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",
  "creditorAddress": {
    "country": "DE",
    "department": "Finance Department",
    "subDepartment": "Accounting Unit",
    "streetName": "Hauptstrasse",
    "buildingNumber": "42",
    "buildingName": "Tower A",
    "floor": "3",
    "postBox": "PO Box 123",
    "room": "301",
    "postCode": "60311",
    "townName": "Frankfurt am Main",
    "townLocationName": "Sachsenhausen",
    "districtName": "Bayern",
    "countrySubDivision": "Hessen"
  },
  "remittanceInformationUnstructured": "Ref Number Merchant",
  "requestedExecutionDate": "2025-12-01T00:00:00.000Z"
}
'

import requests

url = "https://api.example.com/open-banking/v1/payments/{payment-product}"

payload = {
    "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",
    "creditorAddress": {
        "country": "DE",
        "department": "Finance Department",
        "subDepartment": "Accounting Unit",
        "streetName": "Hauptstrasse",
        "buildingNumber": "42",
        "buildingName": "Tower A",
        "floor": "3",
        "postBox": "PO Box 123",
        "room": "301",
        "postCode": "60311",
        "townName": "Frankfurt am Main",
        "townLocationName": "Sachsenhausen",
        "districtName": "Bayern",
        "countrySubDivision": "Hessen"
    },
    "remittanceInformationUnstructured": "Ref Number Merchant",
    "requestedExecutionDate": "2025-12-01T00:00:00.000Z"
}
headers = {
    "PSU-IP-Address": "<psu-ip-address>",
    "X-Request-ID": "<x-request-id>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'PSU-IP-Address': '<psu-ip-address>',
    'X-Request-ID': '<x-request-id>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    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',
    creditorAddress: {
      country: 'DE',
      department: 'Finance Department',
      subDepartment: 'Accounting Unit',
      streetName: 'Hauptstrasse',
      buildingNumber: '42',
      buildingName: 'Tower A',
      floor: '3',
      postBox: 'PO Box 123',
      room: '301',
      postCode: '60311',
      townName: 'Frankfurt am Main',
      townLocationName: 'Sachsenhausen',
      districtName: 'Bayern',
      countrySubDivision: 'Hessen'
    },
    remittanceInformationUnstructured: 'Ref Number Merchant',
    requestedExecutionDate: '2025-12-01T00:00:00.000Z'
  })
};

fetch('https://api.example.com/open-banking/v1/payments/{payment-product}', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.example.com/open-banking/v1/payments/{payment-product}",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    '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',
    'creditorAddress' => [
        'country' => 'DE',
        'department' => 'Finance Department',
        'subDepartment' => 'Accounting Unit',
        'streetName' => 'Hauptstrasse',
        'buildingNumber' => '42',
        'buildingName' => 'Tower A',
        'floor' => '3',
        'postBox' => 'PO Box 123',
        'room' => '301',
        'postCode' => '60311',
        'townName' => 'Frankfurt am Main',
        'townLocationName' => 'Sachsenhausen',
        'districtName' => 'Bayern',
        'countrySubDivision' => 'Hessen'
    ],
    'remittanceInformationUnstructured' => 'Ref Number Merchant',
    'requestedExecutionDate' => '2025-12-01T00:00:00.000Z'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "PSU-IP-Address: <psu-ip-address>",
    "X-Request-ID: <x-request-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.example.com/open-banking/v1/payments/{payment-product}"

	payload := strings.NewReader("{\n  \"debtorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"instructedAmount\": {\n    \"currency\": \"EUR\",\n    \"amount\": \"123.50\"\n  },\n  \"creditorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"creditorName\": \"Merchant AG\",\n  \"endToEndIdentification\": \"Payment-123\",\n  \"creditorAgent\": \"DEUTDEDBFRA\",\n  \"creditorAddress\": {\n    \"country\": \"DE\",\n    \"department\": \"Finance Department\",\n    \"subDepartment\": \"Accounting Unit\",\n    \"streetName\": \"Hauptstrasse\",\n    \"buildingNumber\": \"42\",\n    \"buildingName\": \"Tower A\",\n    \"floor\": \"3\",\n    \"postBox\": \"PO Box 123\",\n    \"room\": \"301\",\n    \"postCode\": \"60311\",\n    \"townName\": \"Frankfurt am Main\",\n    \"townLocationName\": \"Sachsenhausen\",\n    \"districtName\": \"Bayern\",\n    \"countrySubDivision\": \"Hessen\"\n  },\n  \"remittanceInformationUnstructured\": \"Ref Number Merchant\",\n  \"requestedExecutionDate\": \"2025-12-01T00:00:00.000Z\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("PSU-IP-Address", "<psu-ip-address>")
	req.Header.Add("X-Request-ID", "<x-request-id>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.example.com/open-banking/v1/payments/{payment-product}")
  .header("PSU-IP-Address", "<psu-ip-address>")
  .header("X-Request-ID", "<x-request-id>")
  .header("Content-Type", "application/json")
  .body("{\n  \"debtorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"instructedAmount\": {\n    \"currency\": \"EUR\",\n    \"amount\": \"123.50\"\n  },\n  \"creditorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"creditorName\": \"Merchant AG\",\n  \"endToEndIdentification\": \"Payment-123\",\n  \"creditorAgent\": \"DEUTDEDBFRA\",\n  \"creditorAddress\": {\n    \"country\": \"DE\",\n    \"department\": \"Finance Department\",\n    \"subDepartment\": \"Accounting Unit\",\n    \"streetName\": \"Hauptstrasse\",\n    \"buildingNumber\": \"42\",\n    \"buildingName\": \"Tower A\",\n    \"floor\": \"3\",\n    \"postBox\": \"PO Box 123\",\n    \"room\": \"301\",\n    \"postCode\": \"60311\",\n    \"townName\": \"Frankfurt am Main\",\n    \"townLocationName\": \"Sachsenhausen\",\n    \"districtName\": \"Bayern\",\n    \"countrySubDivision\": \"Hessen\"\n  },\n  \"remittanceInformationUnstructured\": \"Ref Number Merchant\",\n  \"requestedExecutionDate\": \"2025-12-01T00:00:00.000Z\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.example.com/open-banking/v1/payments/{payment-product}")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["PSU-IP-Address"] = '<psu-ip-address>'
request["X-Request-ID"] = '<x-request-id>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"debtorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"instructedAmount\": {\n    \"currency\": \"EUR\",\n    \"amount\": \"123.50\"\n  },\n  \"creditorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"creditorName\": \"Merchant AG\",\n  \"endToEndIdentification\": \"Payment-123\",\n  \"creditorAgent\": \"DEUTDEDBFRA\",\n  \"creditorAddress\": {\n    \"country\": \"DE\",\n    \"department\": \"Finance Department\",\n    \"subDepartment\": \"Accounting Unit\",\n    \"streetName\": \"Hauptstrasse\",\n    \"buildingNumber\": \"42\",\n    \"buildingName\": \"Tower A\",\n    \"floor\": \"3\",\n    \"postBox\": \"PO Box 123\",\n    \"room\": \"301\",\n    \"postCode\": \"60311\",\n    \"townName\": \"Frankfurt am Main\",\n    \"townLocationName\": \"Sachsenhausen\",\n    \"districtName\": \"Bayern\",\n    \"countrySubDivision\": \"Hessen\"\n  },\n  \"remittanceInformationUnstructured\": \"Ref Number Merchant\",\n  \"requestedExecutionDate\": \"2025-12-01T00:00:00.000Z\"\n}"

response = http.request(request)
puts response.read_body

{
  "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"
    }
  ]
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

POST

open-banking

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",
  "creditorAddress": {
    "country": "DE",
    "department": "Finance Department",
    "subDepartment": "Accounting Unit",
    "streetName": "Hauptstrasse",
    "buildingNumber": "42",
    "buildingName": "Tower A",
    "floor": "3",
    "postBox": "PO Box 123",
    "room": "301",
    "postCode": "60311",
    "townName": "Frankfurt am Main",
    "townLocationName": "Sachsenhausen",
    "districtName": "Bayern",
    "countrySubDivision": "Hessen"
  },
  "remittanceInformationUnstructured": "Ref Number Merchant",
  "requestedExecutionDate": "2025-12-01T00:00:00.000Z"
}
'

import requests

url = "https://api.example.com/open-banking/v1/payments/{payment-product}"

payload = {
    "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",
    "creditorAddress": {
        "country": "DE",
        "department": "Finance Department",
        "subDepartment": "Accounting Unit",
        "streetName": "Hauptstrasse",
        "buildingNumber": "42",
        "buildingName": "Tower A",
        "floor": "3",
        "postBox": "PO Box 123",
        "room": "301",
        "postCode": "60311",
        "townName": "Frankfurt am Main",
        "townLocationName": "Sachsenhausen",
        "districtName": "Bayern",
        "countrySubDivision": "Hessen"
    },
    "remittanceInformationUnstructured": "Ref Number Merchant",
    "requestedExecutionDate": "2025-12-01T00:00:00.000Z"
}
headers = {
    "PSU-IP-Address": "<psu-ip-address>",
    "X-Request-ID": "<x-request-id>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'PSU-IP-Address': '<psu-ip-address>',
    'X-Request-ID': '<x-request-id>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    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',
    creditorAddress: {
      country: 'DE',
      department: 'Finance Department',
      subDepartment: 'Accounting Unit',
      streetName: 'Hauptstrasse',
      buildingNumber: '42',
      buildingName: 'Tower A',
      floor: '3',
      postBox: 'PO Box 123',
      room: '301',
      postCode: '60311',
      townName: 'Frankfurt am Main',
      townLocationName: 'Sachsenhausen',
      districtName: 'Bayern',
      countrySubDivision: 'Hessen'
    },
    remittanceInformationUnstructured: 'Ref Number Merchant',
    requestedExecutionDate: '2025-12-01T00:00:00.000Z'
  })
};

fetch('https://api.example.com/open-banking/v1/payments/{payment-product}', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.example.com/open-banking/v1/payments/{payment-product}",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    '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',
    'creditorAddress' => [
        'country' => 'DE',
        'department' => 'Finance Department',
        'subDepartment' => 'Accounting Unit',
        'streetName' => 'Hauptstrasse',
        'buildingNumber' => '42',
        'buildingName' => 'Tower A',
        'floor' => '3',
        'postBox' => 'PO Box 123',
        'room' => '301',
        'postCode' => '60311',
        'townName' => 'Frankfurt am Main',
        'townLocationName' => 'Sachsenhausen',
        'districtName' => 'Bayern',
        'countrySubDivision' => 'Hessen'
    ],
    'remittanceInformationUnstructured' => 'Ref Number Merchant',
    'requestedExecutionDate' => '2025-12-01T00:00:00.000Z'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "PSU-IP-Address: <psu-ip-address>",
    "X-Request-ID: <x-request-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.example.com/open-banking/v1/payments/{payment-product}"

	payload := strings.NewReader("{\n  \"debtorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"instructedAmount\": {\n    \"currency\": \"EUR\",\n    \"amount\": \"123.50\"\n  },\n  \"creditorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"creditorName\": \"Merchant AG\",\n  \"endToEndIdentification\": \"Payment-123\",\n  \"creditorAgent\": \"DEUTDEDBFRA\",\n  \"creditorAddress\": {\n    \"country\": \"DE\",\n    \"department\": \"Finance Department\",\n    \"subDepartment\": \"Accounting Unit\",\n    \"streetName\": \"Hauptstrasse\",\n    \"buildingNumber\": \"42\",\n    \"buildingName\": \"Tower A\",\n    \"floor\": \"3\",\n    \"postBox\": \"PO Box 123\",\n    \"room\": \"301\",\n    \"postCode\": \"60311\",\n    \"townName\": \"Frankfurt am Main\",\n    \"townLocationName\": \"Sachsenhausen\",\n    \"districtName\": \"Bayern\",\n    \"countrySubDivision\": \"Hessen\"\n  },\n  \"remittanceInformationUnstructured\": \"Ref Number Merchant\",\n  \"requestedExecutionDate\": \"2025-12-01T00:00:00.000Z\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("PSU-IP-Address", "<psu-ip-address>")
	req.Header.Add("X-Request-ID", "<x-request-id>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.example.com/open-banking/v1/payments/{payment-product}")
  .header("PSU-IP-Address", "<psu-ip-address>")
  .header("X-Request-ID", "<x-request-id>")
  .header("Content-Type", "application/json")
  .body("{\n  \"debtorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"instructedAmount\": {\n    \"currency\": \"EUR\",\n    \"amount\": \"123.50\"\n  },\n  \"creditorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"creditorName\": \"Merchant AG\",\n  \"endToEndIdentification\": \"Payment-123\",\n  \"creditorAgent\": \"DEUTDEDBFRA\",\n  \"creditorAddress\": {\n    \"country\": \"DE\",\n    \"department\": \"Finance Department\",\n    \"subDepartment\": \"Accounting Unit\",\n    \"streetName\": \"Hauptstrasse\",\n    \"buildingNumber\": \"42\",\n    \"buildingName\": \"Tower A\",\n    \"floor\": \"3\",\n    \"postBox\": \"PO Box 123\",\n    \"room\": \"301\",\n    \"postCode\": \"60311\",\n    \"townName\": \"Frankfurt am Main\",\n    \"townLocationName\": \"Sachsenhausen\",\n    \"districtName\": \"Bayern\",\n    \"countrySubDivision\": \"Hessen\"\n  },\n  \"remittanceInformationUnstructured\": \"Ref Number Merchant\",\n  \"requestedExecutionDate\": \"2025-12-01T00:00:00.000Z\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.example.com/open-banking/v1/payments/{payment-product}")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["PSU-IP-Address"] = '<psu-ip-address>'
request["X-Request-ID"] = '<x-request-id>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"debtorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"instructedAmount\": {\n    \"currency\": \"EUR\",\n    \"amount\": \"123.50\"\n  },\n  \"creditorAccount\": {\n    \"iban\": \"DE40100100103307118608\",\n    \"bban\": \"1234567890\",\n    \"pan\": \"5409050000000000\",\n    \"maskedPan\": \"123456xxxxxx1234\",\n    \"msisdn\": \"+49170123456\",\n    \"currency\": \"EUR\"\n  },\n  \"creditorName\": \"Merchant AG\",\n  \"endToEndIdentification\": \"Payment-123\",\n  \"creditorAgent\": \"DEUTDEDBFRA\",\n  \"creditorAddress\": {\n    \"country\": \"DE\",\n    \"department\": \"Finance Department\",\n    \"subDepartment\": \"Accounting Unit\",\n    \"streetName\": \"Hauptstrasse\",\n    \"buildingNumber\": \"42\",\n    \"buildingName\": \"Tower A\",\n    \"floor\": \"3\",\n    \"postBox\": \"PO Box 123\",\n    \"room\": \"301\",\n    \"postCode\": \"60311\",\n    \"townName\": \"Frankfurt am Main\",\n    \"townLocationName\": \"Sachsenhausen\",\n    \"districtName\": \"Bayern\",\n    \"countrySubDivision\": \"Hessen\"\n  },\n  \"remittanceInformationUnstructured\": \"Ref Number Merchant\",\n  \"requestedExecutionDate\": \"2025-12-01T00:00:00.000Z\"\n}"

response = http.request(request)
puts response.read_body

{
  "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"
    }
  ]
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SERVICE_UNAVAILABLE",
      "path": "access.balances",
      "text": "The ASPSP server is currently unavailable"
    }
  ],
  "_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"
    }
  }
}

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

Show child attributes

instructedAmount

object

required

Amount to be transferred

Show child attributes

creditorAccount

object

required

Creditor account reference

Show child attributes

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 | null

Address of the creditor

Show child attributes

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:

"2025-12-01T00:00:00.000Z"

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

Show child attributes

transactionFees

object | null

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

Show child attributes

currencyConversionFee

object | null

Currency conversion fees related to the initiated credit transfer

Show child attributes

estimatedTotalAmount

object | null

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

Show child attributes

estimatedInterbankSettlementAmount

object | null

Estimated amount to be transferred to the payee

Show child attributes

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

Show child attributes

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

Show child attributes

Last modified on April 17, 2026

Get transaction details Get payment

⌘I

Getting Started

Accounts

Transactions

Payments

Confirmation of Funds

Payment initiation request

Headers

Path Parameters

Body

Response