Request payment oversight decision

{
  "id": "019bdb2a-960f-789d-8955-21720e6cdef0",
  "debtor": {
    "name": "John Doe",
    "iban": "LT601010012345678901",
    "currency": "EUR",
    "agent": "REVOLT21",
    "address": {
      "townName": "Vilnius",
      "streetName": "Gedimino pr.",
      "buildingNumber": "1",
      "postCode": "01103",
      "country": "LT"
    }
  },
  "creditor": {
    "name": "Jane Smith",
    "iban": "DE89370400440532013000",
    "currency": "EUR",
    "agent": "DEUTDEFF",
    "address": {
      "townName": "Vilnius",
      "streetName": "Gedimino pr.",
      "buildingNumber": "1",
      "postCode": "01103",
      "country": "LT"
    }
  },
  "amount": 10000,
  "currency": "EUR",
  "remittanceInformation": "Invoice payment #12345",
  "status": "PENDING",
  "scheme": "SCT",
  "direction": "OUTBOUND",
  "source": "CLIENT",
  "createdAt": "2024-01-15T10:30:00.000Z",
  "updatedAt": "2024-01-15T10:30:00.000Z",
  "debtorPartyId": "019bdb2a-960f-789d-8955-21720e6cdef1",
  "debtorAccountId": "019bdb2a-960f-789d-8955-21720e6cdef2",
  "creditorPartyId": "019bdb2a-960f-789d-8955-21720e6cdef3",
  "creditorAccountId": "019bdb2a-960f-789d-8955-21720e6cdef4",
  "endToEndId": "E2E-123456",
  "settlementDate": "2024-01-15T00:00:00.000Z"
}

{
  "outcome": "ACCEPTED",
  "postings": [
    {
      "destination": "INTERNAL:CLEARING:FEES",
      "amount": 100,
      "details": "Transaction fee",
      "type": "FEES"
    }
  ]
}

WEBHOOK

oversightDecision

{
  "id": "019bdb2a-960f-789d-8955-21720e6cdef0",
  "debtor": {
    "name": "John Doe",
    "iban": "LT601010012345678901",
    "currency": "EUR",
    "agent": "REVOLT21",
    "address": {
      "townName": "Vilnius",
      "streetName": "Gedimino pr.",
      "buildingNumber": "1",
      "postCode": "01103",
      "country": "LT"
    }
  },
  "creditor": {
    "name": "Jane Smith",
    "iban": "DE89370400440532013000",
    "currency": "EUR",
    "agent": "DEUTDEFF",
    "address": {
      "townName": "Vilnius",
      "streetName": "Gedimino pr.",
      "buildingNumber": "1",
      "postCode": "01103",
      "country": "LT"
    }
  },
  "amount": 10000,
  "currency": "EUR",
  "remittanceInformation": "Invoice payment #12345",
  "status": "PENDING",
  "scheme": "SCT",
  "direction": "OUTBOUND",
  "source": "CLIENT",
  "createdAt": "2024-01-15T10:30:00.000Z",
  "updatedAt": "2024-01-15T10:30:00.000Z",
  "debtorPartyId": "019bdb2a-960f-789d-8955-21720e6cdef1",
  "debtorAccountId": "019bdb2a-960f-789d-8955-21720e6cdef2",
  "creditorPartyId": "019bdb2a-960f-789d-8955-21720e6cdef3",
  "creditorAccountId": "019bdb2a-960f-789d-8955-21720e6cdef4",
  "endToEndId": "E2E-123456",
  "settlementDate": "2024-01-15T00:00:00.000Z"
}

{
  "outcome": "ACCEPTED",
  "postings": [
    {
      "destination": "INTERNAL:CLEARING:FEES",
      "amount": 100,
      "details": "Transaction fee",
      "type": "FEES"
    }
  ]
}

Response Handling

Ledger expects a 200 response with an OversightResponse body. The outcome field determines whether the payment is accepted or rejected. Fallback behavior — If your endpoint returns a non-200 status code, an invalid response body, or times out, Ledger applies a fallback based on payment direction:

Outbound payments — Ledger rejects the payment with rejection code MS03.
Inbound payments — Ledger accepts the payment with no additional postings.

Accepting a payment

Return outcome: "ACCEPTED" with an optional array of additional postings to execute alongside the payment.

array

Additional postings to execute alongside the payment

Show Posting object properties

string

required

Destination account address (e.g., INTERNAL:CLEARING:FEES)

integer

required

Amount in minor units (cents)

string

required

Description or reason for the posting

The source account for each posting defaults to the party’s account from the payment — the debtor account for outgoing payments and the creditor account for incoming payments. Only the destination needs to be specified.

The currency from the payment is used for all postings — no need to specify it in the response.

Accept with additional postings:

200

{
  "outcome": "ACCEPTED",
  "postings": [
    {
      "destination": "INTERNAL:CLEARING:FEES",
      "amount": 100,
      "details": "Transaction fee"
    }
  ]
}

Accept without additional postings:

200

{
  "outcome": "ACCEPTED"
}

Rejecting a payment

Return outcome: "REJECTED" with an optional rejection code. If the code is not provided or unrecognized, it defaults to MS03.

string

Rejection reason code. Optional — defaults to MS03 if omitted. Supported values:

Code	Description
`AG01`	Credit transfer forbidden on this type of account
`AG02`	Invalid operation code or transaction format
`AM05`	Duplicate payment
`BE04`	Invalid account address
`MD07`	Beneficiary deceased
`MS02`	By order of the beneficiary
`MS03`	Reason not specified (default)
`RR01`	Missing debtor account or identification
`RR02`	Missing debtor name or address
`RR03`	Missing creditor name or address
`RR04`	Other regulatory reason (AML, sanctions screening, etc.)

200

{
  "outcome": "REJECTED",
  "rejectionCode": "RR04"
}

Body

application/json

Payment oversight decision request

string<uuid>

required

Payment 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}

Example:

"019bdb2a-960f-789d-8955-21720e6cdef0"

debtor

object

required

Debtor details

Show child attributes

creditor

object

required

Creditor details

Show child attributes

amount

integer

required

Payment amount in minor units

Example:

10000

currency

string

required

Currency code

Example:

"EUR"

remittanceInformation

string

required

Payment description/reference

Example:

"Invoice payment #12345"

status

enum<string>

required

Payment status

Available options:

PENDING

Example:

"PENDING"

scheme

enum<string>

required

Payment scheme

Available options:

SCT,

SCT_INST,

INTERNAL,

SWIFT

Example:

"SCT"

direction

enum<string>

required

Payment direction

Available options:

INBOUND,

OUTBOUND

Example:

"OUTBOUND"

source

enum<string>

required

Business source that initiated the payment

Available options:

CLIENT,

PLAIS,

EXTERNAL_BANK

Example:

"CLIENT"

createdAt

string<date-time>

required

Creation timestamp

Example:

"2024-01-15T10:30:00.000Z"

updatedAt

string<date-time>

required

Last update timestamp

Example:

"2024-01-15T10:30:00.000Z"

debtorPartyId

string<uuid> | null

Debtor party 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}

Example:

"019bdb2a-960f-789d-8955-21720e6cdef1"

debtorAccountId

string<uuid> | null

Debtor 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}

Example:

"019bdb2a-960f-789d-8955-21720e6cdef2"

creditorPartyId

string<uuid> | null

Creditor party 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}

Example:

"019bdb2a-960f-789d-8955-21720e6cdef3"

creditorAccountId

string<uuid> | null

Creditor 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}

Example:

"019bdb2a-960f-789d-8955-21720e6cdef4"

endToEndId

string | null

End-to-end identifier

Example:

"E2E-123456"

settlementDate

string<date> | null

Settlement date

Example:

"2024-01-15T00:00:00.000Z"

Response

200 - application/json

Oversight decision

Option 1
Option 2

Oversight decision response

outcome

enum<string>

required

Decision outcome

Available options:

ACCEPTED

Example:

"ACCEPTED"

postings

object[] | null

Additional postings to execute (present when accepted)

Show child attributes

rejectionCode

enum<string> | null

Rejection code

Available options:

AG01,

AG02,

AM05,

BE04,

MD07,

MS02,

MS03,

RR01,

RR02,

RR03,

RR04

Last modified on February 18, 2026

⌘I

Getting Started

Parties

Accounts

Account Statements

Payments

Transactions

Transaction Postings

Oversight

Webhooks

Response Handling

Accepting a payment

Rejecting a payment

Body

Response

​Response Handling

​Accepting a payment

​Rejecting a payment

Body

Response

Response Handling

Accepting a payment

Rejecting a payment