> ## Documentation Index > Fetch the complete documentation index at: https://docs.finventi.com/llms.txt > Use this file to discover all available pages before exploring further. # Initiate payment > Initiates a new SEPA payment (SCT or SCT_INST). Returns 202 Accepted when the request is queued for processing. ## OpenAPI ````yaml post /v1/payments openapi: 3.0.3 info: title: Ledger Client API version: 1.0.0 description: API for ledger operations - parties, accounts, transactions servers: [] security: [] tags: - name: Account Statements description: Retrieve account transaction history - name: Accounts description: Account management operations - name: Open Banking - Accounts description: PSD2 Account Information Service (AIS) - Account endpoints - name: Open Banking - Funds Confirmation description: PSD2 Confirmation of Funds Service (PIIS) - name: Open Banking - Payments description: PSD2 Payment Initiation Service (PIS) - name: Open Banking - Transactions description: PSD2 Account Information Service (AIS) - Transaction endpoints - name: Parties description: Party management operations - name: Payments description: Payment operations - name: Transaction Postings description: Retrieve transaction postings - name: Transactions description: Transaction execution operations paths: /v1/payments: post: tags: - Payments summary: Initiate payment description: Initiates a new payment parameters: - description: >- Client-provided idempotency key. UUID v4 suggested, max 255 characters. example: 550e8400-e29b-41d4-a716-446655440000 required: true name: Idempotency-Key in: header schema: maxLength: 255 pattern: \S type: string requestBody: description: Payment creation request content: application/json: examples: SCT: summary: SEPA Credit Transfer value: source: CLIENT paymentScheme: SCT debtor: accountId: 019bdb2a-960f-789d-8955-21720e6cdeef creditor: name: Jane Smith account: iban: DE89370400440532013000 agent: DEUTDEFFXXX instructedAmount: amount: 10000 currency: EUR endToEndId: E2E-123456 remittanceInformation: 'Invoice payment #12345' SCT_INST: summary: SEPA Instant Credit Transfer value: source: CLIENT paymentScheme: SCT_INST debtor: accountId: 019bdb2a-960f-789d-8955-21720e6cdeef creditor: name: Jane Smith account: iban: DE89370400440532013000 agent: DEUTDEFFXXX instructedAmount: amount: 5000 currency: EUR endToEndId: E2E-INST-789 remittanceInformation: Urgent payment INTERNAL: summary: Internal transfer between accounts of the same bank value: source: CLIENT paymentScheme: INTERNAL debtor: accountId: 019bdb2a-960f-789d-8955-21720e6cdeef creditor: name: John Doe account: iban: LT647044001231465456 instructedAmount: amount: 25000 currency: EUR remittanceInformation: Internal transfer SWIFT: summary: SWIFT cross-border payment value: source: CLIENT paymentScheme: SWIFT debtor: accountId: 019bdb2a-960f-789d-8955-21720e6cdeef creditor: name: Acme Corp account: iban: GB29NWBK60161331926819 agent: NWBKGB2LXXX address: country: GB townName: London streetName: Threadneedle St buildingNumber: '1' postCode: EC2R 8AH instructedAmount: amount: 100000 currency: USD endToEndId: E2E-SWIFT-001 remittanceInformation: 'Invoice payment #67890' priority: NORM settlement: date: '2026-04-30T00:00:00.000Z' method: INDA priority: NORM schema: $ref: '#/components/schemas/CreatePaymentRequest' required: true responses: '202': description: Payment initiation accepted content: application/json: schema: $ref: '#/components/schemas/AcceptedResponse' '400': description: >- Validation failed. See [Error Handling](/ledger/error-handling) for the response shape. content: application/problem+json: schema: oneOf: - $ref: '#/components/schemas/ValidationProblem' - $ref: '#/components/schemas/Problem' '500': description: Internal server error content: application/problem+json: schema: $ref: '#/components/schemas/Problem' components: schemas: CreatePaymentRequest: description: Request to create a payment transaction required: - remittanceInformation type: object properties: paymentScheme: description: Payment scheme type: string allOf: - $ref: '#/components/schemas/PaymentScheme' example: SCT debtor: description: >- Debtor (payer) details. Exactly one of accountId or iban must be provided. type: object allOf: - $ref: '#/components/schemas/Debtor' creditor: description: Creditor (payee) information type: object allOf: - $ref: '#/components/schemas/Creditor' instructedAmount: description: Payment amount type: object allOf: - $ref: '#/components/schemas/InstructedAmount' endToEndId: description: End-to-end identifier type: string example: E2E-123456 nullable: true remittanceInformation: description: Payment description/reference pattern: \S type: string example: 'Invoice payment #12345' source: description: Business source that initiated the payment default: CLIENT enum: - CLIENT - PLAIS type: string allOf: - $ref: '#/components/schemas/Source' example: CLIENT priority: description: Payment priority. SWIFT-only. Defaults to NORM. type: string allOf: - $ref: '#/components/schemas/Priority' example: NORM nullable: true settlement: description: Settlement details. Required for SWIFT. type: object allOf: - $ref: '#/components/schemas/Settlement' nullable: true paymentSource: description: Customer ledger account source for payment funds default: CURRENT enum: - CURRENT - HOLDING type: string allOf: - $ref: '#/components/schemas/PaymentSource' example: CURRENT AcceptedResponse: description: Response for accepted asynchronous requests type: object properties: correlationId: description: Correlation identifier for tracking the request through events type: string example: 550e8400-e29b-41d4-a716-446655440000 ValidationProblem: description: >- RFC 9457 problem details with a `violations` array describing each failed constraint. required: - status - title - instance - violations type: object properties: status: format: int32 description: HTTP status code type: integer example: 400 title: description: Short, human-readable summary of the problem type type: string instance: description: URI reference identifying this occurrence of the problem type: string violations: description: List of validation constraint violations type: array items: $ref: '#/components/schemas/Violation' Problem: description: >- RFC 9457 problem details. See [Error Handling](/ledger/error-handling) for the response shape. required: - status - title - instance type: object properties: status: format: int32 description: HTTP status code type: integer example: 500 title: description: Short, human-readable summary of the problem type type: string instance: description: URI reference identifying this occurrence of the problem type: string detail: description: >- Human-readable explanation specific to this occurrence of the problem type: string nullable: true PaymentScheme: description: Payment scheme type enum: - SCT - SCT_INST - INTERNAL - SWIFT type: string Debtor: type: object properties: accountId: format: uuid description: Debtor's account ID pattern: >- [a-fA-F0-9]{8}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{12} type: string example: 019bdb2a-960f-789d-8955-21720e6cdeef nullable: true iban: description: Debtor's IBAN pattern: ^[A-Z]{2}[0-9]{2}[A-Za-z0-9]{6,30}$ type: string example: LT647044001231465456 nullable: true Creditor: description: Creditor (payee) details required: - name type: object properties: name: description: Creditor name pattern: \S type: string example: Jane Smith account: description: Creditor account details type: object allOf: - $ref: '#/components/schemas/CreditorAccount' agent: description: Creditor's bank BIC type: string example: REVOLT21 nullable: true address: description: Creditor address. Required for SWIFT. type: object allOf: - $ref: '#/components/schemas/Address1' nullable: true InstructedAmount: description: Payment amount details required: - currency type: object properties: amount: description: Amount in minor units (cents) minimum: 0 exclusiveMinimum: true type: integer example: 10000 currency: description: Currency code (ISO 4217) pattern: \S type: string example: EUR Source: description: Business source that initiated the payment enum: - CLIENT - PLAIS type: string Priority: description: Top-level payment priority (SWIFT only) enum: - NORM - HIGH type: string Settlement: description: Settlement details (SWIFT only) type: object properties: date: format: date description: Settlement date type: string example: '2026-04-30T00:00:00.000Z' method: description: Settlement method. Defaults to INDA. type: string allOf: - $ref: '#/components/schemas/SettlementMethod' example: INDA priority: description: Settlement priority. Defaults to NORM. type: string allOf: - $ref: '#/components/schemas/SettlementPriority' example: NORM PaymentSource: description: Customer ledger account source for payment funds enum: - CURRENT - HOLDING type: string Violation: description: Single validation constraint violation required: - field - in - message type: object properties: field: description: Name of the field that failed validation type: string in: description: Part of the HTTP request where the violation occurred enum: - query - path - header - form - body type: string message: description: Human-readable description of the violation type: string CreditorAccount: description: Creditor account information required: - iban type: object properties: iban: description: Creditor IBAN pattern: ^[A-Z]{2}[0-9]{2}[A-Za-z0-9]{6,30}$ type: string example: DE89370400440532013000 Address1: description: Address details. SWIFT requires country and townName. type: object properties: country: description: ISO 3166-1 alpha-2 country code type: string example: US nullable: true townName: description: Town name type: string example: New York nullable: true streetName: description: Street name type: string example: Wall St nullable: true buildingNumber: description: Building number type: string example: '11' nullable: true postCode: description: Postal code type: string example: '10005' nullable: true SettlementMethod: description: Settlement method (SWIFT only) enum: - INDA - INGA type: string SettlementPriority: description: Settlement priority (SWIFT only) enum: - URGT - HIGH - NORM type: string ````