	Your site URL - used by PayOne to build redirect URLs after payment
`isWebhookSecured`	Adds `Authorization` header to outbound webhook calls

Pay-In

POST /v1/api/mozarto/cashier

Request body

Field	Type	Description
`pspType` *	string	Always `"PAYONE"`
`type` *	string	Always `"PAYIN"`
`baseamount` *	number	Amount as a number (e.g. `100.00`)
`currency` *	string	Currency code - must be `"CAD"`
`currencyCode` *	string	Currency code - must be `"CAD"`
`userId` *	string	Your internal user/player identifier
`email` *	string	User's email address
`firstName` *	string	User's first name
`lastName` *	string	User's last name
`phone` *	string	Phone number (min 6 digits)
`brandId`	string	Brand identifier
`siteUrl`	string	Per-transaction redirect URL. Overrides the `siteUrl` from your configuration for PayOne's post-payment redirect

Example request

{
  "pspType": "PAYONE",
  "type": "PAYIN",
  "baseamount": 100.00,
  "currency": "CAD",
  "currencyCode": "CAD",
  "userId": "user_123",
  "email": "player@example.com",
  "firstName": "John",
  "lastName": "Doe",
  "phone": "4915112345678"
}

Response

{
  "status": "success",
  "message": "Transaction successfully processed",
  "isSuccess": true,
  "data": {
    "success": true,
    "message": "Transaction successfully Ongoing Process ",
    "redirect_url": "https://demo.payonepayment.com/webflow-payment/<reference>/<token>",
    "transactionId": "64a1f2b3c4d5e6f7a8b9c0d1",
    "merchantReference": "",
    "amount": 10
  }
}

Note: PayOne uses data.redirect_url - not data.url as returned by other providers. Update any redirect logic accordingly.

Field	Description
`data.redirect_url`	Hosted Interac payment page URL - redirect the user here. Format: `https://demo.payonepayment.com/webflow-payment/<reference>/<token>`
`data.success`	`true` when PayOne accepted the transaction
`data.message`	PayOne status message - informational only
`data.transactionId`	Mozarto transaction ID - use for status queries and idempotency
`data.amount`	Transaction amount as a number

Pay-Out

POST /v1/api/mozarto/cashier

Uses the same request body as Pay-In with type set to "PAYOUT". All required fields remain the same.

Response

{
  "status": "success",
  "message": "Withdraw request successfully processed",
  "isSuccess": true,
  "data": {
    "success": true,
    "message": "Withdraw request successfully processed",
    "withdraw": {
      "client": "Your account name",
      "brand": "Your account name",
      "userId": "000000000000000000000001",
      "transactionId": "HS932097JV",
      "first_name": "John",
      "last_name": "Doe",
      "email": "merchant@example.com",
      "phone": "07700900000",
      "userIp": "203.0.113.42",
      "currency": "CAD",
      "siteUrl": "https://your-site.com/operations",
      "amount": "10.00",
      "date": "2026-04-30",
      "status": "Pending"
    },
    "transactionId": "64a1f2b3c4d5e6f7a8b9c0d1",
    "merchantReference": "",
    "amount": 10
  }
}

Field	Description
`data.transactionId`	Mozarto transaction ID - use for status queries and idempotency
`data.amount`	Transaction amount as a number
`data.withdraw.transactionId`	PayOne internal transaction ID
`data.withdraw.status`	Initial status - always `"Pending"` on creation
`data.withdraw.siteUrl`	The `siteUrl` from your configuration
`data.withdraw.userIp`	IP address of the request origin

Webhook

Mozarto calls your webhookUrl when the transaction reaches a final state.

The method field will be PAYONE_PAYIN or PAYONE_PAYOUT.

Payload example

{
  "transaction_id": "69f8a54b2beab46cc6a51149",
  "psp_transaction_id": "HS923856HU",
  "user_id": "000000000000000000000001",
  "status": "Declined",
  "transaction_status": "Declined",
  "message": "Declined",
  "amount": "10.00",
  "merchantReference": ""
}

Field	Description
`transaction_id`	Mozarto transaction ID - matches `data.transactionId` from the Pay-In/Pay-Out response
`psp_transaction_id`	PayOne internal transaction ID - matches the ID embedded in `data.redirect_url`
`user_id`	The user ID passed in the original request
`status`	Raw PayOne status string - do not use for business logic
`transaction_status`	Normalized Mozarto status - use this for all business logic
`message`	Human-readable description of the outcome
`amount`	Transaction amount as a string
`merchantReference`	The merchant reference passed in the original request - empty string if not set

Error codes

PayOne errors are mapped to normalized Mozarto errorCode values. Use errorCode for programmatic handling rather than parsing the raw data.error string.

Mozarto `errorCode`	PSP raw signal	When
`INVALID_PSP_CREDENTIALS`	HTTP 404 (no PSP body)	API key is missing, wrong, or the PayOne account is not active
`INVALID_PSP_CREDENTIALS`	`data.error` contains `"Invalid account details"`	Credentials were accepted by the HTTP layer but rejected by PayOne
`INVALID_PSP_CREDENTIALS`	`data.error` contains `"Invalid API key"`	API key format is valid but not recognised by PayOne
`PSP_TIMEOUT`	HTTP 408 or response body contains `"timeout"`	PayOne did not respond in time - safe to retry
`PSP_UNAVAILABLE`	HTTP 5xx	PayOne 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	Unrecognised error - check `data.error` for the raw message and contact support if it persists

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

Configuration (Mozarto back office)#

Pay-In#

Request body#

Example request#

Response#

Pay-Out#

Response#

Webhook#

Payload example#

Error codes#

Configuration (Mozarto back office)

Pay-In

Request body

Example request

Response

Pay-Out

Response

Webhook

Payload example

Error codes