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POST
/
v1
/
transactions
/
{id}
/
response
Confirm or reject a inbound INST payment
curl --request POST \
  --url https://api.pgw-sandbox.finventi.com/v1/transactions/{id}/response \
  --header 'Content-Type: application/json' \
  --data '
{
  "response": "ACCEPT",
  "rejectReason": "AC01"
}
'
{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

​
Overview

This endpoint processes inbound SEPA Instant payments that require confirmation. When instant payment confirmation is enabled for your account, incoming SEPA Instant payments will be held in pending_confirmation status until you respond with an acceptance or rejection.

​
Requirements

  • Payment must have pending_confirmation status
  • Response must be sent within 5 seconds of receiving the webhook notification
  • Valid reason code required for rejections
  • Only applicable to SEPA Instant payments with confirmation feature enabled

​
Response Time Critical

SEPA Instant payments have a 10-second end-to-end processing requirement. You must respond within 5 seconds to allow time for processing and sending the pacs.002 message to CMS.

​
How It Works

  1. Incoming Payment Received: When a SEPA Instant payment arrives and your account has confirmation enabled, the payment enters pending_confirmation status
  2. Webhook Notification: You receive a webhook with:
  • Transaction ID
  • Transaction Status (pending_confirmation)
  • Debtor Account Number
  • Creditor Account Number
  1. Your Response: Call this endpoint to accept or reject the payment
  2. Settlement: We send the pacs.002 message to CMS and update the payment status

Path Parameters

​
id
integer<int64>
required

Transaction ID

Body

application/json
​
response
enum<string>
required

Allowed values: REJECT, ACCEPT

Available options:
ACCEPT,
REJECT
​
rejectReason
enum<string>

Rejection reason

Available options:
AC01,
AC04,
AC06,
AG01,
AG02,
AM05,
BE04,
MD07,
MS02,
MS03,
RC01,
RR01,
RR02,
RR03,
RR04

Response

Payment confirmation processed successfully