---
title: "Send Faster Payment [beta]"
method: POST
path: "/v1/payments/fps/out"
tags: ["Faster payments"]
---

# Send Faster Payment [beta]

`POST /v1/payments/fps/out`

Send a Faster Payments payment.

The Faster Payments System (FPS) is a UK service that allows near-instant electronic money transfers between banks.

**Notes:**
  * Before calling this endpoint, you **must** call [Confirmation of Payee](https://developers.pismo.io/pismo-docs/reference/post-cop-verification) to verify the payee.

  * In case of failure, the transaction is updated with `status` = `CANCELLED`, and the `status_reason` field explains why.

  * If the counterparty bank rejects the transaction, the transaction is still considered `SETTLED` and, when the provider webhook return is processed, a new [FPS out return](https://developers.pismo.io/events/docs/fps-fps-out-return-status-change-1)  event is generated and the amount is credited back to the debtor's account.

  * This endpoint generates a [FPS out payment transaction](https://developers.pismo.io/events/docs/fps-fps-out-status-change-1) event.

## Headers

- `Authorization` string, required
- `Idempotency-key` string, required

## Request body

- FpsOutFpsOutRequest
  - `end_to_end_id` string, required — Client-generated transaction identifier. Must be unique for each transaction.
  - `creditor_account` FpsOutCreditorAccount, required — Creditor's account information
    - `name` string, required — Creditor name.
    - `scheme_name` 'uk-scan' | 'bban' | 'iban', required — Bank scheme that identifies the account. * `uk-scan` - Sort code and account number (SCAN) scheme * `bban` - Basic Bank Account Number scheme * `iban` - International Bank Account Number scheme
    - `identification` string, required — Creditor's scheme value. A scheme identifies an account - UK-SCAN, IBAN, or BBAN. Refer to `schemeName` for details. * `uk-scan` - Sort code and account number (SCAN) scheme. Format: `sortcode + accountnumber` * `bban` - Basic Bank Account Number scheme. Format: `bankidentifier + branchidentifier + accountnumber` * `iban` - International Bank Account Number scheme. Format: `country code + check digits + bban` For example, for an IBAN account `GB93UBKL12345612345678`, the identification would be: `iban`: `GB93UBKL12345612345678` `bban`: `UBKL12345612345678` `uk-scan`: `12345612345678`
  - `scheme_payment_type` 'ImmediatePayment' | 'StandingOrder' | 'ForwardDatedPayment', required — Payment scheme to be used.<br> * `ImmediatePayment` — Single Immediate Payment (SIP)<br> * `StandingOrder` — Standing Order Payment (SOP)<br> * `ForwardDatedPayment`— Forward Dated Payment (FDP)<br>
  - `currency` FpsOutCurrency, required
    - `amount` number, double, required — Fee amount.
    - `code` 'GBP' — Transaction currency (ISO 4217 3-letter code).
  - `remittance_information` FpsOutRemittanceInformation
    - `reference` string — Remittance reference.

## Response `201`

Response Body

- FpsOutFpsOutResponse
  - `end_to_end_id` string — Client-generated transaction identifier. Must be unique for each transaction.
  - `status` 'CREATED' | 'PROCESSING' | 'SETTLED' | 'CANCELLED' | 'HOLD' — - `CREATED` - Payment has been created and is pending processing - `PROCESSING` - P2P balance was impacted and waiting for provider confirmation. For cashin, the transaction means the money will be credited on the next Working Day - `SETTLED` - Transaction completed processing and is settled - `CANCELLED` - Something went wrong and the transaction is cancelled. Refer to `reason` for more details - `HOLD` - The payment is on hold, pending further review

## Other responses

- `400` — Bad Request
- `403` — Forbidden
- `404` — Not Found
- `409` — Conflict
- `429` — Too Many Requests
- `500` — Internal Server Error
- `502` — Bad Gateway

---

[API](https://skmtc.net/pismo/apis/platform-authentication.md) · [All operations](https://skmtc.net/pismo/apis/platform-authentication/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/pismo/platform-authentication/revisions/935b62e16de4/schema)