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POST
Confirm or reject a inbound INST payment

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 CSM.

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 CSM 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

Last modified on July 10, 2026