Outbound Payments
Authorization header containing your API Token
Nonce used to generate the payload signature
Payload signature
Date of the request un UTC/GMT
Source account id from which payment is sent
e0cab2dd-739f-43de-b131-3e423e935bf1
Counterparty details of the payment destination
Unique key to ensure idempotency of payment requests
1483d25d-3f00-4d39-90ce-2379a130becd
Amount in minor units (e.g. for £1.29 enter 129)
129
Reference identifier provided by partner.
ae588135-0391-42a8-a4e4-e8e7645fa707
Description of the payment
Sent from Algbra
The payment rail to use (e.g. Faster Payments)
FASTER_PAYMENTS
Example: FASTER_PAYMENTS
Possible values: Policy for determining which rail to use
DETECT
Possible values: Metadata required to verify the payment request
Purpose of the payment
PAY_INVOICE
Possible values: Returns payment id to be used in the next step
Input validation error
Forbidden
Precondition failed
POST /v1/partner/payments/customers/{customerId}/payments/external HTTP/1.1
Host: api-url
Content-Type: application/json
Accept: */*
Content-Length: 693
{
"sourceAccountId": "e0cab2dd-739f-43de-b131-3e423e935bf1",
"destinationCounterparty": {
"type": "PERSONAL",
"details": {
"firstName": "John",
"lastName": "Doe"
},
"accountCurrency": "GBP",
"accountReferenceType": "UK_ACCOUNT",
"accountReference": {
"type": "UK_ACCOUNT",
"accountNumber": "12345678",
"sortCode": "010102"
}
},
"idempotencyKey": "1483d25d-3f00-4d39-90ce-2379a130becd",
"amount": 129,
"externalReference": "ae588135-0391-42a8-a4e4-e8e7645fa707",
"description": "Sent from Algbra",
"rails": "FASTER_PAYMENTS",
"railsPolicy": "DETECT",
"verificationMetadata": {
"verificationType": "SMS_OTP_VERIFIED",
"verificationReference": "text",
"exemptionType": "INTERNAL_COUNTERPARTY",
"exemptionReason": "text"
},
"purpose": "PAY_INVOICE"
}
{
"paymentId": "1489dd60-aa06-48a6-a267-e7d4a9a84200",
"processingState": "SUCCESS",
"createdOn": "2025-09-12T15:17:08.888Z",
"transaction": {
"transactionId": "68c2a19131a3b726fe47fdda",
"uniqueToken": "1489dd60-aa06-48a6-a267-e7d4a9a84200",
"origin": "TRANSFER",
"state": "COMPLETED",
"category": "TRANSFERS",
"impactType": "CREDIT",
"customerId": "a2b9649e-df7f-4349-adff-1c57283fef10",
"amount": 129,
"currencyCode": "GBP",
"description": "Sent from Algbra",
"exchangeRate": "1.0",
"exchangeCurrencyCode": "GBP",
"sourceCounterparty": {
"type": "PERSONAL",
"details": {
"firstName": "John",
"lastName": "Doe"
},
"accountCurrency": "GBP",
"accountReferenceType": "UK_ACCOUNT",
"accountReference": {
"type": "UK_ACCOUNT",
"accountNumber": "12345678",
"sortCode": "010102"
}
},
"destinationCounterparty": {
"type": "PERSONAL",
"details": {
"firstName": "John",
"lastName": "Doe"
},
"accountCurrency": "GBP",
"accountReferenceType": "UK_ACCOUNT",
"accountReference": {
"type": "UK_ACCOUNT",
"accountNumber": "12345678",
"sortCode": "010102"
}
},
"transactionDate": "2025-01-01T10:32:01.162Z",
"transferMetadata": {
"rails": "FASTER_PAYMENTS",
"transactionProgress": [
{
"event": "COMPLETED",
"date": "2025-01-01T10:16:49.621Z"
}
]
}
},
"initiationRequest": {
"sourceAccountId": "e0cab2dd-739f-43de-b131-3e423e935bf1",
"destinationAccountId": "ae66fcb2-2852-4568-990d-accc78572e4d",
"idempotencyKey": "1483d25d-3f00-4d39-90ce-2379a130becd",
"amount": 129,
"externalReference": "ae588135-0391-42a8-a4e4-e8e7645fa707",
"description": "Sent from Algbra",
"verificationMetadata": {
"verificationType": "SMS_OTP_VERIFIED",
"verificationReference": "text",
"exemptionType": "INTERNAL_COUNTERPARTY",
"exemptionReason": "text"
},
"purpose": "PAY_INVOICE"
}
}
SEPA Rails
For partners who need to make payments to other countries within the European Union, the API supports the Single Euro Payments Area (SEPA) payment scheme. SEPA covers the whole of the EU as well as Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino, United Kingdom, Vatican City State, Mayotte, Saint-Pierre-et Miquelon, Guernsey, Jersey and Isle of Man. This means that customers can make payments to other SEPA countries using the same standard process as they would for domestic payments, simplifying the payment process and reducing transaction costs.
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