Skip to main content
Send international wire transfers to any bank worldwide via SWIFT. The platform handles message routing, correspondent banking, and provides real-time status updates via webhooks.

​
Key Features

Global Reach

Transfer to any country worldwide

Multi-Currency

Support for multiple currencies

Correspondent Banking

Automatic routing through intermediary banks

Real-time Tracking

Status updates via webhooks

​
API Reference

Create SWIFT Payment

Initiate international wire transfer

Sign Transactions

Approve payments requiring signature

Approve Transaction

Single transaction approval

Decline Transaction

Reject a pending transaction

​
Business Requirements

Always send an Idempotency-Key header when creating payments to prevent duplicates during retries.
Without idempotency, network retries can result in duplicate transfers.
SWIFT payments require the beneficiary bank’s BIC/SWIFT code.
Use the Bank Information API to look up BIC codes.
SWIFT transfers may incur correspondent bank charges. Options:
  • OUR - You pay all charges
  • SHA - Charges shared (default)
  • BEN - Beneficiary pays all charges

​
Create a SWIFT Payment

curl -X POST https://api.pgw-sandbox.finventi.com/gateway/createSwiftPmt \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: {uuid}" \
  -d '{
    "dr_acc": "LT543210010000000003",
    "dr_name": "Sender Name",
    "dr_amount": 100000,
    "dr_ccy_isocode": "EUR",
    "cr_acc": "GB82WEST12345698765432",
    "cr_name": "Recipient Ltd",
    "cr_amount": 100000,
    "cr_ccy_isocode": "GBP",
    "cr_bic": "WESTGB2L",
    "cr_country": "GB",
    "charge_bearer": "SHA",
    "trx_purpose": "Invoice INV-2026-001"
  }'

​
Request Fields

​
dr_acc
string
required
Debtor IBAN (sender account)
​
dr_name
string
required
Debtor name
​
dr_amount
integer
required
Amount in minor units (cents)
​
dr_ccy_isocode
string
required
Debtor currency (ISO code)
​
cr_acc
string
required
Creditor account number
​
cr_name
string
required
Creditor name
​
cr_amount
integer
required
Amount in minor units
​
cr_ccy_isocode
string
required
Creditor currency (ISO code)
​
cr_bic
string
required
Creditor bank BIC/SWIFT code
​
cr_country
string
required
Creditor country (ISO code)

​
Transaction Statuses

StatusDescriptionTiming
CreatedPayment initiatedImmediate
To signAwaiting approval (if configured)Until signed
SignedApproved, sent to correspondentSame day
AcceptedIn SWIFT network1-2 business days
CompletedSettled at beneficiary bank2-5 business days
SWIFT payments take longer than SEPA due to correspondent banking. Track status via webhooks and allow 2-5 business days for settlement.

​
Charge Bearer Options

OUR

You pay all chargesBeneficiary receives full amount

SHA

Shared chargesEach party pays their bank’s fees

BEN

Beneficiary paysCharges deducted from amount

​
Integration Checklist

1

Implement idempotency

Generate and persist Idempotency-Key for each payment
2

Validate BIC codes

Ensure beneficiary bank BIC/SWIFT code is valid
3

Handle multi-currency

Specify source and target currencies correctly
4

Implement webhook receiver

Track payment status via webhooks

​
Next Steps

Track and Reconcile

Monitor transactions and reconcile

Bank Information

Look up BIC codes from IBAN