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IRIS

IRIS is Greece's national digital payment solution that enables instant account-to-account payments through the DIAS interbanking system. Shoppers can pay online using their Greek bank account through a secure redirect to their e-banking or by scanning a QR code with their mobile banking app.

IRIS payment flow with bank selectionIRIS payment flow with bank selection

Request to Pay​

IRIS uses a Request to Pay flow where merchants create payment requests that shoppers authorize in their mobile banking.

  • Direct bank account payments
  • Real-time confirmation
  • Supported by all major Greek banks

Details​

Country Greece
Currency EUR
InputBank selection or QR code scan
Integrations Direct API

Capabilities​

Refunds
Partial refunds
Multiple partial refunds
Final amount captured later
Multiple partial captures
Incremental authorizations
Disputes
Recurring payments
Tokenization
Split payments
Flow TypesImmediate

Flows

IRIS Payment Flow​

This flow works for ONE_TIME transaction type only.

Steps​

  1. Shopper selects IRIS as payment method at checkout.
  2. Merchant Initiates Payment with Nopan.
  3. Nopan creates a Request to Pay with the IRIS.
  4. IRIS returns a redirect URL to the payment page.
  5. Shopper is redirected to the IRIS payment page hosted by DIAS.
  6. Depending on the device shopper either selects their bank and authenticates or scans a QR code from their mobile banking app.
  7. Shopper reviews and confirms the payment
  8. Nopan receives the payment notification from IRIS.
  9. Shopper is redirected back to merchant site.
  10. Merchant retrieves final payment status (sync or async).

Integration​

Send a POST /payments/initiate request to Nopan with the following format:

{
  "processingAccountId": "merchant",
  "clientTransactionId": "order123",
  "returnUrl": "https://api.merchant.callback?ref=order123",
  "transactionType": "ONE_TIME",
  "paymentDetails": {
    "amount": 5000,
    "currency": "EUR",
    "country": "GR",
    "description": "Product ID 1234 purchase"
  },
  "providerDetails": {
    "providerId": "IRIS"
  },
  "payerDetails": {
    "payerId": "payerUUID"
  },
  "requestContext": {
    "ipAddress": "203.0.113.45",
    "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36",
    "channel": "WEB",
    "deviceId": "device-67890",
    "locale": "el-GR"
  },
  "metadata": {}
}
tip

returnUrl and payerId fields are mandatory.

info
  • Payment requests are valid for 8-33 minutes (default 18 minutes).

The shopper will be redirected to the IRIS payment page where they can choose between bank selection (desktop) or QR code scan (mobile) based on their device.

Testing​

Leverage Nopan Mocking framework to test your IRIS integration with Nopan. You can choose to mock the behavior with Nopan directly. See Mocking for more details.

Error Codes​

info

For a full list of Nopan error codes, see Error Handling.

IRIS Code
Nopan Reason Code
Description
Action
DMSP1000 – General server error
8004
Provider error.
Retry
DMSP1003 – Order not found
4001
Payment not found.
Fix Request
DMSP1010 – Service maintenance
8004
Provider error - service under maintenance.
Retry
DMSP1104 – Invalid date format
4000
Invalid input - creation date format incorrect.
Fix Request
DMSP1109 – Invalid validity period
4000
Invalid input - validity period must be 8-33 minutes.
Fix Request
DMSP1112 – Invalid amount
4000
Invalid input - amount must be greater than zero.
Fix Request
DMSP1120 – Duplicate reference
3001
Duplicate transaction ID.
Fix Request
DMSP1140 – Unauthorized action
4971
Forbidden - insufficient permissions.
Adjust Logic
TIMEOUT – Session expired
2000
Session expired - shopper did not complete payment.
Retry
AUTHORISINGPARTYABORTED – User cancelled
2001
Payer cancelled the payment.
Adjust Logic

Requirements​

  • Shopper must have an active account with a participating Greek bank.
  • Shopper must have e-banking or mobile banking access enabled.
warning

IRIS does not support recurring payments or tokenization. Each payment requires explicit shopper authorization via their bank's online or mobile banking interface.

Learn More​

Participating Banks​

IRIS is supported by all major Greek banks including. Lear more here.