> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finventi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Send SWIFT Payments

> Create and send international wire transfers via SWIFT.

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

<CardGroup cols={2}>
  <Card title="Global Reach" icon="globe">
    Transfer to any country worldwide
  </Card>

  <Card title="Multi-Currency" icon="money-bill-transfer">
    Support for multiple currencies
  </Card>

  <Card title="Correspondent Banking" icon="building-columns">
    Automatic routing through intermediary banks
  </Card>

  <Card title="Real-time Tracking" icon="bell">
    Status updates via webhooks
  </Card>
</CardGroup>

## API Reference

<CardGroup cols={2}>
  <Card title="Create SWIFT Payment" icon="paper-plane" href="/payments/api/swift/create-swift-payment">
    Initiate international wire transfer
  </Card>

  <Card title="Sign Transactions" icon="signature" href="/payments/api/swift/transactions-sign">
    Approve payments requiring signature
  </Card>

  <Card title="Approve Transaction" icon="check" href="/payments/api/swift/transaction-approve">
    Single transaction approval
  </Card>

  <Card title="Decline Transaction" icon="xmark" href="/payments/api/swift/transaction-decline">
    Reject a pending transaction
  </Card>
</CardGroup>

## Business Requirements

<AccordionGroup>
  <Accordion title="Use idempotency for payment creation" icon="key">
    Always send an `Idempotency-Key` header when creating payments to prevent duplicates during retries.

    <Warning>
      Without idempotency, network retries can result in duplicate transfers.
    </Warning>
  </Accordion>

  <Accordion title="BIC/SWIFT code is required" icon="building-columns">
    SWIFT payments require the beneficiary bank's BIC/SWIFT code.

    <Info>
      Use the [Bank Information API](/payments/api/accounts/get-bank-information-for-iban) to look up BIC codes.
    </Info>
  </Accordion>

  <Accordion title="Specify charge bearer" icon="receipt">
    SWIFT transfers may incur correspondent bank charges. Options:

    * `DEBT` - You (debtor) pay all charges
    * `SHAR` - Charges shared (default)
    * `CRED` - Beneficiary pays all charges (charge amount becomes mandatory when used)
  </Accordion>
</AccordionGroup>

## Create a SWIFT Payment

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST https://api.pgw-sandbox.finventi.com/v2/transactions/swift \
    -H "Authorization: Bearer {token}" \
    -H "Content-Type: application/json" \
    -H "Idempotency-Key: {uuid}" \
    -d '{
      "amount": 1050299,
      "currency": "EUR",
      "priority": "HIGH",
      "debtor": {
        "name": "Debtor Company Limited",
        "iban": "LT121000011101001000",
        "address": { "country": "LT", "townName": "Vilnius" }
      },
      "creditor": {
        "name": "Creditor Company Incorporated",
        "agentBic": "INVELT2XXXX",
        "otherAccount": { "id": "9876543210", "issuer": "DEUTDEFF", "scheme": "BBAN" },
        "address": { "country": "DE", "townName": "Frankfurt" }
      },
      "settlement": {
        "method": "INDA",
        "date": "2026-07-14",
        "iban": "GB29NWBK60161331926819",
        "bic": "DEUTDEFFXXX"
      }
    }'
  ```

  ```json Response theme={null}
  {
    "result": {
      "id": 12345,
      "status": "Created"
    }
  }
  ```
</CodeGroup>

### Request Fields

The request uses nested objects (`debtor`, `creditor`, `settlement`). See the [Create SWIFT Payment API reference](/payments/api/swift/create-swift-payment) for the full, authoritative request schema.

## Transaction Statuses

<Tabs>
  <Tab title="Success Flow">
    | Status          | Description                       | Timing            |
    | --------------- | --------------------------------- | ----------------- |
    | `Created`       | Payment initiated                 | Immediate         |
    | `To sign`       | Awaiting approval (if configured) | Until signed      |
    | `Signed`        | Approved, sent to correspondent   | Same day          |
    | `Sent to clear` | Delivered to SWIFT network        | Same day          |
    | `Accepted`      | Accepted by SWIFT network         | 1-2 business days |
    | `Completed`     | Settled at beneficiary bank       | 2-5 business days |
  </Tab>

  <Tab title="Error States">
    | Status      | Description                                   |
    | ----------- | --------------------------------------------- |
    | `Rejected`  | Rejected by correspondent or beneficiary bank |
    | `Cancelled` | Cancelled before SWIFT submission             |
  </Tab>
</Tabs>

<Note>
  SWIFT payments take longer than SEPA due to correspondent banking. Track status via webhooks and allow 2-5 business days for settlement.
</Note>

## Charge Bearer Options

<CardGroup cols={3}>
  <Card title="DEBT" icon="hand-holding-dollar">
    **You pay all charges**

    Beneficiary receives full amount
  </Card>

  <Card title="SHAR" icon="handshake">
    **Shared charges**

    Each party pays their bank's fees
  </Card>

  <Card title="CRED" icon="user-minus">
    **Beneficiary pays**

    Charges deducted from amount
  </Card>
</CardGroup>

## Integration Checklist

<Steps>
  <Step title="Implement idempotency">
    Generate and persist `Idempotency-Key` for each payment
  </Step>

  <Step title="Validate BIC codes">
    Ensure beneficiary bank BIC/SWIFT code is valid
  </Step>

  <Step title="Handle multi-currency">
    Specify source and target currencies correctly
  </Step>

  <Step title="Implement webhook receiver">
    Track payment status via webhooks
  </Step>
</Steps>

## Next Steps

<CardGroup cols={2}>
  <Card title="Track and Reconcile" icon="chart-line" href="/payments/integration-guide/payment-information">
    Monitor transactions and reconcile
  </Card>

  <Card title="Bank Information" icon="building-columns" href="/payments/api/accounts/get-bank-information-for-iban">
    Look up BIC codes from IBAN
  </Card>
</CardGroup>