I have cards and now I’m about to integrate direct banks. Does the payment flow differ?

Yes. For direct bank, after the Terminal, Netaxept triggers AutoSale for the transaction, therefore, you don’t need to run AUTH, CAPTURE or SALE on direct bank transactions. This eliminates a step in the standard payment process done via Netaxept and to make sure your setup doesn't try to run these operations, you need to check if the payment was made with direct bank as a payment method. This can be done either by using "paymentMethodActionList" parameter in the Register call or performing the Query call after the Terminal. Also, in order to verify that the transaction has the correct status and the payment has processed successfully and is fully paid, we recommend you to implement the Callback function as part of the payment process.