Payment rails

When you have BaaS Client Account from which you want to initiate a payment, we suggest calling Get Payment Rails API. In the request body, you need to pass creditor and debtor IBANs as well as instructed amount and currency. “debtorAccount” will be your BaaS Client Account from which you want to make a BaaS payment and “creditorAccount” will be a beneficiary account which must receive a payment.

{
	"debtorAccount": {
		"iban": "LT843740020000007036"
	},
	"creditorAccount": {
		"iban": "LT573740020000007037"
	},
	
	"instructedAmount": {
		"amount": "20000.00",
		"currency": "EUR"
	}
}

The response body will return fastest applicable payment rail in “paymentRails” parameter (more than one value can be returned in “paymentRails” parameter). Then, use one of “paymentRails” values for Initiate Payment API request to make a BaaS Payment on behalf of BaaS Client.

{
  "paymentRails": [
    "INTERNAL","SEPA_SCT"
  ]
}

Get Payment Rails API is not mandatory for BaaS payments creation, however, it will help you identify the fastest rail possible. If you decide to skip Get Payment Rails API, then payment rail will be calculated automatically and fastest payment rail will be chosen by ConnectPay when Initiate Payment API is called.

Possible payment rails:

Tip! “SWIFT” payment rail requires more parameters to be passed in Initiate Payment API.