Partner API
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    • SEPA Transfers
    • Create a SEPA Transfer
      POST
    • Get SEPA Transfer Details
      GET
    • Get SEPA Deposit Info
      GET

      Create a SEPA Transfer

      Testing
      Testing Env
      https://partner-api-stage.p100.io
      Testing Env
      https://partner-api-stage.p100.io
      POST
      /v1/partner/sepa-transfer
      This endpoint initiates a SEPA transfer from the user's balance to an external IBAN.

      Integration Levels & Requirements#

      The request structure depends strictly on the partner/user verification level:

      🟢 Level 1: Standard (Closed Loop)#

      Applies to new users and standard integrations.
      Transfers are restricted to the user's own bank account.
      Logic: The system automatically verifies that the destination matches the user's KYC profile.
      Required Fields: amount, currency, destinationIban, transferTitle.
      Receiver Details: Do not provide receiverType, names, or company name. These are automatically handled by the system.

      🔵 Level 2: Legacy (Open Loop)#

      Applies only to select legacy partners.
      Transfers can be made to third parties (individuals or companies).
      Logic: You must explicitly define who the recipient is.
      Required Fields: All standard fields PLUS receiverType and the corresponding details (receiverFirstName/receiverLastName OR companyName).

      Asynchronous Processing#

      Important
      Business logic errors (such as insufficient funds) are not checked immediately.
      The API validates the request format and queues it for processing. To verify the final status and check for rejection reasons, you must use the Get SEPA Transfer Details endpoint using the transferId returned by this call.

      Request

      Authorization
      API Key
      Add parameter in header
      x-api-key
      Example:
      x-api-key: ********************
      or
      Body Params application/json

      Examples

      Responses

      🟢201Created
      application/json
      Body

      🟠401Access Denied
      🟠400P403: Validation error
      🟠400P500: Unknown exception
      🟠400P501: Service temporarily unavailable
      Request Request Example
      Shell
      JavaScript
      Java
      Swift
      cURL
      curl --location --request POST 'https://partner-api-stage.p100.io/v1/partner/sepa-transfer' \
--header 'x-api-key: <api-key>' \
--header 'Content-Type: application/json' \
--data-raw '{
  "currency": "EUR",
  "amount": 1500.00,
  "destinationIban": "PL10105000997603123456789123",
  "transferTitle": "Liquidity withdrawal"
}'
      Response Response Example
      201 - Success
      {
    "transferId": "9b635d3d-a49c-4094-9088-7364c0c8809d"
}
      Next
      Get SEPA Transfer Details
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