Create a single immediate payment between the customer's account and the recipient. /payments

  • Name
  • x-idempotency-key
    Every request will be processed only once per x-idempotency-key. The Idempotency Key will be valid for 24 hours.
  • x-fapi-financial-id
    Mandated by Open Banking, it is the unique ID of the bank. (Relevant only to UK)
  • x-fapi-customer-last-logged-time
    The time when the payment service user last logged in with the third party provider. All dates in the HTTP headers are represented as RFC 7231 Full Dates. An example is below:
  • x-fapi-customer-ip-address
    The service user's IP address if the service user is currently logged in with the third party provider.
  • x-fapi-interaction-id
    An RFC4122 UID used as a correlation id.
  • Authorization
    An Authorization Token as per
  • x-jws-signature
    Header containing a JWS signature of the body of the payload. (example payload provided in request body description below)
  • Content-Type
    Content type of the payload.

Body Parameters

Name Values Description

Request Body

This is an example of the required payload to successfully Initiate a payment on behalf of a user ----> { "Data": { "Initiation": { "InstructionIdentification": "ACME412", "EndToEndIdentification": "FRESCO.21302.GFX.20", "InstructedAmount": { "Amount": "165.88", "Currency": "GBP" }, "CreditorAccount": { "SchemeName": "SortCodeAccountNumber", "Identification": "08080021325698", "Name": "ACME Inc", "SecondaryIdentification": "0002" }, "RemittanceInformation": { "Reference": "FRESCO-101", "Unstructured": "Internal ops code 5120101" } } }, "Risk": { "PaymentContextCode": "EcommerceGoods", "MerchantCategoryCode": "5967", "MerchantCustomerIdentification": "053598653254", "DeliveryAddress": { "AddressLine": [ "Flat 7", "Acacia Lodge" ], "StreetName": "Acacia Avenue", "BuildingNumber": "27", "PostCode": "GU31 2ZZ", "TownName": "Sparsholt", "CountySubDivision": [ "Wessex" ], "Country": "UK" } } }

Basic Auth

OAuth 2.0

Custom Token


Make a request and see the response.

Make a request and see the response.

Resource Summary


This is the place where EventTypes description lies.

Sample Error Messages & Error Codes.

This is where error messages sample and description lies.
This is the place where HTTP Status Codes.