--- title: "Create a payment" method: POST path: "/payment_initiation/payment/create" tags: ["plaid"] --- # Create a payment `POST /payment_initiation/payment/create` After creating a payment recipient, you can use the `/payment_initiation/payment/create` endpoint to create a payment to that recipient. Payments can be one-time or standing order (recurring) and can be denominated in EUR, GBP, or another chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency). If making domestic GBP-denominated payments, your recipient must have been created with Bacs numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day. Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient's account, although at least 90% of standing order payments are sent by 6am. ## Request body - PaymentInitiationPaymentCreateRequest — PaymentInitiationPaymentCreateRequest defines the request schema for `/payment_initiation/payment/create` - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body. - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body. - `recipient_id` string, required — The ID of the recipient the payment is for. - `reference` string, required — A reference for the payment. This must be an alphanumeric string with at most 18 characters and must not contain any special characters (since not all institutions support them). In order to track settlement via Payment Confirmation, each payment must have a unique reference. If the reference provided through the API is not unique, Plaid will adjust it. Some institutions may limit the reference to less than 18 characters. If necessary, Plaid will adjust the reference by truncating it to fit the institution's requirements. Both the originally provided and automatically adjusted references (if any) can be found in the `reference` and `adjusted_reference` fields, respectively. - `amount` PaymentAmount, required — The amount and currency of a payment - `currency` 'GBP' | 'EUR' | 'PLN' | 'SEK' | 'DKK' | 'NOK', required — The ISO-4217 currency code of the payment. For standing orders and payment consents, `"GBP"` must be used. For Poland, Denmark, Sweden and Norway, only the local currency is currently supported. - `value` number, double, required — The amount of the payment. Must contain at most two digits of precision e.g. `1.23`. Minimum accepted value is `1`. - `schedule` ExternalPaymentScheduleRequest, nullable — The schedule that the payment will be executed on. If a schedule is provided, the payment is automatically set up as a standing order. If no schedule is specified, the payment will be executed only once. - `interval` 'WEEKLY' | 'MONTHLY', required — The frequency interval of the payment. - `interval_execution_day` integer, required — The day of the interval on which to schedule the payment. If the payment interval is weekly, `interval_execution_day` should be an integer from 1 (Monday) to 7 (Sunday). If the payment interval is monthly, `interval_execution_day` should be an integer indicating which day of the month to make the payment on. Integers from 1 to 28 can be used to make a payment on that day of the month. Negative integers from -1 to -5 can be used to make a payment relative to the end of the month. To make a payment on the last day of the month, use -1; to make the payment on the second-to-last day, use -2, and so on. - `start_date` string, date, required — A date in [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). Standing order payments will begin on the first `interval_execution_day` on or after the `start_date`. If the first `interval_execution_day` on or after the start date is also the same day that `/payment_initiation/payment/create` was called, the bank *may* make the first payment on that day, but it is not guaranteed to do so. - `end_date` string, date, nullable — A date in [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). Standing order payments will end on the last `interval_execution_day` on or before the `end_date`. If the only `interval_execution_day` between the start date and the end date (inclusive) is also the same day that `/payment_initiation/payment/create` was called, the bank *may* make a payment on that day, but it is not guaranteed to do so. - `adjusted_start_date` string, date, nullable — The start date sent to the bank after adjusting for holidays or weekends. Will be provided in [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). If the start date did not require adjustment, this field will be `null`. - `options` ExternalPaymentOptions, nullable — Additional payment options - `request_refund_details` boolean, nullable — When `true`, Plaid will attempt to request refund details from the payee's financial institution. Support varies between financial institutions and will not always be available. If refund details could be retrieved, they will be available in the `/payment_initiation/payment/get` response. - `iban` string, nullable — The International Bank Account Number (IBAN) for the payer's account. Where possible, the end user will be able to send payments only from the specified bank account if provided. - `bacs` PaymentInitiationOptionalRestrictionBacs, nullable — An object containing a Bacs account number and sort code. If an IBAN is not provided or if you need to accept domestic GBP-denominated payments, Bacs data is required. - `account` string — The account number of the account. Maximum of 10 characters. - `sort_code` string — The 6-character sort code of the account. - `scheme` 'null' | 'LOCAL_DEFAULT' | 'LOCAL_INSTANT' | 'SEPA_CREDIT_TRANSFER' | 'SEPA_CREDIT_TRANSFER_INSTANT', nullable — Payment scheme. If not specified - the default in the region will be used (e.g. `SEPA_CREDIT_TRANSFER` for EU). In responses, if the scheme is not explicitly specified in the request, this value will be `null`. Using unsupported values will result in a failed payment. `LOCAL_DEFAULT`: The default payment scheme for the selected market and currency will be used. `LOCAL_INSTANT`: The instant payment scheme for the selected market and currency will be used (if applicable). Fees may be applied by the institution. `SEPA_CREDIT_TRANSFER`: The standard payment to a beneficiary within the SEPA area. `SEPA_CREDIT_TRANSFER_INSTANT`: Instant payment within the SEPA area. May involve additional fees and may not be available at some banks. ## Response `200` OK - PaymentInitiationPaymentCreateResponse — PaymentInitiationPaymentCreateResponse defines the response schema for `/payment_initiation/payment/create` - `payment_id` string, required — A unique ID identifying the payment - `status` 'PAYMENT_STATUS_INPUT_NEEDED', required — For a payment returned by this endpoint, there is only one possible value: `PAYMENT_STATUS_INPUT_NEEDED`: The initial phase of the payment - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive. ## Other responses - `default` — Error response --- [API](https://skmtc.net/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.net/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/revisions/64c4514ea59b/schema)