---
title: "Create outbound payment for a customer"
method: POST
path: "/v1/accounts/{account_id}/payments"
tags: ["Payments"]
---

# Create outbound payment for a customer

`POST /v1/accounts/{account_id}/payments`

Create outbound payment for a customer

## Path parameters

- `account_id` string, uuid, required

## Headers

- `Idempotency-Key` string, uuid, required

## Request body

- CreateCustomerPaymentRequest — Parameters required to create a payment.
  - `amount` integer, required — Payment amount.
  - `beneficiary` PaymentDetails, required — Account details of the payment beneficiary.
    - `account_holder_name` string, string, required — Name of the beneficiary account. **Note:** When the `beneficiary_type` is `individual`, the name may not contain any digits. **Note:** When the payment currency is `USD`, max length 35 characters.
    - `account_identifier` union, required
      - object
        - `iban` string, string, required
      - object
        - `wire` WireBankDetails, required
          - `account_number` string, string, required
          - `routing_number` string, string, required
      - object
        - `scan` ScanDetails, required
          - `account_number` string, string, required
          - `sort_code` string, string, required
    - `address` Address, required
      - `country_code` string, string, required
      - `line_1` string, string, required
      - `line_2` string, string, nullable — ***optional*** for `AED` payments but ***mandatory*** for `USD` payments
      - `line_3` string, string, nullable
      - `line_4` string, string, nullable
    - `bank` BeneficiaryBank — Bank details of payment beneficiary bank.
      - `branch` string, string, nullable — The branch of the bank where the beneficiary account is held.
      - `code` string, nullable — The BIC code of the bank where the beneficiary account is held. Optional for AED payments. Mandatory for USD payments.
      - `intermediary_bank` IntermediaryBank
        - `account_number` string, string, nullable
        - `code` string, required — BIC Code to identify a bank.
    - `date_of_birth` string, date, nullable
    - `email` string, string, nullable — The beneficiary's email address.
    - `identification` union — The identification field is **not** required. When provided, then all UAE_ID fields or PASSPORT fields are required.
      - object
        - `number` string, string, required
        - `type` 'uae_id', required
      - object
        - `country_of_issue` string, string, required
        - `number` string, string, required
        - `type` 'passport', required
    - `nationality` string, string, nullable
    - `phone` string, string, nullable — The beneficiary's phone number.
    - `type` 'individual' | 'business', required
  - `external_id` string, string, nullable — External ID set by the customer. The external ID will be available on all resources related to the transaction if set when creating the transaction.
  - `external_reference` string, required — Payment reference for the payment.
  - `purpose` 'charity' | 'commercial_investment' | 'corporate_card' | 'credit_card' | 'dividend' | 'family' | 'financial_services' | 'goods_sold' | 'goods_bought' | 'government' | 'insurance' | 'intergroup_transfer' | 'intra_group_dividends' | 'information_technology' | 'leasing' | 'loan_charges' | 'merchant_settlement' | 'mobile_wallet' | 'non_resident_transfer_between_accounts' | 'none' | 'pension' | 'personal_expenses' | 'prepaid_cards' | 'professional' | 'rental' | 'resident_transfer_between_accounts' | 'salaries' | 'tax' | 'telecommunications' | 'travel' | 'utility_bill', required — Enum representing different payment purposes.

## Response `202`

Customer payment has been accepted

- CreatePaymentResponse
  - `transaction_id` string, uuid, required — Id of the created payment.

## Other responses

- `400` — Unable to complete request with data provided
- `404` — Account not found
- `409` — Idempotency-Key concurrency conflict
- `422` — Idempotency-Key reuse for a different request

---

[API](https://skmtc.net/lorum/apis/auth-api.md) · [All operations](https://skmtc.net/lorum/apis/auth-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lorum/auth-api/revisions/f9b8935027e3/schema)