Send Your First Payment

Inventi routes your SEPA payments through CSM, giving you direct access to European clearing networks.

What happens when you send a payment:

You submit the payment via API
Inventi validates and forwards to CSM
The clearing system routes to the beneficiary bank
You receive status updates via webhooks

Supported Payment Types

SEPA Credit Transfer

Standard transfers with next business day settlement

SEPA Instant

Real-time payments settled in under 10 seconds

API Reference

Create SEPA Payment

Initiate SCT or Instant payment

Sign Transactions

Approve payments requiring signature

Approve Transaction

Single transaction approval

Decline Transaction

Reject a pending transaction

Transaction Status Webhook

Track payment lifecycle

Get Transaction

Retrieve payment details

Business Requirements

Use idempotency for payment creation

Always send an Idempotency-Key header when creating payments. If your request times out, retry with the same key to prevent duplicate payments.

Without idempotency, network retries can result in duplicate transactions.

Treat trx_id as the primary key

The create response returns result.id (transaction ID). Persist it immediately and use it for all subsequent operations.

Store both trx_id and end_to_end_id for complete tracking and reconciliation.

Webhooks are the source of truth

Use the Payment Status Change webhook to update transaction state in real-time. Implement API polling only as a fallback for reconciliation.

TO_SIGN requires approval

Depending on your tenant configuration, transactions may require approval before processing. When status is To sign, use one of these methods:

Single approval: PATCH /v1/transactions/{id}:approve
Bulk signing: POST /v1/transactions/signatures

Choose based on your UX: single-button approve for simple flows, bulk signing for queue-based approval workflows.

Transaction Lifecycle

Transaction Statuses

SEPA Credit Transfer
SEPA Instant
Error States

Status	Description	Timing
`Created`	Payment initiated	Immediate
`To sign`	Awaiting approval (if configured)	Until signed
`Signed`	Approved, queued for clearing	Until cut-off
`Sent to clear`	Delivered to CSM for processing	After cut-off
`Accepted`	Accepted by CSM	Next business day
`Completed`	Settled at beneficiary bank	D+1

Status	Description	Timing
`Created`	Payment initiated	Immediate
`To sign`	Awaiting approval (if configured)	Until signed
`Signed`	Approved, sent to clearing	Immediate
`Sent to clear`	Delivered to CSM for processing	Immediate
`Accepted`	Accepted by CSM	Seconds
`Completed`	Settled at beneficiary bank	< 10 seconds

Status	Description
`Cancelled`	Cancelled before clearing submission
`Rejected`	Rejected by clearing or beneficiary bank

Create a Payment

curl -X POST https://api.pgw-sandbox.finventi.com/gateway/createSepaPmt \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: {uuid}" \
  -d '{
    "dr_acc": "LT543210010000000003",
    "dr_name": "Sender Name",
    "dr_amount": 10657,
    "dr_ccy_isocode": "EUR",
    "cr_acc": "LT123450010000000004",
    "cr_name": "Recipient Name",
    "cr_amount": 10657,
    "cr_ccy_isocode": "EUR",
    "inst": true,
    "trx_purpose": "Invoice 2026-001"
  }'

{
  "result": {
    "id": 12345,
    "status": "Created"
  }
}

Request Fields

string

required

Debtor IBAN (sender account)

string

required

Debtor name

integer

required

Amount in cents

string

required

Currency code (EUR)

string

required

Creditor IBAN (recipient account)

string

required

Creditor name

integer

required

Amount in cents

string

required

Currency code (EUR)

boolean

true for SEPA Instant, false for SCT

string

Payment reference / remittance info

Payment Flows

Without Signing
With Signing
Decline Flow

Standard flow when approval is not required.

Flow when transactions require approval before processing.

Signing rules:

Only for SCT and SEPA Instant
Transaction must be in To sign status
Signing client must be different from creating client (maker-checker)

Sign Transactions

curl -X PATCH https://api.pgw-sandbox.finventi.com/v1/transactions/{id}:approve \
  -H "Authorization: Bearer {token}"

curl -X POST https://api.pgw-sandbox.finventi.com/v1/transactions/signatures \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -d '{
    "transactionIds": [12345, 67890]
  }'

{
  "count": 2,
  "failedToSignTransactionIds": []
}

If failedToSignTransactionIds is not empty, those transactions were not signed. Check their status and retry if needed.

Webhook Integration

Payment Status Change

Each status transition triggers a webhook notification with these fields:

string

required

Transaction identifier

string

End-to-end reference

string

required

OUTBOUND for sent payments

string

required

Current transaction status

integer

required

Amount in cents

string

required

Currency code

datetime

required

Status change timestamp

Signature Verification

Verify webhook authenticity using these headers:

Header	Purpose
`finventi-signature-1`	RSASSA-PKCS1-v1_5 signature
`finventi-signature-timestamp`	Request timestamp
`finventi-receiver-tenant-id`	Your tenant ID

See Signature Verification for implementation details.

If your webhook endpoint fails, the platform retries and holds all subsequent notifications until the blocked one succeeds.

Reconciliation

Use API polling as a fallback when webhooks may have gaps.

Get Transaction

Retrieve current transaction details

Status History

View complete status timeline

Run a nightly job to fetch recent transactions and compare statuses. Store any missing transitions for audit completeness.

Data Model

Store these fields for complete tracking:

string

required

Platform transaction ID (primary key)

string

Customer reference for reconciliation

string

required

Your generated key for retry safety

string

required

Latest transaction status

array

required

Append-only list of status transitions

Integration Checklist

Implement idempotency

Generate and persist an Idempotency-Key for each payment intent before calling the API

Store transaction ID

Persist trx_id from the response immediately after creation

Implement webhook receiver

Create an idempotent endpoint that responds 2xx quickly and processes asynchronously

Verify webhook signatures

Validate authenticity using the provided signature headers

Handle signing flow

If approval is required, implement signing/approval actions for To sign transactions

Build reconciliation

Implement status polling as a fallback for missed webhooks

What’s Next?

You can now send payments. Next, set up your system to receive payments and handle the full payment lifecycle:

Receive Payments

Handle incoming SEPA payments via webhooks

Track and Reconcile

Monitor transactions and reconcile with Nostro statements

Cancel Payments

Request cancellation when needed

SWIFT Payments

Send international transfers outside SEPA

​Send Your First Payment

​Supported Payment Types

SEPA Credit Transfer

SEPA Instant

​API Reference

Create SEPA Payment

Sign Transactions

Approve Transaction

Decline Transaction

Transaction Status Webhook

Get Transaction

​Business Requirements

​Transaction Lifecycle

​Transaction Statuses

​Create a Payment

​Request Fields

​Payment Flows

​Sign Transactions

​Webhook Integration

​Payment Status Change

​Signature Verification

​Reconciliation

Get Transaction

Status History

​Data Model

​Integration Checklist

​What’s Next?

Receive Payments

Track and Reconcile

Cancel Payments

SWIFT Payments

Send Your First Payment

Supported Payment Types

API Reference

Business Requirements

Transaction Lifecycle

Transaction Statuses

Create a Payment

Request Fields

Payment Flows

Sign Transactions

Webhook Integration

Payment Status Change

Signature Verification

Reconciliation

Data Model

Integration Checklist

What’s Next?