To initiate standard payment you should call Initiate Payment API.
Tip! Make sure your Access token has ob-ps and ob-ps:authz-nosca scopes in it
Parameters and their descriptions mentioned below.
| Parameter | Description |
|---|---|
| paymentRail | Payment network infrastructure, using which money transfer is executed. ConnectPay supports the following payment rails: Internal – between two ConnectPay accounts; SEPA SCT Ins – SEPA Instant Credit Transfer; SEPA SCT – SEPA Credit Transfer; SWIFT – cross border transfer |
| debtorAccount.iban | Payer account |
| ultimateDebtor.name | Ultimate payer name |
| ultimateDebtor.dateOfBirth | Ultimate payer date of birth |
| creditorAccount.iban | Beneficiary account |
| creditorAccount.bic | Beneficiary bank code |
| creditorAccount.bankBranchCode | Beneficiary bank branch code |
| creditorAccount.bankName | Beneficiary bank name |
| creditorName | Beneficiary name |
| instructedAmount.amount | Precise instructed amount value. For example: 9.00 |
| instructedAmount.currency | Instructed currency Available currencies: EUR, USD, CAD, JPY, PLN, GBP, CZK, CHF, AUD, SEK, DKK, NOK, HUF, RON, SGD, HKD |
| creditorAddress.addressLine1 | Beneficiary address |
| creditorAddress.city | Beneficiary city |
| creditorAddress.postcode | Beneficiary post code |
| creditorAddress.state | Beneficiary state |
| creditorAddress.countryCode | Beneficiary country code using ISO 3166-1 standard |
| remittanceInformationUnstructured | Payment details |
| remittanceInformationStructured.reference | Payment details |
| externalReference | Payment reference number provided by the customer |
Tip! As mentioned in Payment rails section, “paymentRail” is optional field. If not filled in, then payment rail will be calculated automatically and fastest payment rail will be chosen by ConnectPay when Initiate Payment API is called.
For Financial Institutions, when making payments on behalf of their clients, it is mandatory to provide full name of Ultimate Debtor. Use “ultimateDebtor.name” property. Please do not use “ultimateDebtor.name” property if it’s not applicable in your case.
Response body of Initiate Payment API will return “paymentOrderNo”, “paymentRail”, “transactionStatus” and “transactionFees”.
{
"paymentOrderNo": "s-63094981950428443476",
"paymentRail": "SEPA_SCT",
"transactionStatus": "RCVD",
"transactionFeeIndicator": true,
"transactionFees": {
"amount": "5.00",
"currency": "EUR"
}