Initiate a payment

POST /v1/{payment-service}/{payment-product}

Headers

Signature string

Path parameters

payment-service string Required

Values are payments or bulk-payments.
payment-product string Required

Values are sepa-credit-transfers or instant-sepa-credit-transfers.

application/json

Body object

debtorAccount object Required
Hide debtorAccount attributes Show debtorAccount attributes object
- iban string
  
  Format should match the following pattern: ^[A-Z]{2}[0-9]{2}[a-zA-Z0-9]{1,30}$.
- maskedPan string
  
  Minimum length is 0, maximum length is 35.
- currency string
  
  Format should match the following pattern: ^[A-Z]{3}$.
- cashAccountType string
instructedAmount object Required
Hide instructedAmount attributes Show instructedAmount attributes object
- currency string Required
  
  Format should match the following pattern: ^[A-Z]{3}$.
- amount string Required
  
  Format should match the following pattern: ^-?[0-9]{1,14}(\.[0-9]{1,3})?$.
creditorAccount object Required
Hide creditorAccount attributes Show creditorAccount attributes object
- iban string
  
  Format should match the following pattern: ^[A-Z]{2}[0-9]{2}[a-zA-Z0-9]{1,30}$.
- maskedPan string
  
  Minimum length is 0, maximum length is 35.
- currency string
  
  Format should match the following pattern: ^[A-Z]{3}$.
- cashAccountType string
creditorName string Required

Minimum length is 0, maximum length is 70.
endToEndIdentification string

Minimum length is 0, maximum length is 35.
creditorAddress object
Hide creditorAddress attributes Show creditorAddress attributes object
- country string Required
  
  Format should match the following pattern: ^[A-Z]{2}$.
- streetName string
  
  Minimum length is 0, maximum length is 70.
- townName string
- postCode string
remittanceInformationUnstructured string

Minimum length is 0, maximum length is 140.
requestedExecutionDate string(date)

debtorAccount object Required
Hide debtorAccount attributes Show debtorAccount attributes object
- iban string
  
  Format should match the following pattern: ^[A-Z]{2}[0-9]{2}[a-zA-Z0-9]{1,30}$.
- maskedPan string
  
  Minimum length is 0, maximum length is 35.
- currency string
  
  Format should match the following pattern: ^[A-Z]{3}$.
- cashAccountType string
payments array[object] Required
Hide payments attributes Show payments attributes object
- instructedAmount object Required
  Hide instructedAmount attributes Show instructedAmount attributes object
  
  currency string Required
  
  Format should match the following pattern: ^[A-Z]{3}$.
  
  amount string Required
  
  Format should match the following pattern: ^-?[0-9]{1,14}(\.[0-9]{1,3})?$.
- creditorAccount object Required
  Hide creditorAccount attributes Show creditorAccount attributes object
  
  iban string
  
  Format should match the following pattern: ^[A-Z]{2}[0-9]{2}[a-zA-Z0-9]{1,30}$.
  
  maskedPan string
  
  Minimum length is 0, maximum length is 35.
  
  currency string
  
  Format should match the following pattern: ^[A-Z]{3}$.
  
  cashAccountType string
- creditorName string Required
  
  Minimum length is 0, maximum length is 70.
- endToEndIdentification string
  
  Minimum length is 0, maximum length is 35.
- creditorAddress object
  Hide creditorAddress attributes Show creditorAddress attributes object
  
  country string Required
  
  Format should match the following pattern: ^[A-Z]{2}$.
  
  streetName string
  
  Minimum length is 0, maximum length is 70.
  
  townName string
  
  postCode string
- remittanceInformationUnstructured string
  
  Minimum length is 0, maximum length is 140.
requestedExecutionDate string(date)

Responses

default application/json

default response
Hide response attributes Show response attributes object
- transactionStatus string Required
  
  Values are ACSC, RCVD, PDNG, RJCT, CANC, ACFC, or PART.
- paymentId string Required
- _links object Required
  
  Hide _links attributes Show _links attributes object
  
  self object
  
  Hide self attribute Show self attribute object
  
  href string
  
  status object
  
  Hide status attribute Show status attribute object
  
  href string
- psuMessage string
  
  Minimum length is 0, maximum length is 500.
- tppMessages array[object]
  
  Hide tppMessages attributes Show tppMessages attributes object
  
  category string Required
  
  Values are ERROR or WARNING.
  
  code string Required
  
  Values are ACCESS_EXCEEDED, BENEFICIARY_WHITELISTING_REQUIRED, CANCELLATION_INVALID, CERTIFICATE_BLOCKED, CERTIFICATE_EXPIRED, CERTIFICATE_INVALID, CERTIFICATE_MISSING, CERTIFICATE_REVOKE, CONSENT_EXPIRED, CONSENT_INVALID, CONSENT_UNKNOWN, CORPORATE_ID_INVALID, EXECUTION_DATE_INVALID, FORMAT_ERROR, FUNDS_NOT_AVAILABLE, KID_MISSING, PARAMETER_NOT_CONSISTENT, PARAMETER_NOT_SUPPORTED, PAYMENT_FAILED, PERIOD_INVALID, PRODUCT_INVALID, PRODUCT_UNKNOWN, PSU_CREDENTIALS_INVALID, REQUESTED_FORMATS_INVALID, RESOURCE_BLOCKED, RESOURCE_EXPIRED, RESOURCE_UNKNOWN, ROLE_INVALID, SCA_INVALID, SCA_METHOD_UNKNOWN, SERVICE_BLOCKED, SERVICE_INVALID, SESSIONS_NOT_SUPPORTED, SIGNATURE_INVALID, SIGNATURE_MISSING, STATUS_INVALID, TIMESTAMP_INVALID, TOKEN_EXPIRED, TOKEN_INVALID, TOKEN_UNKNOWN, or WARNING.
  
  path string
  
  text string
  
  Minimum length is 0, maximum length is 500.

POST /v1/{payment-service}/{payment-product}

curl \
 --request POST 'https://api.memo.bank/nextgenpsd2/v1/{payment-service}/{payment-product}' \
 --header "Content-Type: application/json" \
 --header "Signature: $SIGNATURE" \
 --data '{"debtorAccount":{"iban":"string","maskedPan":"string","currency":"string","cashAccountType":"string"},"instructedAmount":{"currency":"string","amount":"string"},"creditorAccount":{"iban":"string","maskedPan":"string","currency":"string","cashAccountType":"string"},"creditorName":"string","endToEndIdentification":"string","creditorAddress":{"country":"string","streetName":"string","townName":"string","postCode":"string"},"remittanceInformationUnstructured":"string","requestedExecutionDate":"2025-05-04"}'

Request examples

# Headers
Signature: $SIGNATURE

# Payload
{
  "debtorAccount": {
    "iban": "string",
    "maskedPan": "string",
    "currency": "string",
    "cashAccountType": "string"
  },
  "instructedAmount": {
    "currency": "string",
    "amount": "string"
  },
  "creditorAccount": {
    "iban": "string",
    "maskedPan": "string",
    "currency": "string",
    "cashAccountType": "string"
  },
  "creditorName": "string",
  "endToEndIdentification": "string",
  "creditorAddress": {
    "country": "string",
    "streetName": "string",
    "townName": "string",
    "postCode": "string"
  },
  "remittanceInformationUnstructured": "string",
  "requestedExecutionDate": "2025-05-04"
}

# Headers
Signature: $SIGNATURE

# Payload
{
  "debtorAccount": {
    "iban": "string",
    "maskedPan": "string",
    "currency": "string",
    "cashAccountType": "string"
  },
  "payments": [
    {
      "instructedAmount": {
        "currency": "string",
        "amount": "string"
      },
      "creditorAccount": {
        "iban": "string",
        "maskedPan": "string",
        "currency": "string",
        "cashAccountType": "string"
      },
      "creditorName": "string",
      "endToEndIdentification": "string",
      "creditorAddress": {
        "country": "string",
        "streetName": "string",
        "townName": "string",
        "postCode": "string"
      },
      "remittanceInformationUnstructured": "string"
    }
  ],
  "requestedExecutionDate": "2025-05-04"
}

Response examples (default)

{
  "transactionStatus": "ACSC",
  "paymentId": "string",
  "_links": {
    "self": {
      "href": "string"
    },
    "status": {
      "href": "string"
    }
  },
  "psuMessage": "string",
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "ACCESS_EXCEEDED",
      "path": "string",
      "text": "string"
    }
  ]
}