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POST
/
open-banking
/
v1
/
payments
/
{payment-product}
Payment initiation request
curl --request POST \
  --url https://api.example.com/open-banking/v1/payments/{payment-product} \
  --header 'Content-Type: application/json' \
  --header 'PSU-IP-Address: <psu-ip-address>' \
  --header 'X-Request-ID: <x-request-id>' \
  --data '
{
  "debtorAccount": {
    "iban": "DE40100100103307118608",
    "bban": "1234567890",
    "pan": "5409050000000000",
    "maskedPan": "123456xxxxxx1234",
    "msisdn": "+49170123456",
    "currency": "EUR"
  },
  "instructedAmount": {
    "currency": "EUR",
    "amount": "123.50"
  },
  "creditorAccount": {
    "iban": "DE40100100103307118608",
    "bban": "1234567890",
    "pan": "5409050000000000",
    "maskedPan": "123456xxxxxx1234",
    "msisdn": "+49170123456",
    "currency": "EUR"
  },
  "creditorName": "Merchant AG",
  "endToEndIdentification": "Payment-123",
  "creditorAgent": "DEUTDEDBFRA",
  "remittanceInformationUnstructured": "Ref Number Merchant",
  "requestedExecutionDate": "2025-12-01"
}
'
{
  "transactionStatus": "RCVD",
  "paymentId": "1234-payment-567",
  "_links": {
    "scaRedirect": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "scaOAuth": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "confirmation": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "startAuthorisation": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "startAuthorisationWithPsuIdentification": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "updatePsuIdentification": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "startAuthorisationWithProprietaryData": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "updateProprietaryData": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "startAuthorisationWithPsuAuthentication": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "updatePsuAuthentication": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "updateAdditionalPsuAuthentication": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "startAuthorisationWithEncryptedPsuAuthentication": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "updateEncryptedPsuAuthentication": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "updateAdditionalEncryptedPsuAuthentication": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "startAuthorisationWithAuthenticationMethodSelection": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "selectAuthenticationMethod": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "creditorNameConfirmation": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "self": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "status": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "scaStatus": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "account": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "balances": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "transactions": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "cardAccount": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "cardTransactions": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "transactionDetails": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "first": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "next": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "previous": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "last": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    },
    "download": {
      "href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
    }
  },
  "transactionFees": {
    "currency": "EUR",
    "amount": "123.50"
  },
  "currencyConversionFee": {
    "currency": "EUR",
    "amount": "123.50"
  },
  "estimatedTotalAmount": {
    "currency": "EUR",
    "amount": "123.50"
  },
  "estimatedInterbankSettlementAmount": {
    "currency": "EUR",
    "amount": "123.50"
  },
  "transactionFeeIndicator": true,
  "scaMethods": [
    {
      "authenticationType": "SMS_OTP",
      "authenticationMethodId": "myAuthenticationID",
      "name": "SMS OTP on phone +49160 xxxxx 28",
      "authenticationVersion": "<string>",
      "explanation": "<string>"
    }
  ],
  "psuMessage": "Please check your bank app",
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ]
}

Headers

​
Consent-ID
string | null

Shall be contained if the payment initiation transaction is part of a session, i.e. combined AIS/PIS service

​
PSU-IP-Address
string
required

The forwarded IP Address header field consists of the corresponding HTTP request IP Address field between PSU and TPP

​
X-Request-ID
string
required

ID of the request, unique to the call, as determined by the initiating party

Path Parameters

​
payment-product
string
required

The addressed payment product. Standard products are: sepa-credit-transfers, instant-sepa-credit-transfers, target-2-payments, cross-border-credit-transfers

Body

application/json

Payment initiation request body based on Section 11.1 core payment structures

​
debtorAccount
object
required

Debtor account reference

​
instructedAmount
object
required

Amount to be transferred

​
creditorAccount
object
required

Creditor account reference

​
creditorName
string
required

Name of the creditor

Maximum string length: 70
Example:

"Merchant AG"

​
endToEndIdentification
string | null

End-to-end identification of the payment

Maximum string length: 35
Example:

"Payment-123"

​
creditorAgent
string | null

BIC of the creditor agent (creditor's bank). Optional for SEPA, conditional for cross-border

Example:

"DEUTDEDBFRA"

​
creditorAddress
object

Address of the creditor

​
remittanceInformationUnstructured
string | null

Unstructured remittance information

Maximum string length: 140
Example:

"Ref Number Merchant"

​
requestedExecutionDate
string | null

Requested execution date for future-dated payments in ISODate format

Example:

"2025-12-01"

Response

Payment initiation request was correctly performed

​
transactionStatus
enum<string>
required

ISO 20022 transaction status

Available options:
ACCC,
ACCP,
ACSC,
ACSP,
ACTC,
ACWC,
ACWP,
RCVD,
PDNG,
RJCT,
CANC,
ACFC,
PATC,
PART,
RVCM,
RVNC,
RCVC
Example:

"RCVD"

​
paymentId
string
required

Resource identification of the generated payment initiation resource

Example:

"1234-payment-567"

​
_links
object
required

HATEOAS links

​
transactionFees
object

Transaction fees for the payment initiation, including currency conversion fees if applicable

​
currencyConversionFee
object

Currency conversion fees related to the initiated credit transfer

​
estimatedTotalAmount
object

Estimated total amount to be debited from the debtor account, including fees

​
estimatedInterbankSettlementAmount
object

Estimated amount to be transferred to the payee

​
transactionFeeIndicator
boolean | null

If true, the transaction will involve specific transaction cost

​
scaMethods
object[] | null

Available SCA methods for the PSU, if SCA is required and the PSU has a choice

​
psuMessage
string | null

Text to be displayed to the PSU

Example:

"Please check your bank app"

​
tppMessages
object[] | null

Messages to the TPP on operational issues

Last modified on April 17, 2026