IRIS Payments

IRIS Payment description

IRIS Payments activation

IRIS Payment is a national electronic payment service developed in Greece and managed by DIAS Interbanking Systems, with the support of the Bank of Greece and the country’s leading financial institutions.

Through its integration with Nexi XPay, merchants can now accept account-to-account payments, offering Greek customers a simple, secure, and instant payment experience — without the need for a card.

The service enables instant payments using the beneficiary’s IBAN, phone number, or email address, ensuring wide national coverage.
Customers can complete their payments either via mobile, by scanning a QR code, or by accessing their internet banking through a secure redirect to their bank’s online environment.

Thanks to the partnership with DIAS, Nexi XPay expands its portfolio of local payment methods, supporting the digital transformation of payments in Greece and promoting solutions that are efficient, modern, and inclusive.

Availability for Greek Merchants

The IRIS Payment option is automatically available for all Greek merchants using Nexi XPay.
The payment method will appear as a selectable option on the payment page across all Nexi XPay channels and integration models, including:

Hosted Payment Page (HPP)
Pay By Link
Build Integration (API)
E-commerce Plugins (e.g., WooCommerce, Magento, PrestaShop, etc.)
Mobile SDK

This ensures full coverage and a seamless experience for both merchants and customers, regardless of the chosen integration method.

Example – IRIS Payment via Hosted Payment Page (HPP)

To create a sample IRIS payment using the Hosted Payment Page (HPP), you can use a request model similar to the following:

Request message

code
{
    "order": {
        "orderId": "{{orderid}}",
        "amount": "10",
        "currency": "EUR",
        "description": "IRIS testing payment"
    },
    "paymentSession": {
        "actionType": "PAY",
        "amount": "10",
        "language": "ITA",
        "captureType": "IMPLICIT",
        "resultUrl": "https://ngwecomm-dev.nexi.it/phoenix-0.0/hostedfields-demo-v2/result_hpp.html",
        "cancelUrl": "https://ngwecomm-dev.nexi.it/phoenix-0.0/hostedfields-demo-v2/result_hpp.html",
        "notificationUrl": "https://webhook.site/fcd94503-451b-4028-b879-fa910170aaa7"
    }
}

Response Message

code
{
    "additionalData": {
      ->"transaction_id": "202510230728390000000000000051069"
      },
      "cancelledOperationId": "",
      "customerInfo": {},
      "operationAmount": "10",
      "operationCurrency": "EUR",
      "operationId": "555cce71-9059-4b07-8d40-e0ec43b0f1c5",
      "operationResult": "EXECUTED",
      "operationTime": "2025-10-23 09:28:25.076",
      "operationType": "AUTHORIZATION",
      "orderId": "1761204488558",
      -> "paymentCircuit": "IRIS",
      -> "paymentEndToEndId": "138090067503497000799B035000001",
      "paymentInstrumentInfo": "***********************0002",
      "paymentMethod": "APM",
      "warnings": []
   }
}

Default IRIS Payment Display

To set IRIS as the default payment method on the Hosted Payment Page (HPP), include the following parameter inside the paymentSession object:

"paymentService": "IRIS"

IRIS Payment Capture Mode

The IRIS Payment system supports only implicit capture transactions.
This means that both the authorization and capture occur in a single step within the payment process.

As a result, pre-authorization and delayed capture operations are not supported.
Once the customer confirms the payment via IRIS (either through QR Code or Internet Banking), the amount is immediately transferred from the payer’s account to the beneficiary’s account.

Logos

For cooperation with all cards please choose one of the following:

White background:Download

Transparent: Download

For cooperation with all cards except American Express choose one of the following:

White background: Download