---
title: "Accept a pending transaction"
method: POST
path: "/v1/transactions/{reference}/accept"
tags: ["Transactions"]
---

# Accept a pending transaction

`POST /v1/transactions/{reference}/accept`

The **receiving application** calls this to accept an `AWAITING_ACCEPTANCE` transaction.

On acceptance:
- Sender application's escrow wallet is **debited**.
- Receiver application's escrow wallet is **credited**.
- Two immutable `LedgerEntry` rows are written (DEBIT + CREDIT).
- Transaction status moves to `COMPLETED`.
- Sender is notified via webhook callback URL.

## Path parameters

- `reference` string, required

## Response `200`

Transaction accepted and completed

## Other responses

- `403` — Calling application is not the receiver
- `404` — Transaction not found
- `409` — Transaction is not in AWAITING_ACCEPTANCE state or has expired

---

[API](https://skmtc.net/reflexpay/apis/idaas-identity-as-a-service-api.md) · [All operations](https://skmtc.net/reflexpay/apis/idaas-identity-as-a-service-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/reflexpay/idaas-identity-as-a-service-api/versions/db1f954badfb/schema)