> For the complete documentation index, see [llms.txt](https://docs.digitalriver.com/commerce-api/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.digitalriver.com/commerce-api/payments/supported-payment-methods/online-banking-ibp.md).

# Online Banking (IBP)

IBP allows customers to use the online banking service provided by their bank. 

Contact your Customer Success Manager and sign an Online Banking (IBP) addendum if you want to use Online Banking (IBP). 

## Supported online banking options

{% hint style="info" %}
The following banks are subject to availability from our provider.
{% endhint %}

<table><thead><tr><th width="256">IBP Banks</th><th>Country</th><th>Country Code</th><th>Currency</th></tr></thead><tbody><tr><td><p><strong>EPS</strong> </p><p>The banks participating in the EPS scheme are: </p><ul><li>Raiffeisen Bankengruppe</li><li>Erste Bank und Sparkassen</li><li>Bankhaus Spängler</li><li>Die österreichischen Volksbanken, Immo-Bank, Gärtnerbank</li><li>Hypo Tirol Bank AG</li><li>HYPO Banken - Raiffeisen Rechenzentrum</li><li>BAWAG P.S.K.</li><li>Bank für Ärzte und Freie Berufe AG</li><li>Niederösterreichische Landesbank-Hypothekenbank AG</li><li>Vorarlberger Landes- und Hypothekenbank AG</li><li>Hypo Alpe-Adria-Bank AG</li><li>Investkredit Bank AG</li><li>VR-Bank Braunau</li><li> Schoellerbank AG</li><li>Bankhaus Schelhammer &#x26; Schattera AG</li><li>Österreichische Apothekerbank reg.Gen.m.b.H.</li></ul><p>In addition Bank Austria AG technically participates in the scheme, but not commercially in the solution provided by DRWP.</p></td><td>Austria</td><td>AT</td><td>EUR</td></tr><tr><td><p>Sofort </p><p>GiroPay</p></td><td>Germany</td><td>DE</td><td>EUR</td></tr><tr><td>Nordea, Spankki, Säästöpankki, Danske, Aktia, OP Pohjola</td><td>Finland</td><td>FI</td><td>EUR</td></tr><tr><td><p>iDEAL</p><ul><li>ABN AMRO</li><li>Bunq bank</li><li>ING</li><li>Moneyou</li><li>Rabobank</li><li>SNS Bank</li><li>ASN Bank</li><li>Regio Bank</li><li>Triodos Bank</li><li>Knab Bank</li><li>Van Lanschot Bank</li><li>Svenska Handelsbanken (In progress of adding)</li></ul></td><td>Netherlands</td><td>NL</td><td>EUR</td></tr><tr><td><ul><li>Dotpay</li><li>Pekao24Przelew</li><li>Plac z ING</li><li>Millennium - Platnosci Internetowe</li><li>Pay with Alior Bank</li><li>Place z Citi Handlowy</li><li>Plac z BOS</li><li>mTransfer</li><li>Place z Inteligo</li><li>Przelew24</li><li>Pocztowy24</li><li>BLIK</li><li>Banki Spoldzielcze</li><li>Place z Plus Bank</li><li>Idea Cloud</li><li>EnveloBank</li></ul></td><td>Poland</td><td>PL</td><td>PLN</td></tr><tr><td>Handelsbanken, Swedbank</td><td>Sweden</td><td>SE</td><td>SEK</td></tr></tbody></table>

## How to configure

How you configure Online Banking depends on whether you're using [DigitalRiver.js with Elements](/commerce-api/payments/payments-solutions/digitalriver.js.md) or[ Drop-in payments](/commerce-api/payments/payments-solutions/drop-in.md). &#x20;

| DigitalRiver.js with Elements                                                                                             | Drop-in payments                                                                                                     |
| ------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| [Configuring Online Banking](/commerce-api/payments/payments-solutions/digitalriver.js/payment-methods/online-banking.md) | [Drop-in Payments Integration Guide](/commerce-api/payments/payments-solutions/drop-in/drop-in-integration-guide.md) |

## How it works

Online Banking (IBP) uses a [redirect then submit (RTS) payment flow](/commerce-api/payments/building-your-workflows/flows-by-payment-type.md#redirect-then-submit-rts-payment-flow).