---
title: "Create Peer To Peer Payment Request"
method: POST
path: "/v2/payments/p2p/"
tags: ["payments"]
---

# Create Peer To Peer Payment Request

`POST /v2/payments/p2p/`

Initiate a peer-to-peer transfer between two consumers on the authenticated partner's network. Both accounts must be active secured-card accounts. Returns `pending_review` instead of an error when the sender exceeds the daily velocity limit (2 transfers per 24 hours).

## Headers

- `Authorization` string, required

## Request body

- CreateP2PPaymentRequest — Request body for creating a P2P payment between two consumers.
  - `originating_account_id` string, uuid, required — External ID of the sending consumer's secured-card account.
  - `receiving_account_id` string, uuid, required — External ID of the receiving consumer's secured-card account.
  - `amount` number, double, required — Transfer amount in USD. Minimum 1.00. Maximum set by partner configuration.
  - `description` string — Optional memo visible in both consumers' transaction history.

## Response `201`

Payment created successfully

- CreateP2PPaymentResponse — Response returned when a P2P payment is created.
  - `id` string, uuid, required — Unique identifier for this P2P payment. Use it to poll status or retrieve details.
  - `originating_account_id` string, required — External ID of the sending account.
  - `receiving_account_id` string, required — External ID of the receiving account.
  - `amount` number, double, required — Transfer amount in USD.
  - `status` 'pending' | 'posted' | 'pending_review' | 'error', required — Current payment status. `pending_review` means the payment is held for compliance review (velocity limit exceeded) and will be processed once approved.
  - `description` string — Memo provided at creation time.

## Other responses

- `422` — Validation failed

---

[API](https://skmtc.net/upwardli/apis/api-reference.md) · [All operations](https://skmtc.net/upwardli/apis/api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/upwardli/api-reference/revisions/8a237f1f704f/schema)