Payment Confirmation - PCX Developer Docs

For the Open Banking / GBP bank transfer iFrame flow, payment confirmation is delivered via a server-to-server webhook from PCX to your registered endpoint. This is the authoritative completion signal — not a browser redirect.

Webhook-based confirmation

When the payer authorises the bank transfer in their banking app, PCX receives confirmation and immediately fires a webhook to your registered endpoint.

Webhook payload

{
  "event": "payment.completed",
  "payment_id": "34751905-725f-4e1a-a0e6-998666aabee3",
  "transaction_id": "835de352-cf44-4330-8a90-d835a169e895",
  "status": "completed",
  "amount": 100.0,
  "currency": "GBP",
  "timestamp": "2026-07-01T11:35:00Z"
}

Webhook payload fields

Field	Description
`event`	Event type — `payment.completed`, `payment.failed`
`payment_id`	PCX payment identifier from the initiation response
`transaction_id`	PCX transaction identifier
`status`	Payment outcome: `completed` or `failed`
`amount`	Confirmed payment amount
`currency`	Payment currency
`timestamp`	ISO 8601 timestamp of confirmation

For webhook setup, security verification, and retry behaviour, see Webhooks.

Confirming payment status via the API

After receiving a webhook, confirm the payment status by querying the PCX API directly from your server:

GET /payments/{payment_id}

Or by your own client reference:

GET /payments/client-reference/{client_reference}

Always verify server-side before fulfilling an order. The payment_id is returned in the payment initiation response.

Why webhooks and not a browser redirect

The iFrame payment flow uses Open Banking, where the payer authorises the payment inside their banking app — outside the browser tab containing the iFrame. There is no browser-level redirect back to a partner URL after completion. PCX confirms the payment via a server-to-server webhook that is delivered independently of the payer’s browser session.

Do not attempt to fulfil orders based on the iFrame UI state alone. A webhook payment.completed event from PCX is the reliable fulfilment signal.

​Webhook-based confirmation

​Webhook payload

​Webhook payload fields

​Confirming payment status via the API

​Why webhooks and not a browser redirect

Webhook-based confirmation

Webhook payload

Webhook payload fields

Confirming payment status via the API

Why webhooks and not a browser redirect