Immediate Payment Links

Immediate Payments enables real-time execution of bank transfers initiated with a payment link. Using FP (immediate transfer) or Zahav (RTGS) as the underlying payment product, with Feezback automatically resolving the best suited transfer type given the debtor and creditor banks.

How to generate an immediate payment link?

1. Complete the Single-Payment integration and configuration requirements for Feezback-Link or for a Seamless-link
2. Once you are able to generate a single payment link, configure the "paymentMode" within the request body:
   1. "IMMEDIATE": for Zahav/FP execution only (available within Zahav working hours).
   2. "PREFER_IMMEDIATE": for Masav execution out of Zahav availability hours (Masav execution is completed by the end of the business day).
3. Generate a Payment link
4. If you enable currency selection, you will get the actual currency used for the transaction with the webhook status updates.

The two paymentMode values

Add an optional paymentMode field to flow.payment in your signed JWT:

If paymentMode is omitted, behavior is unchanged (standard Masav execution with FP where available).

Zahav availability hours

Link generation for paymentMode=IMMEDIATE is rejected during closed hours and within the last 7 minutes before closing.

Requesting an Immediate Payment

1. Set paymentMode

Accepted values: "IMMEDIATE", "PREFER_IMMEDIATE". Omit or send null for standard (non-immediate) behavior.

2. Debtor details

For "IMMEDIATE"/ "PREFER_IMMEDIATE" payments, the following fields are required when generating a link:

Both fields: English characters only (a-z A-Z 0-9 ' ( ) ,), max 35 characters.

3. Validation rules

For "IMMEDIATE"/ "PREFER_IMMEDIATE" payments, the following validations are required for existing fields when generating a link:

1. creditorName: English characters only (a-z A-Z 0-9 ' ( ) ,)
2. remittanceInformationUnstructured: English characters only (a-z A-Z 0-9 ' ( ) ,)
3. instructedAmount.currency must be ILS (immediate payments are supported for ILS only, foreign-currency options are not available).
4. Periodic-payment options are not available

4. Response

Errors specific to Immediate Payments:

1. Request an "IMMEDIATE" link generation outside Zahav availability hours:
   1. Fezzback link returns error code "1024"
   2. Seamless link returns the following error object in the response body:
      
      Text

      HTTP/1.1 400 Bad Request
      {
        "error": {
          "code": "INVALID_PAYMENT_PAYLOAD",
          "message": "Immediate payment is not available at the moment"
        },
        "meta": null
      }

2. Required or ASPSP-specific fields missing/invalid:
   Standard field-validation error, same pattern as other payment link payloads. See Error Scenarios and Payment rejection and Error Scenarios for the general error format.

Payment status & webhooks

You will keep getting the same status updates via webhook as for any payment link.

Look for the following fields on the webhook payload to understand what payment method was applied and when the funds are expected on the creditor account:

1. transferType : indicates the actual payment product used for the transfer
   1. Optional values:
      1. "zahav"
      2. "fp"
      3. "masav"
2. currentStatus: different payment products return different statuses when the payment is approved. See more on the payment statuses page

Fees

The immediate option may incur Zahav fees charged to the debtor, according to their bank account's fee policy.