Step 2 - Accept a quote

Upon accepting a quotation, a payment will be initiated.

Create a Payment

The payment data structure must encompass all essential details required to execute the transaction, including information about the sender, the beneficiary, and the quotation. From now on, this structure will be referred to as "UserInfo".

The UserInfo data structure is modeled after ISO 20200.

The UserInfo structure is consistent and unique across all country destinations, yet the mandatory fields required and validations will vary for each country. You can get all details in this link UserInfo

Parameters to take into account

QuoteId

It is the quote ID you generated before; a payment needs to be associated with a quote.

ReferenceId

This is the idempotency ID of the payment, generated by your systems. It can be used to identify a payment with an ID that both parties understand.

UserInfo

Here, you will input the sender, beneficiary, and payment method information required to execute the transaction.

You can get a full description here:

⭐UserInfo

WebhookUrl

This URL is used to post notifications about when the transaction is locked or when a lock is declined. It's not mandatory, but we would recommend using it. Alternatively, you can use this method: Step 4 - Get the payment status

API call

Accepts the quote.

post

Required scopes

This endpoint requires the following scopes:

• : MoneyTransfer API
• : Support API

Authorizations

oauth2-client-credentials & oauth2-implicit

OAuth2clientCredentialsRequired

Token URL:

OAuth2implicitRequired

Authorization URL:

Body

application/json-patch+jsonapplication/jsonapplication/*+json

quoteIdstring · uuidOptional

referenceIdstringOptional

webHookUrlstringOptional

waitForLockbooleanOptional

Responses

201

Returns the newly created payment object with status CREATED

application/json

idstring · uuidOptional

typestring · enumOptionalPossible values:

createdAtstring · date-timeOptional

quoteIdstring · uuidOptional

payerIdinteger · int32Optional

debitAmountnumber · doubleOptional

debitCurrencystringOptional

fxRatenumber · doubleOptional

amountnumber · doubleOptional

currencystringOptional

collectMethodstring · enumOptionalPossible values:

referenceIdstringOptional

statusstring · enumOptionalPossible values:

subStatestring · enumOptionalPossible values:

lockDeclineReasonstringOptional

lockDeclineDescriptionstringOptional

reverseReasonstringOptional

payerPaymentCodestringOptional

transactionIdinteger · int32Optional

lockedAtstring · date-timeOptional

lockDeclinedAtstring · date-timeOptional

expiredAtstring · date-timeOptional

settledAtstring · date-timeOptional

forwardedAtstring · date-timeOptional

awaitingCollectionSincestring · date-timeOptional

completedAtstring · date-timeOptional

reversedAtstring · date-timeOptional

liquidityErrorbooleanOptional

invoiceUrlstringOptional

400

If the request body is not correct

401

Unauthorized

403

Forbidden

409

If the Quote was already Accepted

412

If the Quote is expired

post

/api/Payments

HTTPcURLJavaScriptPython

POST /api/Payments HTTP/1.1
Authorization: Bearer YOUR_OAUTH2_TOKEN
Content-Type: application/json-patch+json
Accept: */*
Content-Length: 1308

{
  "quoteId": "123e4567-e89b-12d3-a456-426614174000",
  "referenceId": "text",
  "userInfo": {
    "Dbtr": {
      "StrdNm": {
        "FirstNm": "text",
        "LastNm": "text"
      },
      "PstlAdr": {
        "Ctry": "text",
        "CtrySubDvsn": "text",
        "TwnNm": "text",
        "AdrLine": "text",
        "PstCd": "text"
      },
      "Id": {
        "PrvtId": {
          "Othr": {
            "Id": "text",
            "Issr": "text",
            "SchmeNm": {
              "Cd": "ARNU",
              "Prtry": "text"
            }
          },
          "DtAndPlcOfBirth": {
            "BirthDt": "text",
            "CtryOfBirth": "text"
          }
        },
        "OrgId": {
          "Othr": {
            "Id": "text",
            "Issr": "text",
            "SchmeNm": {
              "Cd": "ARNU",
              "Prtry": "text"
            }
          }
        }
      },
      "CtctDtls": {
        "EmailAdr": "text",
        "PhneNb": "text",
        "Othr": "text"
      },
      "Nm": "text"
    },
    "Cdtr": {
      "StrdNm": {
        "FirstNm": "text",
        "LastNm": "text"
      },
      "PstlAdr": {
        "Ctry": "text",
        "CtrySubDvsn": "text",
        "TwnNm": "text",
        "AdrLine": "text",
        "PstCd": "text"
      },
      "Id": {
        "PrvtId": {
          "Othr": {
            "Id": "text",
            "Issr": "text",
            "SchmeNm": {
              "Cd": "ARNU",
              "Prtry": "text"
            }
          },
          "DtAndPlcOfBirth": {
            "BirthDt": "text",
            "CtryOfBirth": "text"
          }
        }
      },
      "CtctDtls": {
        "EmailAdr": "text",
        "PhneNb": "text",
        "Othr": "text"
      }
    },
    "CdtrAgt": {
      "FinInstnId": {
        "BICFI": "text"
      },
      "BrnchId": {
        "Id": "text"
      }
    },
    "CdtrAcct": {
      "Id": {
        "Othr": {
          "Id": "text"
        }
      },
      "Tp": {
        "Cd": "SVGS"
      }
    },
    "Purp": {
      "Prtry": "FAMILY_SUPPORT"
    },
    "InstForCdtrAgt": {
      "InstrInf": "text"
    },
    "PmtId": {
      "TxId": "text"
    }
  },
  "billingInfo": {
    "Ctry": "text",
    "Fx": {
      "Currency": "text",
      "Rate": 1,
      "Spread": 1
    },
    "NetAmount": 1,
    "Commission": {
      "Amount": 1,
      "Rate": 1
    },
    "Vat": {
      "Amount": 1,
      "Rate": 1
    }
  },
  "webHookUrl": "text",
  "waitForLock": true
}

application/json-patch+jsonapplication/jsonapplication/*+json

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "type": "C2C",
  "createdAt": "2026-04-02T18:57:20.333Z",
  "quoteId": "123e4567-e89b-12d3-a456-426614174000",
  "payerId": 1,
  "debitAmount": 1,
  "debitCurrency": "text",
  "fxRate": 1,
  "amount": 1,
  "currency": "text",
  "collectMethod": "CASH_PICKUP",
  "referenceId": "text",
  "userInfo": {
    "Dbtr": {
      "StrdNm": {
        "FirstNm": "text",
        "LastNm": "text"
      },
      "PstlAdr": {
        "Ctry": "text",
        "CtrySubDvsn": "text",
        "TwnNm": "text",
        "AdrLine": "text",
        "PstCd": "text"
      },
      "Id": {
        "PrvtId": {
          "Othr": {
            "Id": "text",
            "Issr": "text",
            "SchmeNm": {
              "Cd": "ARNU",
              "Prtry": "text"
            }
          },
          "DtAndPlcOfBirth": {
            "BirthDt": "text",
            "CtryOfBirth": "text"
          }
        },
        "OrgId": {
          "Othr": {
            "Id": "text",
            "Issr": "text",
            "SchmeNm": {
              "Cd": "ARNU",
              "Prtry": "text"
            }
          }
        }
      },
      "CtctDtls": {
        "EmailAdr": "text",
        "PhneNb": "text",
        "Othr": "text"
      },
      "Nm": "text"
    },
    "Cdtr": {
      "StrdNm": {
        "FirstNm": "text",
        "LastNm": "text"
      },
      "PstlAdr": {
        "Ctry": "text",
        "CtrySubDvsn": "text",
        "TwnNm": "text",
        "AdrLine": "text",
        "PstCd": "text"
      },
      "Id": {
        "PrvtId": {
          "Othr": {
            "Id": "text",
            "Issr": "text",
            "SchmeNm": {
              "Cd": "ARNU",
              "Prtry": "text"
            }
          },
          "DtAndPlcOfBirth": {
            "BirthDt": "text",
            "CtryOfBirth": "text"
          }
        }
      },
      "CtctDtls": {
        "EmailAdr": "text",
        "PhneNb": "text",
        "Othr": "text"
      }
    },
    "CdtrAgt": {
      "FinInstnId": {
        "BICFI": "text"
      },
      "BrnchId": {
        "Id": "text"
      }
    },
    "CdtrAcct": {
      "Id": {
        "Othr": {
          "Id": "text"
        }
      },
      "Tp": {
        "Cd": "SVGS"
      }
    },
    "Purp": {
      "Prtry": "FAMILY_SUPPORT"
    },
    "InstForCdtrAgt": {
      "InstrInf": "text"
    },
    "PmtId": {
      "TxId": "text"
    }
  },
  "status": "CREATED",
  "subState": "FORWARDED",
  "lockDeclineReason": "text",
  "lockDeclineDescription": "text",
  "reverseReason": "text",
  "withholdingPercentages": {
    "vatWithholdingPercentage": 1,
    "incomeWithholdingPercentage": 1,
    "vatWithholdingReceiptUrl": "text",
    "incomeWithholdingReceiptUrl": "text"
  },
  "payerPaymentCode": "text",
  "transactionId": 1,
  "lockedAt": "2026-04-02T18:57:20.333Z",
  "lockDeclinedAt": "2026-04-02T18:57:20.333Z",
  "expiredAt": "2026-04-02T18:57:20.333Z",
  "settledAt": "2026-04-02T18:57:20.333Z",
  "forwardedAt": "2026-04-02T18:57:20.333Z",
  "awaitingCollectionSince": "2026-04-02T18:57:20.333Z",
  "completedAt": "2026-04-02T18:57:20.333Z",
  "reversedAt": "2026-04-02T18:57:20.333Z",
  "liquidityError": true,
  "invoiceUrl": "text"
}