---
title: "Create Business Standing Order"
method: POST
path: "/business/create"
tags: ["Business"]
---

# Create Business Standing Order

`POST /business/create`

Create a SWAP_ONLY standing order for a business account. Identical to POST /create except the owner is identified by `businessId` instead of `userId`. `action` must be `SWAP_ONLY` — `SWAP_AND_WITHDRAW` is not yet supported for business accounts.

## Request body

- BusinessStandingOrderCreateRequest
  - `businessId` string, uuid, required — Unique ID of the business for whom a standing order is to be created
  - `accountId` string, required — The account of the business for which deposits are to be monitored and paid out as part of this standing order
  - `whitelistedAddressId` string, uuid — One of the business's whitelisted crypto addresses for which this standing order is to be paid out (REQUIRED if source account is a EUR account and action is SWAP_AND_WITHDRAW, unless destinationCurrency is provided instead for a SWAP_ONLY order)
  - `whitelistedIbanId` string, uuid — ID of a whitelisted destination IBAN to which this standing order is to be paid out (REQUIRED if source account is not a EUR account and action is SWAP_AND_WITHDRAW)
  - `action` 'SWAP_ONLY' | 'SWAP_AND_WITHDRAW' — Whether the standing order should perform a swap only or swap and withdraw on each execution. SWAP_AND_WITHDRAW (default) pays out to a whitelisted address/IBAN after each swap. SWAP_ONLY swaps the deposit into the destination currency in the same wallet and stops — no external payout.
  - `destinationCurrency` string — Destination currency to swap into, honoured only for SWAP_ONLY. When the source account is EUR, selects which crypto the EUR is swapped into. When the source account is crypto, must be EUR or USDC.
  - `fixedFee` string — The fixed fee in cents for the standing order (optional)
  - `percentFeeBps` string — The percentage fee in basis points for the standing order (optional)
  - `verificationMethod` 'sms' | 'totp' | 'passkey' — SCA factor to issue the setup challenge against. Defaults to sms.

## Response `201`

success

- StandingOrderCreateResponse
  - `challengeId` string, uuid, required — Unique challenge ID to be used when confirming the standing order via OTP
  - `dateExpires` string, date-time, required — Date at which this challenge ID expires. If this expires, please create a new standing order. Standing orders are not persisted in storage unless confirmed.
  - `verificationMethod` 'sms' | 'totp' | 'passkey' — SCA factor that the standing-order challenge is bound to (echoes the request, defaults to sms).

## Other responses

- `400` — Bad Request. The request was unacceptable, often due to missing a required parameter.
- `401` — Invalid authentication header
- `500` — Unexpected server error.

---

[API](https://skmtc.net/striga/apis/striga-v1.md) · [All operations](https://skmtc.net/striga/apis/striga-v1/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/striga/striga-v1/revisions/63e57aa7df45/schema)