Skip to main content
POST
Create Sepa payment
This endpoint is deprecated. Use Create SEPA payment instead.

Idempotency

Include an Idempotency-Key header when you create a payment. Reuse the same key when retrying a request to avoid creating a duplicate.

Migrate to v3

Use POST /v3/payments/sepa. See the complete legacy-to-v3 field mapping, including address and identification changes.

Headers

Idempotency-Key
string
required

Unique identifier in scope of payment creation endpoints required to prevent unintended duplicate payments

Body

application/json

Basic SEPA payment request example

cr_acc
string
required

Creditor (Recipient) Account (IBAN)

Required string length: 1 - 100
cr_amount
integer
required

Amount in minor currency units, 'cr_amount' must be equal to 'dr_amount'

Required range: x >= 0
cr_ccy_isocode
string
required

For SEPA payments, only allowed value is 'EUR', 'cr_ccy_isocode' must be equal to 'dr_ccy_isocode'

cr_name
string
required

Creditor (Recipient) Name

Required string length: 1 - 70
dr_acc
string
required

Debtor (Sender) Account (IBAN)

Minimum string length: 1
dr_amount
integer
required

Amount in minor currency units, 'dr_amount' must be equal to 'cr_amount'

Required range: x >= 0
dr_ccy_isocode
string
required

For SEPA payments, only allowed value is 'EUR', 'dr_ccy_isocode' must be equal to 'cr_ccy_isocode'

dr_name
string
required

Debtor (Sender) Name

Required string length: 1 - 70
inst
boolean
required

Default value false. Should be set as true when payment needs to be processed though SEPA INST scheme.
Note: if recipient bank does not support SEPA INST, error 'Bank XXX doesn't support Instant payments' will be returned, and payment should be reprocessed with 'inst'=false flag

cr_address
string

Creditor address. Optional, maximum 140 characters. Under SEPA scheme rules the creditor city and creditor country values must not be repeated in this field. Applies from 11 September 2026 in the test environment and from 15 November 2026 in production.

Maximum string length: 140
cr_address_city
string

Creditor city. Currently optional. From 11 September 2026 in the test environment and from 15 November 2026 in production, Creditor city and Creditor country become mandatory when any creditor address field is provided.

Maximum string length: 35
cr_address_country
string

2 characters ISO code of Creditor country. Currently optional. From 11 September 2026 in the test environment and from 15 November 2026 in production, Creditor city and Creditor country become mandatory when any creditor address field is provided.

cr_alt_code_company
string

Alternative Creditor company code

Required string length: 1 - 35
cr_alt_code_company_issuer
string

Alternative Creditor company code issuer

Required string length: 1 - 35
cr_bank_bic
string

Creditor (Recipient) Bank Code - BIC.
If not provided, system will try to resolve it automatically, in cases where system failed to find BIC automatically and there was no BIC provided error will be thrown

cr_bic_company
string

Creditor Company BIC. Required if category purpose code is either 'FCIN', 'FCOL' or 'INTE'

cr_code_company
string

Creditor company code

cr_code_issuer
string

Issuer of Creditor company/person code

Required string length: 1 - 35
cr_code_person
string

Creditor Personal code

ctgy_purp_cd
enum<string>

Category purpose code. Indicates the high-level purpose of the payment at a business level for accounting inside the payer/beneficiary company and for interbank and regulatory interpretation. Mutually exclusive with ctgy_purp_prtry.

Available options:
BONU,
CASH,
CBLK,
CCRD,
CORT,
DCRD,
DIVI,
DVPM,
EPAY,
FCIN,
FCOL,
GOVT,
HEDG,
ICCP,
IDCP,
INTC,
INTE,
LOAN,
MP2B,
MP2P,
OTHR,
PENS,
RPRE,
RRCT,
RVPM,
SALA,
SECU,
SSBE,
SUPP,
TAXS,
TRAD,
TREA,
VATX,
WHLD
ctgy_purp_prtry
string

Category purpose proprietary value. Free text alternative to ctgy_purp_cd for non-standard category purposes. Mutually exclusive with ctgy_purp_cd. Must contain at least one non-whitespace character. Maximum length is 35 characters.

Maximum string length: 35
Pattern: (\s*[^\s]\s*)+
dr_address
string

Debtor address. Optional, maximum 140 characters. Under SEPA scheme rules the debtor city and debtor country values must not be repeated in this field. Applies from 11 September 2026 in the test environment and from 15 November 2026 in production.

Maximum string length: 140
dr_address_city
string

Debtor city. Currently optional. From 11 September 2026 in the test environment and from 15 November 2026 in production, Debtor city and Debtor country become mandatory when any debtor address field is provided.

Maximum string length: 35
dr_address_country
string

2 characters ISO code of Debtor country. Currently optional. From 11 September 2026 in the test environment and from 15 November 2026 in production, Debtor city and Debtor country become mandatory when any debtor address field is provided.

dr_alt_code_company
string

Alternative Debtor company code

Required string length: 1 - 35
dr_alt_code_company_issuer
string

Alternative Debtor company code issuer

Required string length: 1 - 35
dr_bic_company
string

Debtor Company BIC. Required if category purpose code is either 'FCIN', 'FCOL' or 'INTE'

dr_code_company
string

Debtor company code

dr_code_issuer
string

Issuer of Debtor company/person code

Required string length: 1 - 35
dr_code_person
string

Debtor Personal code

Required string length: 1 - 35
end_to_end_id
string

End to end ID assigned for payment.
If a client is TIPS participant it can only contain alphanumeric (0-9, a-z, A-Z) and the following special characters: ()+-:',.?
Otherwise all characters are accepted.

Maximum string length: 35
metadata
string[]

For linking the payment to your internal records, for example a billing run, order, or customer ID. Set at creation only and cannot be changed afterwards. Stored only in the payment gateway: never forwarded to the clearing system and never visible to the counterparty. Returned in transaction details and filterable in Transactions list v2 using exact match on the full value. Do not store sensitive personal data, card numbers, or secrets here. Examples: ["billing-run-2026-07"] or ["salary", "executive", "vacation"].

Maximum array length: 10
Maximum string length: 140
Example:
trx_purpose
string

Unstructured payment purpose (free text).
One of the values should be present 'trx_purpose' or 'trx_purpose_structured_ref' + 'trx_purpose_structured_ref_issuer'

Required string length: 1 - 140
trx_purpose_information
enum<string>

Category purpose code. Allowed values: 'ADVA' - Advance payment (deprecated), 'TAXS' - Tax payment (deprecated),
'CSDB' - Cash Disbursement/Cash Management,
'GDSV' - Purchase Sale Of Goods And Services, 'GSCB' - Purchase Sale Of Goods And Services With Cash Back,
'COMP' - Compensation Payment, 'FEES' - Payment Of Fees, 'ICCP' - Irrevocable Credit Card Payment,
'IDCP' - Irrevocable Debit Card Payment, 'REFU' - Refund, 'RRCT' - Reimbursement Received Credit Transfer,
'RRTP' - Related Request To Pay, 'GVEA' - Austrian Government Employees Category A,
'GVEB' - Austrian Government Employees Category B, 'GVEC' - Austrian Government Employees Category C,
'GVED' - Austrian Government Employees Category D

Available options:
ADVA,
TAXS,
CSDB,
GDSV,
GSCB,
COMP,
FEES,
ICCP,
IDCP,
REFU,
RRCT,
RRTP,
GVEA,
GVEB,
GVEC,
GVED
Required string length: 1 - 4
trx_purpose_structured_issuer
string

Structured reference code issuer. Ex. Taxpayer code.
One of the values should be present 'trx_purpose' or 'trx_purpose_structured_ref' + 'trx_purpose_structured_ref_issuer'

Required string length: 1 - 35
trx_purpose_structured_ref
string

Structured reference code. Ex. Tax institution.
One of the values should be present 'trx_purpose' or 'trx_purpose_structured_ref' + 'trx_purpose_structured_ref_issuer'

Required string length: 1 - 35
trx_settlement_date
string<date>

Date when payment should be executed.
If specified date is not a valid business day, or is in the past system will automatically select next available business day

ucr_id_type
integer

Use '1' for Company clients, Use '2' for Person clients

ucr_identification
string

Other identification code for company or person

Required string length: 1 - 35
ucr_issuer
string

Identification code issuer

ucr_name
string

Ultimate Creditor Name

Required string length: 1 - 70
ucr_organisation_bic
string

BIC or BEI identification code

ucr_private_birth
string<date>

Persons date of birth

ucr_private_birth_city
string

Persons birth city

ucr_private_birth_country
string

2 characters ISO code of persons birth country

ucr_private_birth_province
string

Persons birth province

ucr_scheme_code
enum<string>

Identification code type, one of following values are allowed: 'ARNU' - Alien registration number, 'CCPT' - Passport number

Available options:
ARNU,
CCPT
ucr_scheme_proprietary
string

Identification code type as free text

udr_id_type
integer

Use '1' for Company clients, Use '2' for Person clients

udr_identification
string

Other identification code for company or person

Required string length: 1 - 35
udr_issuer
string

Identification code issuer

udr_name
string

Ultimate Debtor Name

Required string length: 1 - 70
udr_organisation_bic
string

BIC or BEI identification code

udr_private_birth
string<date>

Persons date of birth

udr_private_birth_city
string

Persons birth city

udr_private_birth_country
string

2 characters ISO code of persons birth country

udr_private_birth_province
string

Persons birth province

udr_scheme_code
enum<string>

Identification code type, one of following values are allowed: 'ARNU' - Alien registration number, 'CCPT' - Passport number

Available options:
ARNU,
CCPT
udr_scheme_proprietary
string

Identification code type as free text

Response

A new SEPA payment has been created

result
object
required

Result of sepa payment creation

Last modified on August 26, 2026