Review inbound SWIFT payment

Resolve an inbound payment held for review

curl --request POST \
  --url https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action \
  --header 'Content-Type: application/json' \
  --data '
{
  "additionalInfo": "<string>",
  "returnReason": "AC01"
}
'

import requests

url = "https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action"

payload = {
    "additionalInfo": "<string>",
    "returnReason": "AC01"
}
headers = {"Content-Type": "application/json"}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({additionalInfo: '<string>', returnReason: 'AC01'})
};

fetch('https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action', 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.pgw-sandbox.finventi.com/v3/payments/{id}/review-action",
  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([
    'additionalInfo' => '<string>',
    'returnReason' => 'AC01'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($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.pgw-sandbox.finventi.com/v3/payments/{id}/review-action"

	payload := strings.NewReader("{\n  \"additionalInfo\": \"<string>\",\n  \"returnReason\": \"AC01\"\n}")

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

	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.pgw-sandbox.finventi.com/v3/payments/{id}/review-action")
  .header("Content-Type", "application/json")
  .body("{\n  \"additionalInfo\": \"<string>\",\n  \"returnReason\": \"AC01\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action")

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

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"additionalInfo\": \"<string>\",\n  \"returnReason\": \"AC01\"\n}"

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

{
  "createdAt": "2025-11-21T12:46:54.321667Z",
  "creditor": {
    "account": {
      "iban": "<string>",
      "other": {
        "id": "<string>",
        "issuer": "<string>",
        "scheme": {
          "code": "<string>",
          "proprietary": "<string>"
        }
      }
    },
    "agent": {
      "bic": "DEMOLT1XXXX",
      "name": "<string>"
    },
    "address": {
      "country": "LT",
      "line": "<string>",
      "structured": {
        "buildingName": "<string>",
        "buildingNumber": "<string>",
        "countrySubDivision": "<string>",
        "department": "<string>",
        "districtName": "<string>",
        "floor": "<string>",
        "postBox": "<string>",
        "postCode": "<string>",
        "room": "<string>",
        "street": "<string>",
        "subDepartment": "<string>",
        "townLocationName": "<string>"
      },
      "town": "Vilnius"
    },
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "debtor": {
    "account": {
      "iban": "<string>",
      "other": {
        "id": "<string>",
        "issuer": "<string>",
        "scheme": {
          "code": "<string>",
          "proprietary": "<string>"
        }
      }
    },
    "agent": {
      "bic": "DEMOLT1XXXX",
      "name": "<string>"
    },
    "address": {
      "country": "LT",
      "line": "<string>",
      "structured": {
        "buildingName": "<string>",
        "buildingNumber": "<string>",
        "countrySubDivision": "<string>",
        "department": "<string>",
        "districtName": "<string>",
        "floor": "<string>",
        "postBox": "<string>",
        "postCode": "<string>",
        "room": "<string>",
        "street": "<string>",
        "subDepartment": "<string>",
        "townLocationName": "<string>"
      },
      "town": "Vilnius"
    },
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "direction": "OUTBOUND",
  "endToEndId": "<string>",
  "id": 10300007,
  "instructedAmount": 100,
  "instructedCurrency": "EUR",
  "metadata": [
    "<string>"
  ],
  "scheme": "SEPA_CT",
  "sddActionOptions": [
    {
      "reasons": [
        {
          "available": true,
          "code": "MD06",
          "deadline": "2026-10-15T11:15:00+03:00"
        }
      ],
      "type": "RETURN",
      "deadline": "2026-08-27T11:15:00+03:00",
      "settlementDate": "2023-12-25",
      "windowEndDate": "2026-12-25"
    }
  ],
  "sddRejectWindowExpired": true,
  "sddReturnWindowsExpired": true,
  "settlementAmount": 100,
  "settlementCurrency": "EUR",
  "status": "COMPLETED",
  "type": "PAYMENT",
  "adjustmentDisplayParties": {
    "creditor": {
      "account": "<string>",
      "bic": "<string>",
      "name": "<string>"
    },
    "debtor": {
      "account": "<string>",
      "bic": "<string>",
      "name": "<string>"
    }
  },
  "categoryPurposeCode": "BONU",
  "categoryPurposeProprietary": "<string>",
  "chargesAndAdjustments": {
    "compensation": 25,
    "returnCharges": 50,
    "unaccountedTax": 123
  },
  "creditTransferType": "CUSTOMER",
  "directDebit": {
    "amendmentIndicator": true,
    "amendmentInformationDetails": {
      "originalCreditorSchemeId": "<string>",
      "originalDebtorAccount": "<string>",
      "originalMandateId": "<string>"
    },
    "esignature": "<string>",
    "mandateId": "MANDATE-2026-001",
    "sequenceType": "RCUR",
    "signatureDate": "2026-01-15"
  },
  "instructedCurrencyFractionDigits": 3,
  "instructionId": "<string>",
  "messageId": "<string>",
  "originBic": "<string>",
  "originName": "<string>",
  "originReasonCode": "AC04",
  "originReasonInfo": "<string>",
  "parentPaymentId": 123,
  "parentTransactionAmount": 123,
  "purpose": "Invoice #12345",
  "purposeCode": "<string>",
  "settlementCurrencyFractionDigits": 3,
  "settlementDate": "2023-12-25",
  "statusReason": {
    "code": "ACSC",
    "message": "Accepted settlement completed"
  },
  "structuredReference": {
    "issuer": "ISO",
    "reference": "RF123456"
  },
  "swift": {
    "businessMessageId": "BIZ-MSG-001",
    "charges": {
      "items": [
        {
          "amount": 50,
          "currency": "EUR",
          "bic": "<string>"
        }
      ],
      "bearer": "SHAR"
    },
    "messageDefinition": "pacs.008.001.08",
    "receiverBic": "<string>",
    "senderBic": "<string>",
    "settlementAccount": {
      "currency": "EUR",
      "iban": "<string>",
      "other": {
        "id": "<string>",
        "issuer": "<string>",
        "scheme": {
          "code": "<string>",
          "proprietary": "<string>"
        }
      }
    },
    "settlementMethod": "INDA",
    "uetr": "<string>"
  },
  "t2": {
    "priority": "HIGH",
    "uetr": "a1b2c3d4-1111-4222-8333-000000000001"
  },
  "totalResponseTimeMs": 248,
  "ultimateCreditor": {
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "ultimateDebtor": {
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "updatedAt": "2025-11-21T12:46:54.612954Z",
  "viber": {
    "priority": "NORM",
    "priorityCode": "0050",
    "uetr": "a1b2c3d4-1111-4222-8333-000000000001"
  }
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

POST

payments

{id}

review-action

Resolve an inbound payment held for review

curl --request POST \
  --url https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action \
  --header 'Content-Type: application/json' \
  --data '
{
  "additionalInfo": "<string>",
  "returnReason": "AC01"
}
'

import requests

url = "https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action"

payload = {
    "additionalInfo": "<string>",
    "returnReason": "AC01"
}
headers = {"Content-Type": "application/json"}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({additionalInfo: '<string>', returnReason: 'AC01'})
};

fetch('https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action', 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.pgw-sandbox.finventi.com/v3/payments/{id}/review-action",
  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([
    'additionalInfo' => '<string>',
    'returnReason' => 'AC01'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($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.pgw-sandbox.finventi.com/v3/payments/{id}/review-action"

	payload := strings.NewReader("{\n  \"additionalInfo\": \"<string>\",\n  \"returnReason\": \"AC01\"\n}")

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

	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.pgw-sandbox.finventi.com/v3/payments/{id}/review-action")
  .header("Content-Type", "application/json")
  .body("{\n  \"additionalInfo\": \"<string>\",\n  \"returnReason\": \"AC01\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.pgw-sandbox.finventi.com/v3/payments/{id}/review-action")

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

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"additionalInfo\": \"<string>\",\n  \"returnReason\": \"AC01\"\n}"

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

{
  "createdAt": "2025-11-21T12:46:54.321667Z",
  "creditor": {
    "account": {
      "iban": "<string>",
      "other": {
        "id": "<string>",
        "issuer": "<string>",
        "scheme": {
          "code": "<string>",
          "proprietary": "<string>"
        }
      }
    },
    "agent": {
      "bic": "DEMOLT1XXXX",
      "name": "<string>"
    },
    "address": {
      "country": "LT",
      "line": "<string>",
      "structured": {
        "buildingName": "<string>",
        "buildingNumber": "<string>",
        "countrySubDivision": "<string>",
        "department": "<string>",
        "districtName": "<string>",
        "floor": "<string>",
        "postBox": "<string>",
        "postCode": "<string>",
        "room": "<string>",
        "street": "<string>",
        "subDepartment": "<string>",
        "townLocationName": "<string>"
      },
      "town": "Vilnius"
    },
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "debtor": {
    "account": {
      "iban": "<string>",
      "other": {
        "id": "<string>",
        "issuer": "<string>",
        "scheme": {
          "code": "<string>",
          "proprietary": "<string>"
        }
      }
    },
    "agent": {
      "bic": "DEMOLT1XXXX",
      "name": "<string>"
    },
    "address": {
      "country": "LT",
      "line": "<string>",
      "structured": {
        "buildingName": "<string>",
        "buildingNumber": "<string>",
        "countrySubDivision": "<string>",
        "department": "<string>",
        "districtName": "<string>",
        "floor": "<string>",
        "postBox": "<string>",
        "postCode": "<string>",
        "room": "<string>",
        "street": "<string>",
        "subDepartment": "<string>",
        "townLocationName": "<string>"
      },
      "town": "Vilnius"
    },
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "direction": "OUTBOUND",
  "endToEndId": "<string>",
  "id": 10300007,
  "instructedAmount": 100,
  "instructedCurrency": "EUR",
  "metadata": [
    "<string>"
  ],
  "scheme": "SEPA_CT",
  "sddActionOptions": [
    {
      "reasons": [
        {
          "available": true,
          "code": "MD06",
          "deadline": "2026-10-15T11:15:00+03:00"
        }
      ],
      "type": "RETURN",
      "deadline": "2026-08-27T11:15:00+03:00",
      "settlementDate": "2023-12-25",
      "windowEndDate": "2026-12-25"
    }
  ],
  "sddRejectWindowExpired": true,
  "sddReturnWindowsExpired": true,
  "settlementAmount": 100,
  "settlementCurrency": "EUR",
  "status": "COMPLETED",
  "type": "PAYMENT",
  "adjustmentDisplayParties": {
    "creditor": {
      "account": "<string>",
      "bic": "<string>",
      "name": "<string>"
    },
    "debtor": {
      "account": "<string>",
      "bic": "<string>",
      "name": "<string>"
    }
  },
  "categoryPurposeCode": "BONU",
  "categoryPurposeProprietary": "<string>",
  "chargesAndAdjustments": {
    "compensation": 25,
    "returnCharges": 50,
    "unaccountedTax": 123
  },
  "creditTransferType": "CUSTOMER",
  "directDebit": {
    "amendmentIndicator": true,
    "amendmentInformationDetails": {
      "originalCreditorSchemeId": "<string>",
      "originalDebtorAccount": "<string>",
      "originalMandateId": "<string>"
    },
    "esignature": "<string>",
    "mandateId": "MANDATE-2026-001",
    "sequenceType": "RCUR",
    "signatureDate": "2026-01-15"
  },
  "instructedCurrencyFractionDigits": 3,
  "instructionId": "<string>",
  "messageId": "<string>",
  "originBic": "<string>",
  "originName": "<string>",
  "originReasonCode": "AC04",
  "originReasonInfo": "<string>",
  "parentPaymentId": 123,
  "parentTransactionAmount": 123,
  "purpose": "Invoice #12345",
  "purposeCode": "<string>",
  "settlementCurrencyFractionDigits": 3,
  "settlementDate": "2023-12-25",
  "statusReason": {
    "code": "ACSC",
    "message": "Accepted settlement completed"
  },
  "structuredReference": {
    "issuer": "ISO",
    "reference": "RF123456"
  },
  "swift": {
    "businessMessageId": "BIZ-MSG-001",
    "charges": {
      "items": [
        {
          "amount": 50,
          "currency": "EUR",
          "bic": "<string>"
        }
      ],
      "bearer": "SHAR"
    },
    "messageDefinition": "pacs.008.001.08",
    "receiverBic": "<string>",
    "senderBic": "<string>",
    "settlementAccount": {
      "currency": "EUR",
      "iban": "<string>",
      "other": {
        "id": "<string>",
        "issuer": "<string>",
        "scheme": {
          "code": "<string>",
          "proprietary": "<string>"
        }
      }
    },
    "settlementMethod": "INDA",
    "uetr": "<string>"
  },
  "t2": {
    "priority": "HIGH",
    "uetr": "a1b2c3d4-1111-4222-8333-000000000001"
  },
  "totalResponseTimeMs": 248,
  "ultimateCreditor": {
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "ultimateDebtor": {
    "name": "<string>",
    "organisationIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "bic": "<string>",
      "lei": "<string>"
    },
    "privateIdentification": {
      "otherIdentifications": [
        {
          "id": "<string>",
          "issuer": "<string>",
          "scheme": {
            "code": "<string>",
            "proprietary": "<string>"
          }
        }
      ],
      "birthInformation": {
        "city": "<string>",
        "country": "<string>",
        "date": "<string>",
        "province": "<string>"
      }
    }
  },
  "updatedAt": "2025-11-21T12:46:54.612954Z",
  "viber": {
    "priority": "NORM",
    "priorityCode": "0050",
    "uetr": "a1b2c3d4-1111-4222-8333-000000000001"
  }
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

{
  "code": "<string>",
  "data": {
    "errors": [
      {
        "code": "<string>",
        "field_name": "<string>",
        "message": "<string>",
        "value": "<string>"
      }
    ],
    "message": "<string>"
  },
  "message": "<string>"
}

Overview

Use this endpoint to resolve an inbound SWIFT payment held for manual review. The payment must be in Accepted status with the pending_review status reason. Manual review must be enabled for inbound SWIFT payments on your tenant.

Review actions

COMPLETE completes the original payment. The 200 response contains the original payment in Completed status.
RETURN completes the original payment and creates an outbound return. The 200 response contains the newly created Payment return transaction.

Returning the payment

When action is RETURN, provide a returnReason. The supported SWIFT return reasons are:

AC01
AC04
AC06
AG01
BE04
BE08
CUST
DUPL
FRAD
MD07
NARR
RR04

You can use additionalInfo to provide free-text return reason information, up to 105 characters.

When returnReason is NARR, additionalInfo is required and must not be blank.
For every other supported reason, additionalInfo is optional.

Completing the payment

When action is COMPLETE, omit both returnReason and additionalInfo.

Path Parameters

integer<int64>

required

Body

application/json

action

enum<string> | null

required

Available options:

COMPLETE,

RETURN

additionalInfo

string | null

SWIFT return reason details. Required for NARR and optional for every other return reason.

Maximum string length: 105

returnReason

enum<string> | null

Return reason code. Required when action is RETURN, must be absent when action is COMPLETE.

Available options:

AC01,

AC04,

AC06,

AG01,

BE04,

BE08,

DUPL,

MD07,

CUST,

RR04,

FRAD,

NARR

Example:

"AC01"

Response

Review action processed; resulting payment returned

createdAt

string<date-time>

required

Time and date when the payment was created (UTC)

Example:

"2025-11-21T12:46:54.321667Z"

creditor

object

required

Creditor (recipient) party information

Show child attributes

debtor

object

required

Debtor (sender) party information

Show child attributes

direction

enum<string>

required

Payment direction

Available options:

OUTBOUND,

INBOUND

Example:

"OUTBOUND"

endToEndId

string

required

End-to-end identifier assigned by the originator

integer<int64>

required

Unique payment identifier

Example:

10300007

instructedAmount

integer

required

Instructed payment amount in minor currency units (cents)

Example:

100

instructedCurrency

string

required

Instructed payment currency ISO code

Example:

"EUR"

metadata

string[]

required

Client-defined metadata values assigned when the payment was created

scheme

enum<string>

required

Payment scheme. SEPA_CT — SEPA Credit Transfer, SEPA_INST — SEPA Instant Credit Transfer, SEPA_DD — SEPA Direct Debit, SWIFT — SWIFT cross-border payment, T2 — TARGET2 RTGS payment, VIBER — MNB VIBER (HUF RTGS) payment.

Available options:

SEPA_CT,

SEPA_INST,

SEPA_DD,

SWIFT,

T2,

VIBER

Example:

"SEPA_CT"

sddActionOptions

object[]

required

R-transactions a client may raise against this payment right now. Empty for anything but a received SEPA direct debit collection. The action endpoints validate these windows again when a request is submitted.

Show child attributes

sddRejectWindowExpired

boolean

required

True only when all Reject reason windows have expired. False also covers unknown expiry.

sddReturnWindowsExpired

boolean

required

True only when all Return and Refund reason windows have expired. False also covers unknown expiry.

settlementAmount

integer

required

Settlement amount in minor currency units (cents)

Example:

100

settlementCurrency

string

required

Settlement currency ISO code

Example:

"EUR"

status

enum<string>

required

Current payment status

Available options:

CREATED,

TO_SIGN,

SIGNED,

SENT_TO_CLEAR,

COMPLETED,

CANCELLED,

REJECTED,

ACCEPTED,

SOME_PROBLEMS,

PENDING_CONFIRMATION

Example:

"COMPLETED"

type

enum<string>

required

Payment type

Available options:

PAYMENT,

PAYMENT_CANCELLATION,

PAYMENT_RETURN,

REVERSE_PAYMENT,

CSM_FEES,

ADJUSTMENT

Example:

"PAYMENT"

adjustmentDisplayParties

object | null

Display-only parties for a resolved liquidity adjustment; the authoritative parties remain in debtor and creditor

Show child attributes

categoryPurposeCode

enum<string> | null

Category purpose code (e.g. SALA, TAXS, GOVT)

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

categoryPurposeProprietary

string | null

Proprietary category purpose

chargesAndAdjustments

object | null

Return-only charges and adjustments. Populated only for payment_return / payment_cancellation transactions; absent otherwise.

Show child attributes

creditTransferType

enum<string> | null

Credit transfer type for T2 payments

Available options:

CUSTOMER,

FINANCIAL_INSTITUTION

directDebit

object | null

SEPA direct debit fields, present only for SDD payments

Show child attributes

instructedCurrencyFractionDigits

integer<int32> | null

Fraction digits for instructedCurrency. instructedAmount remains in minor units.

Example:

3

instructionId

string | null

Instruction identifier

messageId

string | null

Message identifier

originBic

string | null

Return / rejection originator BIC

originName

string | null

Return / rejection originator name

originReasonCode

string | null

Return / rejection reason code

Example:

"AC04"

originReasonInfo

string | null

Return / rejection reason information

parentPaymentId

integer<int64> | null

Parent payment identifier, present for returns / reversals / cancellations

parentTransactionAmount

integer | null

Original (parent) transaction amount in minor currency units (cents)

purpose

string | null

Unstructured remittance information (free text)

Example:

"Invoice #12345"

purposeCode

string | null

ISO 20022 purpose code or proprietary purpose value (e.g. SUPP, SALA, TAXS)

settlementCurrencyFractionDigits

integer<int32> | null

Fraction digits for settlementCurrency. settlementAmount remains in minor units.

Example:

3

settlementDate

string<date> | null

Settlement date

statusReason

object | null

Reason for the current status

Show child attributes

structuredReference

object | null

Structured remittance reference

Show child attributes

swift

object | null

SWIFT-specific fields, present only for SWIFT payments. May contain only uetr until the SWIFT details are available.

Show child attributes

object | null

T2-specific fields, present only for T2 payments

Show child attributes

totalResponseTimeMs

integer<int64> | null

Milliseconds from receiving an incoming payment until sending the acknowledged pacs.002 response, including the client's confirmation time for manual confirmation and the intended wait for delayed responses. Omitted if not available, including when the acknowledgement event was not recorded even though the pacs.002 was sent.

Example:

248

ultimateCreditor

object | null

Ultimate creditor party information

Show child attributes

ultimateDebtor

object | null

Ultimate debtor party information

Show child attributes

updatedAt

string<date-time> | null

Time and date when the payment was last updated (UTC)

Example:

"2025-11-21T12:46:54.612954Z"

viber

object | null

VIBER-specific fields, present only for VIBER payments

Show child attributes

Last modified on August 5, 2026

Getting Started

Integration Guide

Account Management

SEPA Instant/SCT

SEPA Direct Debit

SWIFT Payments

Payment Information

Investigations (Preview)

Liquidity management

Bank Information

Webhooks

Overview

Review actions

Returning the payment

Completing the payment

Path Parameters

Body

Response

​Overview

​Review actions

​Returning the payment

​Completing the payment

Path Parameters

Body

Response

Overview

Review actions

Returning the payment

Completing the payment