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v1

latestOpenAPI 3.1.02026-07-241653251.3 MB
Payments

Create payment

Creates a fiat pre-fund/settlement or a crypto payout. The request body must match one of the four documented shapes; submitting both total and quantity on a payout is rejected.

post/payments

Headers

X-SCX-SIGNEDstring required

HMAC-SHA256 signature of the request, base64-encoded. See the Authentication guide for the exact signing formula.

X-SCX-TIMESTAMPstring required
Example:1678901234

Current Unix timestamp in seconds. Must be within 60 seconds of server time or the request is rejected.

X-Simulator-Scenariostring

Optional value to simulate specific success/failure scenarios in the certification environment. Has no effect in production.

Request body

OR
OR
OR

Example request

{
  "participant_code": "ABCDEF",
  "external_account_id": "12f4b661-1f36-4624-a13c-b0822d2ba1e1",
  "currency": "USD",
  "amount": "250",
  "transfer_type": "debit",
  "network": [
    "same_day_ach"
  ],
  "description": "prefund",
  "account_label": "general",
  "ach_agreement_acceptance": {
    "timestamp": 1777895506000,
    "version": "1"
  }
}

Response

Successfully created payment. Returns the created resource with generated IDs and timestamps.

OR

Example response

{
  "request_id": "a8eaccdf-7876-4123-94ed-125d8ec0bd1a",
  "transaction_id": "9dc8b28e-92d4-4728-8777-d2f278e4bafc",
  "external_account_id": "12f4b661-1f36-4624-a13c-b0822d2ba1e1",
  "description": "pre-fund",
  "amount": "250",
  "status": "submitted",
  "transfer_type": "debit",
  "network": "same_day_ach",
  "participant_code": "ABCDEF",
  "account_label": "general",
  "currency": "USD",
  "created_at": "2026-05-04T11:00:26.260Z",
  "ach_agreement_acceptance": {
    "timestamp": 1777895506,
    "version": "1"
  }
}