SEPA Credit Transfer Payout Payload
Request and response payloads for SEPA Credit Transfer payouts.
2 min readUpdated Jul 23, 2026
Payment Method Identifier: SEPA_CREDIT_TRANSFER | Payment Type: BANK_TRANSFER
SEPA Credit Transfer is a EUR bank transfer payout method. The beneficiary's IBAN and account holder name are submitted directly in the apmPayload — no redirect or QR code is needed. The request is processed server-to-server and the response returns actionType: NONE. Only EUR payouts are supported.
Currently supported for payouts via POST /api/v1/payouts/apm.
#Required Request Fields
Top-Level Fields
| Field | Type | Description |
|---|---|---|
callbackUrl | String | URL to receive transaction status updates |
successRedirectUrl | String | URL to redirect the customer after successful payment |
failureRedirectUrl | String | URL to redirect the customer after failed payment |
Billing Details (ApmBillingDetails)
| Field | Type | Description |
|---|---|---|
email | String | The customer's email address used for communication or receipts |
#Payload Structure
{
"paymentMethod": "SEPA_CREDIT_TRANSFER",
"paymentType": "BANK_TRANSFER",
"iban": "DE89370400440532013000",
"accountHolderName": "Ada Lovelace"
}Payload Fields
| Field | Type | Required | Description |
|---|---|---|---|
paymentMethod | Enum | Yes | Must be set to SEPA_CREDIT_TRANSFER |
paymentType | Enum | Yes | Must be set to BANK_TRANSFER |
iban | String | Yes | Beneficiary IBAN for the destination bank account |
accountHolderName | String | Yes | Full legal name of the beneficiary account holder |
#Expected apmResponseData
{
"paymentMethod": "SEPA_CREDIT_TRANSFER",
"paymentType": "BANK_TRANSFER",
"actionType": "NONE",
"redirectUrl": null,
"iframeUrl": null,
"qrData": null,
"qrDeepLink": null,
"providerTransactionId": "sepa-order-123456789"
}#Response Fields
| Field | Type | Description |
|---|---|---|
paymentMethod | Enum | Always SEPA_CREDIT_TRANSFER |
paymentType | Enum | Always BANK_TRANSFER |
actionType | Enum | Always NONE — no customer redirect needed |
redirectUrl | String | Always null |
iframeUrl | String | Always null |
qrData | String | Always null |
qrDeepLink | String | Always null |
providerTransactionId | String | Provider order identifier returned for the payout |
SEPA Credit Transfer results are typically asynchronous — the initial response may be PROCESSING / PENDING. Wait for the webhook to determine the final status.
#See Also
- POST /api/v1/payouts/apm — Payout endpoint reference
- Payout Flow — End-to-end APM payout flow
- S2S Flow Payload — Generic S2S payload structure
- APM Payload References — All supported payment methods
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