---
title: "Initiate SEPA Payment"
method: POST
path: "/business/send/initiate/bank"
tags: ["wallets"]
---

# Initiate SEPA Payment

`POST /business/send/initiate/bank`

Send funds outwards from a EUR enriched account to another IBAN that is owned by the same person as the account holder.

## Request body

- BusinessInitiateBankTransactionRequest
  - `businessId` string, uuid, required — Unique Id of the business who is sending this transactions
  - `sourceAccountId` string, alpha-numeric, required — The Id of the account to debit
  - `destination` object, required
    - `iban` string, iban, required
    - `bic` string, bic, required
  - `memo` string
  - `amount` string, big-number-amount, required
  - `fixedFee` string
  - `percentFeeBps` string

## Response `200`

success

- BusinessInitiateBankTransactionResponse
  - `challengeId` string, required
  - `dateExpires` string, date-time, required
  - `transaction` object, required
    - `syncedOwnerId` string, uuid
    - `sourceAccountId` string, alpha-numeric
    - `iban` string
    - `bic` string
    - `amount` string, big-number-amount
    - `memo` string, big-number-amount
    - `status` 'USER_CONFIRMED_2FA' | 'PENDING_2FA_CONFIRMATION'
    - `txType` string
    - `parentWalletId` string, uuid
    - `currency` string
  - `feeEstimate` object
    - `totalFee` string, big-number-amount
    - `networkFee` string, big-number-amount
    - `ourFee` string, big-number-amount
    - `theirFee` string, big-number-amount
    - `feeCurrency` string
    - `fixedFeeDetails` object
      - `amount` string, big-number-amount
      - `exchangeRate` string
      - `appliedFeeCents` string, big-number-amount
    - `percentageFeeDetails` object
      - `amount` string, big-number-amount
      - `appliedFeeBps` string, big-number-amount

## 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)