---
title: "Initiate SEPA Payment"
method: POST
path: "/wallets/send/initiate/bank"
---

# Initiate SEPA Payment

`POST /wallets/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.

## Headers

- `api-key` string, required
- `Authorization` string, required

## Request body

- object
  - `userId` string, required — The Id of the user who is sending this transaction
  - `sourceAccountId` string, required — The Id of the account to debit
  - `memo` string — An optional memo - Alphanumeric string upto 15 characters in length
  - `amount` string, required — The amount denominated in the smallest divisible unit of the sending currency. For example: cents or satoshis
  - `destination` object
    - `iban` string, required — IBAN of the recipient - MUST be in the name of the account holder
    - `bic` string, required — BIC of the recipient - MUST be in the name of the account holder
  - `fixedFee` string — Optional fixedFee in Euro cents to override the default application fee configuration. This amount can only be <= the default configured amount for this transaction type.
  - `percentFeeBps` string — Optional percentage fee in bps to override the default application fee configuration. This amount can only be <= the default configured amount for this transaction type.
  - `paymentType` string — Optional "paymentType" to force a payment scheme. Use it only if you absolutely need to, by default all payments go through SEPA_INSTANT if available and if not SEPA. In some rare cases if there is an issue with the scheme, this parameter can force trying with a particular method.
  - `whitelistedIbanId` string — ID of a whitelisted IBAN. if the IBAN is also a Trusted Beneficiary, the `totp` factor becomes available for this payment.
  - `verificationMethod` 'sms' | 'totp' | 'passkey' — SCA factor for this payment — one of `sms` (default), `totp`, or `passkey`. `totp` requires the destination IBAN to be a Trusted Beneficiary.

## Response `200`

200

- object
  - `challengeId` string
  - `dateExpires` string
  - `transaction` object
    - `syncedOwnerId` string
    - `sourceAccountId` string
    - `iban` string
    - `bic` string
    - `amount` string
    - `memo` string
    - `status` string
    - `txType` string
    - `parentWalletId` string
    - `currency` string
  - `feeEstimate` object
    - `totalFee` string
    - `networkFee` string
    - `ourFee` string
    - `theirFee` string
    - `feeCurrency` string
    - `fixedFeeDetails` object
      - `amount` string
      - `exchangeRate` string
      - `appliedFeeCents` string
    - `percentageFeeDetails` object
      - `amount` string
      - `appliedFeeBps` string

---

[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)