Before you initiate standard payment using the Initiate Payment API, we suggest calling the Get Payment Rails API. In the request body, you need to pass creditor and debtor IBANs as well as the instructed amount and currency.
{ntu0022debtorAccountu0022: {nttu0022ibanu0022: u0022LT843740020000007036u0022nt},ntu0022creditorAccountu0022: {nttu0022ibanu0022: u0022LT573740020000007037u0022nt},ntntu0022instructedAmountu0022: {nttu0022amountu0022: u002220000.00u0022,nttu0022currencyu0022: u0022EURu0022nt}n}The response body will return the fastest applicable payment rail in the “paymentRails” parameter (more than one value can be returned into the “paymentRails” parameter). Then, use one of “paymentRails” values for Initiate Payment API request.
{n u0022paymentRailsu0022: [n u0022INTERNALu0022,u0022SEPA_SCTu0022n ]n}Get Payment Rails API is not mandatory for standard payments creation, however, it will help you identify the fastest rail possible. If you decide to skip the Get Payment Rails API, then the payment rail will be calculated automatically, and the fastest payment rail will be chosen by ConnectPay when the Initiate Payment API is called.
Possible payment rails:
| Payment Rail | Description |
|---|---|
| “INTERNAL” | Transfer between two ConnectPay accounts |
| “SEPA_SCT_INST” | SEPA Instant Credit Transfer (SEPA SCT Inst) |
| “SEPA_SCT” | SEPA Credit Transfer (SEPA SCT) |
| “SWIFT” | Cross-border transfer |
Tip! “SWIFT” payment rail requires more parameters to be passed in Initiate Payment API.
More information in Initiate Payment API.