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v1

latestOpenAPI 3.1.02026-07-26165182724.7 KB

Initiate SEPA Payment

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

post/wallets/send/initiate/bank

Headers

api-keystring required

api-key is available on the dashboard

Authorizationstring required

Request body

userIdstring required

The Id of the user who is sending this transaction

sourceAccountIdstring required

The Id of the account to debit

memostring

An optional memo - Alphanumeric string upto 15 characters in length

amountstring required

The amount denominated in the smallest divisible unit of the sending currency. For example: cents or satoshis

fixedFeestring

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.

percentFeeBpsstring

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.

paymentTypestring

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.

whitelistedIbanIdstring

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

challengeIdstring
dateExpiresstring

Example response

{
  "challengeId": "da508da0-73be-4679-be68-11512b0a73e3",
  "dateExpires": "2023-08-22T09:35:38.187Z",
  "transaction": {
    "syncedOwnerId": "b2ccf978-2da7-4ac9-9db7-5398c4c6b212",
    "sourceAccountId": "0148ae0856b1457ff3b59f2ac965b58e",
    "iban": "BE17967054713521",
    "bic": "TRWIBEB1XXX",
    "amount": "959606",
    "memo": "evolve",
    "status": "PENDING_2FA_CONFIRMATION",
    "txType": "SEPA_PAYOUT_INITIATED",
    "parentWalletId": "e1f5dca0-b78b-4695-8752-81b172a2ea90",
    "currency": "EUR"
  },
  "feeEstimate": {
    "totalFee": "20094",
    "networkFee": "0",
    "ourFee": "0",
    "theirFee": "20094",
    "feeCurrency": "EUR",
    "fixedFeeDetails": {
      "amount": "500",
      "exchangeRate": "1",
      "appliedFeeCents": "100"
    },
    "percentageFeeDetails": {
      "amount": "19594",
      "appliedFeeBps": "100"
    }
  }
}