---
title: "POST /user/{userID}/monetary-account/{monetary-accountID}/payment"
method: POST
path: "/user/{userID}/monetary-account/{monetary-accountID}/payment"
tags: ["payment"]
---

# POST /user/{userID}/monetary-account/{monetary-accountID}/payment

`POST /user/{userID}/monetary-account/{monetary-accountID}/payment`

Create a new Payment.

## Path parameters

- `userID` integer, required
- `monetary-accountID` integer, required

## Headers

- `Cache-Control` string
- `User-Agent` string, required
- `X-Bunq-Language` string
- `X-Bunq-Region` string
- `X-Bunq-Client-Request-Id` string
- `X-Bunq-Geolocation` string
- `X-Bunq-Client-Authentication` string, required

## Request body

- Payment
  - `amount` Amount
    - `value` string — The amount formatted to two decimal places.
    - `currency` string — The currency of the amount. It is an ISO 4217 formatted currency code.
  - `counterparty_alias` LabelMonetaryAccount
    - `iban` string — The IBAN of the monetary account.
    - `display_name` string — The name to display with this monetary account.
    - `avatar` Avatar
      - `uuid` string — The public UUID of the avatar.
      - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
      - `image` Image[] — The actual image information of this avatar.
        - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
        - `content_type` string — The content-type as a MIME filetype.
        - `height` integer — The image height in pixels.
        - `width` integer — The image width in pixels.
      - `style` string — The style (if applicable) for this Avatar.
    - `label_user` LabelUser
      - `uuid` string — The public UUID of the label-user.
      - `display_name` string — The name to be displayed for this user, as it was given on the request.
      - `country` string — The country of the user. 000 stands for "unknown"
      - `avatar` Avatar
        - `uuid` string — The public UUID of the avatar.
        - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
        - `image` Image[] — The actual image information of this avatar.
          - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
          - `content_type` string — The content-type as a MIME filetype.
          - `height` integer — The image height in pixels.
          - `width` integer — The image width in pixels.
        - `style` string — The style (if applicable) for this Avatar.
      - `public_nick_name` string — The current nickname of the user.
    - `country` string — The country of the user. Formatted as a ISO 3166-1 alpha-2 country code.
    - `bunq_me` Pointer
      - `type` string — The alias type, can be: EMAIL|PHONE_NUMBER|IBAN.
      - `value` string — The alias value.
      - `name` string — The alias name.
      - `service` string — The pointer service. Only required for external counterparties.
    - `is_light` boolean — Whether or not the monetary account is light.
    - `swift_bic` string — The BIC used for a SWIFT payment.
    - `swift_account_number` string — The account number used for a SWIFT payment. May or may not be an IBAN.
    - `transferwise_account_number` string — The account number used for a Transferwise payment. May or may not be an IBAN.
    - `transferwise_bank_code` string — The bank code used for a Transferwise payment. May or may not be a BIC.
    - `merchant_category_code` string — The merchant category code.
  - `description` string — The description for the Payment. Maximum 140 characters for Payments to external IBANs, 9000 characters for Payments to only other bunq MonetaryAccounts.
  - `attachment` AttachmentMonetaryAccountPayment[] — The Attachments attached to the Payment.
    - `id` integer — The id of the attached Attachment.
    - `monetary_account_id` integer — The id of the MonetaryAccount this Attachment is attached from.
  - `merchant_reference` string — Optional data included with the Payment specific to the merchant.
  - `allow_bunqto` boolean — Whether or not sending a bunq.to payment is allowed.
  - `id` integer — The id of the created Payment.
  - `created` string — The timestamp when the Payment was done.
  - `updated` string — The timestamp when the Payment was last updated (will be updated when chat messages are received).
  - `monetary_account_id` integer — The id of the MonetaryAccount the Payment was made to or from (depending on whether this is an incoming or outgoing Payment).
  - `alias` LabelMonetaryAccount
    - `iban` string — The IBAN of the monetary account.
    - `display_name` string — The name to display with this monetary account.
    - `avatar` Avatar
      - `uuid` string — The public UUID of the avatar.
      - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
      - `image` Image[] — The actual image information of this avatar.
        - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
        - `content_type` string — The content-type as a MIME filetype.
        - `height` integer — The image height in pixels.
        - `width` integer — The image width in pixels.
      - `style` string — The style (if applicable) for this Avatar.
    - `label_user` LabelUser
      - `uuid` string — The public UUID of the label-user.
      - `display_name` string — The name to be displayed for this user, as it was given on the request.
      - `country` string — The country of the user. 000 stands for "unknown"
      - `avatar` Avatar
        - `uuid` string — The public UUID of the avatar.
        - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
        - `image` Image[] — The actual image information of this avatar.
          - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
          - `content_type` string — The content-type as a MIME filetype.
          - `height` integer — The image height in pixels.
          - `width` integer — The image width in pixels.
        - `style` string — The style (if applicable) for this Avatar.
      - `public_nick_name` string — The current nickname of the user.
    - `country` string — The country of the user. Formatted as a ISO 3166-1 alpha-2 country code.
    - `bunq_me` Pointer
      - `type` string — The alias type, can be: EMAIL|PHONE_NUMBER|IBAN.
      - `value` string — The alias value.
      - `name` string — The alias name.
      - `service` string — The pointer service. Only required for external counterparties.
    - `is_light` boolean — Whether or not the monetary account is light.
    - `swift_bic` string — The BIC used for a SWIFT payment.
    - `swift_account_number` string — The account number used for a SWIFT payment. May or may not be an IBAN.
    - `transferwise_account_number` string — The account number used for a Transferwise payment. May or may not be an IBAN.
    - `transferwise_bank_code` string — The bank code used for a Transferwise payment. May or may not be a BIC.
    - `merchant_category_code` string — The merchant category code.
  - `type` string — The type of Payment, can be BUNQ, EBA_SCT, EBA_SDD, IDEAL, SWIFT or FIS (card).
  - `sub_type` string — The sub-type of the Payment, can be PAYMENT, WITHDRAWAL, REVERSAL, REQUEST, BILLING, SCT, SDD or NLO.
  - `payment_arrival_expected` PaymentArrivalExpected
    - `status` string — Indicates when we expect the payment to arrive.
    - `time` string — The time when the payment is expected to arrive.
  - `bunqto_status` string — The status of the bunq.to payment.
  - `bunqto_sub_status` string — The sub status of the bunq.to payment.
  - `bunqto_share_url` string — The status of the bunq.to payment.
  - `bunqto_expiry` string — When bunq.to payment is about to expire.
  - `bunqto_time_responded` string — The timestamp of when the bunq.to payment was responded to.
  - `batch_id` integer — The id of the PaymentBatch if this Payment was part of one.
  - `scheduled_id` integer — The id of the JobScheduled if the Payment was scheduled.
  - `address_shipping` Address
    - `street` string — The street.
    - `house_number` string — The house number.
    - `po_box` string — The PO box.
    - `postal_code` string — The postal code.
    - `city` string — The city.
    - `country` string — The country as an ISO 3166-1 alpha-2 country code.
    - `extra` string — The apartment, building or other extra information for addresses.
    - `mailbox_name` string — The name on the mailbox (only used for Postal and Shipping addresses).
    - `province` string — The province according to local standard.
    - `is_user_address_updated` boolean — To show whether user created or updated her address for app event listing.
  - `address_billing` Address
    - `street` string — The street.
    - `house_number` string — The house number.
    - `po_box` string — The PO box.
    - `postal_code` string — The postal code.
    - `city` string — The city.
    - `country` string — The country as an ISO 3166-1 alpha-2 country code.
    - `extra` string — The apartment, building or other extra information for addresses.
    - `mailbox_name` string — The name on the mailbox (only used for Postal and Shipping addresses).
    - `province` string — The province according to local standard.
    - `is_user_address_updated` boolean — To show whether user created or updated her address for app event listing.
  - `geolocation` Geolocation
    - `latitude` integer — The latitude for a geolocation restriction.
    - `longitude` integer — The longitude for a geolocation restriction.
    - `altitude` integer — The altitude for a geolocation restriction.
    - `radius` integer — The radius for a geolocation restriction.
  - `request_reference_split_the_bill` RequestInquiryReference[] — The reference to the object used for split the bill. Can be RequestInquiry or RequestInquiryBatch
    - `type` string — The type of request inquiry. Can be RequestInquiry or RequestInquiryBatch.
    - `id` integer — The id of the request inquiry (batch).
  - `balance_after_mutation` Amount
    - `value` string — The amount formatted to two decimal places.
    - `currency` string — The currency of the amount. It is an ISO 4217 formatted currency code.
  - `payment_auto_allocate_instance` PaymentAutoAllocateInstance
    - `id` integer — The id of the PaymentAutoAllocateInstance.
    - `created` string — The timestamp when the PaymentAutoAllocateInstance was created.
    - `updated` string — The timestamp when the PaymentAutoAllocateInstance was last updated.
    - `payment_auto_allocate_id` integer — The ID of the payment auto allocate this instance belongs to.
    - `status` string — The status of the payment auto allocate instance. SUCCEEDED or FAILED.
    - `error_message` Error[] — The error message, if the payment auto allocating failed.
      - object[]
        - `error_description` string — The error description in English.
        - `error_description_translated` string — The error description translated to the user's language.
    - `payment_batch` PaymentBatch
      - `payments` PaymentBatchAnchoredPayment
        - `Payment` Payment[]
    - `payment_id` integer — The ID of the payment that triggered the allocating of the payments.
    - `all_ginmon_transaction_order` GinmonTransaction[] — All Ginmon transaction orders executed with this instance.
      - `status` string — The status of the transaction.
      - `status_description` string — The status of the transaction.
      - `status_description_translated` string — The translated status of the transaction.
      - `amount_billing` Amount
        - `value` string — The amount formatted to two decimal places.
        - `currency` string — The currency of the amount. It is an ISO 4217 formatted currency code.
      - `amount_billing_original` Amount
        - `value` string — The amount formatted to two decimal places.
        - `currency` string — The currency of the amount. It is an ISO 4217 formatted currency code.
      - `isin` string — The ISIN of the security.
      - `external_identifier` string — External identifier of this order at Ginmon.
      - `label_user` LabelUser
        - `uuid` string — The public UUID of the label-user.
        - `display_name` string — The name to be displayed for this user, as it was given on the request.
        - `country` string — The country of the user. 000 stands for "unknown"
        - `avatar` Avatar
          - `uuid` string — The public UUID of the avatar.
          - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
          - `image` Image[] — The actual image information of this avatar.
            - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
            - `content_type` string — The content-type as a MIME filetype.
            - `height` integer — The image height in pixels.
            - `width` integer — The image width in pixels.
          - `style` string — The style (if applicable) for this Avatar.
        - `public_nick_name` string — The current nickname of the user.
      - `label_monetary_account` LabelMonetaryAccount
        - `iban` string — The IBAN of the monetary account.
        - `display_name` string — The name to display with this monetary account.
        - `avatar` Avatar
          - `uuid` string — The public UUID of the avatar.
          - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
          - `image` Image[] — The actual image information of this avatar.
            - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
            - `content_type` string — The content-type as a MIME filetype.
            - `height` integer — The image height in pixels.
            - `width` integer — The image width in pixels.
          - `style` string — The style (if applicable) for this Avatar.
        - `label_user` LabelUser
          - `uuid` string — The public UUID of the label-user.
          - `display_name` string — The name to be displayed for this user, as it was given on the request.
          - `country` string — The country of the user. 000 stands for "unknown"
          - `avatar` Avatar
            - `uuid` string — The public UUID of the avatar.
            - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
            - `image` Image[] — The actual image information of this avatar.
              - …
            - `style` string — The style (if applicable) for this Avatar.
          - `public_nick_name` string — The current nickname of the user.
        - `country` string — The country of the user. Formatted as a ISO 3166-1 alpha-2 country code.
        - `bunq_me` Pointer
          - `type` string — The alias type, can be: EMAIL|PHONE_NUMBER|IBAN.
          - `value` string — The alias value.
          - `name` string — The alias name.
          - `service` string — The pointer service. Only required for external counterparties.
        - `is_light` boolean — Whether or not the monetary account is light.
        - `swift_bic` string — The BIC used for a SWIFT payment.
        - `swift_account_number` string — The account number used for a SWIFT payment. May or may not be an IBAN.
        - `transferwise_account_number` string — The account number used for a Transferwise payment. May or may not be an IBAN.
        - `transferwise_bank_code` string — The bank code used for a Transferwise payment. May or may not be a BIC.
        - `merchant_category_code` string — The merchant category code.
      - `counter_label_monetary_account` LabelMonetaryAccount
        - `iban` string — The IBAN of the monetary account.
        - `display_name` string — The name to display with this monetary account.
        - `avatar` Avatar
          - `uuid` string — The public UUID of the avatar.
          - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
          - `image` Image[] — The actual image information of this avatar.
            - `attachment_public_uuid` string — The public UUID of the public attachment containing the image.
            - `content_type` string — The content-type as a MIME filetype.
            - `height` integer — The image height in pixels.
            - `width` integer — The image width in pixels.
          - `style` string — The style (if applicable) for this Avatar.
        - `label_user` LabelUser
          - `uuid` string — The public UUID of the label-user.
          - `display_name` string — The name to be displayed for this user, as it was given on the request.
          - `country` string — The country of the user. 000 stands for "unknown"
          - `avatar` Avatar
            - `uuid` string — The public UUID of the avatar.
            - `anchor_uuid` string — The public UUID of object this avatar is anchored to.
            - `image` Image[] — The actual image information of this avatar.
              - …
            - `style` string — The style (if applicable) for this Avatar.
          - `public_nick_name` string — The current nickname of the user.
        - `country` string — The country of the user. Formatted as a ISO 3166-1 alpha-2 country code.
        - `bunq_me` Pointer
          - `type` string — The alias type, can be: EMAIL|PHONE_NUMBER|IBAN.
          - `value` string — The alias value.
          - `name` string — The alias name.
          - `service` string — The pointer service. Only required for external counterparties.
        - `is_light` boolean — Whether or not the monetary account is light.
        - `swift_bic` string — The BIC used for a SWIFT payment.
        - `swift_account_number` string — The account number used for a SWIFT payment. May or may not be an IBAN.
        - `transferwise_account_number` string — The account number used for a Transferwise payment. May or may not be an IBAN.
        - `transferwise_bank_code` string — The bank code used for a Transferwise payment. May or may not be a BIC.
        - `merchant_category_code` string — The merchant category code.
      - `event_id` integer — The id of the event of transaction.
  - `payment_suspended_outgoing` PaymentSuspendedOutgoing
    - `status` string — The status of the payment.
    - `monetary_account_id` string — The ID of the monetary account the payment was sent from.
    - `time_execution` string — The time this payment should be executed.
  - `payment_fee` PaymentFee
    - `value` string — The amount formatted to two decimal places.
    - `currency` string — The currency of the amount. It is an ISO 4217 formatted currency code.
    - `invoice_id` integer — The id of the invoice related to possible payment fee.

## Response `200`

Using Payment, you can send payments to bunq and non-bunq users from your bunq MonetaryAccounts. This can be done using bunq Aliases or IBAN Aliases. When transferring money to other bunq MonetaryAccounts you can also refer to Attachments. These will be received by the counter-party as part of the Payment. You can also retrieve a single Payment or all executed Payments of a specific monetary account.

- PaymentCreate
  - `id` integer — The id of the created Payment.

## Other responses

- `400` — This is how the error response looks like for 4XX response codes

---

[API](https://skmtc.net/bunq/apis/bunq-api.md) · [All operations](https://skmtc.net/bunq/apis/bunq-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/bunq/bunq-api/versions/369477c7bd26/schema)
