Create SEPA payment (v0)
Creates a SEPA payment through the deprecated unversioned endpoint.
Idempotency
Include anIdempotency-Key header when you create a payment. Reuse the same key when retrying a request to avoid creating a duplicate.
Migrate to v3
UsePOST /v3/payments/sepa. See the complete legacy-to-v3 field mapping, including address and identification changes.Headers
Unique identifier in scope of payment creation endpoints required to prevent unintended duplicate payments
Body
Basic SEPA payment request example
Creditor (Recipient) Account (IBAN)
1 - 100Amount in minor currency units, 'cr_amount' must be equal to 'dr_amount'
x >= 0For SEPA payments, only allowed value is 'EUR', 'cr_ccy_isocode' must be equal to 'dr_ccy_isocode'
Creditor (Recipient) Name
1 - 70Debtor (Sender) Account (IBAN)
1Amount in minor currency units, 'dr_amount' must be equal to 'cr_amount'
x >= 0For SEPA payments, only allowed value is 'EUR', 'dr_ccy_isocode' must be equal to 'cr_ccy_isocode'
Debtor (Sender) Name
1 - 70Default 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
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.
140Creditor 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.
352 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.
Alternative Creditor company code
1 - 35Alternative Creditor company code issuer
1 - 35Creditor (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
Creditor Company BIC. Required if category purpose code is either 'FCIN', 'FCOL' or 'INTE'
Creditor company code
Issuer of Creditor company/person code
1 - 35Creditor Personal code
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.
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 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.
35(\s*[^\s]\s*)+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.
140Debtor 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.
352 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.
Alternative Debtor company code
1 - 35Alternative Debtor company code issuer
1 - 35Debtor Company BIC. Required if category purpose code is either 'FCIN', 'FCOL' or 'INTE'
Debtor company code
Issuer of Debtor company/person code
1 - 35Debtor Personal code
1 - 35End 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.
35For 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"].
10140Unstructured payment purpose (free text).
One of the values should be present 'trx_purpose' or 'trx_purpose_structured_ref' + 'trx_purpose_structured_ref_issuer'
1 - 140Category 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
ADVA, TAXS, CSDB, GDSV, GSCB, COMP, FEES, ICCP, IDCP, REFU, RRCT, RRTP, GVEA, GVEB, GVEC, GVED 1 - 4Structured 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'
1 - 35Structured reference code. Ex. Tax institution.
One of the values should be present 'trx_purpose' or 'trx_purpose_structured_ref' + 'trx_purpose_structured_ref_issuer'
1 - 35Date 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
Use '1' for Company clients, Use '2' for Person clients
Other identification code for company or person
1 - 35Identification code issuer
Ultimate Creditor Name
1 - 70BIC or BEI identification code
Persons date of birth
Persons birth city
2 characters ISO code of persons birth country
Persons birth province
Identification code type, one of following values are allowed: 'ARNU' - Alien registration number, 'CCPT' - Passport number
ARNU, CCPT Identification code type as free text
Use '1' for Company clients, Use '2' for Person clients
Other identification code for company or person
1 - 35Identification code issuer
Ultimate Debtor Name
1 - 70BIC or BEI identification code
Persons date of birth
Persons birth city
2 characters ISO code of persons birth country
Persons birth province
Identification code type, one of following values are allowed: 'ARNU' - Alien registration number, 'CCPT' - Passport number
ARNU, CCPT Identification code type as free text
Response
A new SEPA payment has been created
Result of sepa payment creation