v1

latestOpenAPI 3.1.0Copyright Pismo2026-07-247702,7523.1 MB

Faster payments

Send Faster Payment [beta]

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 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 event is generated and the amount is credited back to the debtor's account.
This endpoint generates a FPS out payment transaction event.

post/v1/payments/fps/out

Headers

Authorizationstring required

Account token - token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a 401 Unauthorized message

Idempotency-keystring required

A UUID (without hyphens) to ensure the operation remains idempotent, allowing for operation repetition without causing unintended effects or duplication. Identifies the transaction on future events.

Request body

end_to_end_idstring required

Client-generated transaction identifier. Must be unique for each transaction.

scheme_payment_type'ImmediatePayment' | 'StandingOrder' | 'ForwardDatedPayment' required

Payment scheme to be used.

ImmediatePayment — Single Immediate Payment (SIP)
StandingOrder — Standing Order Payment (SOP)
ForwardDatedPayment— Forward Dated Payment (FDP)

Example request

{
  "end_to_end_id": "1374f841568e4ff4b3a63b023c170ec",
  "creditor_account": {
    "name": "Len Lease",
    "scheme_name": "iban",
    "identification": "AA00AAA000000000000000"
  },
  "scheme_payment_type": "ImmediatePayment",
  "currency": {
    "amount": 215,
    "code": "GBP"
  },
  "remittance_information": {
    "reference": "Reference information"
  }
}

Response

Response Body

end_to_end_idstring

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

Example response

{
  "end_to_end_id": "1374f841568e4ff4b3a63b023c170ec",
  "status": "PROCESSING"
}