Create transfer

POST https://wallet.paysera.com/transfer/rest/v1/transfers

Create transfer in the system. Created transfer is invisible and will be deleted if no more actions are performed.

Authorization

This endpoint requires MAC (Message Authentication Code) authentication.

Authorization Header Format:

Authorization: MAC id="CLIENT_ID", ts="TIMESTAMP", nonce="RANDOM_STRING", mac="MAC_HASH", ext="body_hash=BODY_HASH"

Example:

Authorization: MAC id="a9b8c7d6e5f4g3h2", ts="1234567890", nonce="xyz123abc456def", mac="dGhpcyBpcyBhIHJhbmRvbSBtYWMgaGFzaCB2YWx1ZQ==", ext="body_hash=cmFuZG9tQm9keUhhc2hWYWx1ZQ%3D%3D"

For more details, see the Authentication section.

Request Body

Field	Type	Required	Description
bank_key	string		An optional parameter that specifies the bank key to be used for routing the transfer. If provided, the transfer will only be created if the specified bank key matches an available routing option. This acts as a safeguard to ensure that transfers are executed through the correct banking route. If an incorrect or non-matching bank key is specified, the transfer request will be rejected. If the parameter is not provided, routing will proceed as normal without this additional validation.
amount	object	✓	Amount to transfer
beneficiary	object	✓	Recipient details
payer	object	✓	Sender details
final_beneficiary	object		This is used where available (for example in SEPA transfers) to provide information about final beneficiary of transfered funds. Just ignore if it's not required in your case
perform_at	integer		Timestamp when Transfer should be perfomed. Leave empty to perform as soon as possible
charge_type	string		It's used only for some bank transfers. It's used when banks could charge additional commissions in between payer and beneficiary bank or when beneficiary bank could charge additional commissions. SHA is shared, OUR is payer side. For OUR commission is greater but beneficiary should not be charged - whole specified amount should reach beneficiary. Unfortunatelly, this is still not the case for some rare conditions
urgency	string		For SEPA transfers, standard means that transfer is made from your IBAN, it's processed only in work days. urgent means that transfer is made from our IBAN and is faster to reach the beneficiary
notifications	object
purpose	object		Transfer purpose and details
password	object		It's used only for internal Paysera transfers. Ignore if not explicitly needed
cancelable	boolean		Indicates if the transfer can be canceled. Defaults to true. When you set it to false always wait for the statuses ready, processing or done, as it's transfer statuses from which this parameter starts working.
auto_currency_convert	boolean		Indicates if currency convert could be used. Defaults to false.
auto_charge_related_card	boolean		Indicates if related card can be charged. Defaults to false.
auto_process_to_done	boolean		Indicates if the transfer should be processed automatically if possible. Defaults to true.
reserve_until	integer		Only for internal Paysera transfers. Designates the time when, if not confirmed, transfer funds will return to sender. UNIX timestamp
callback	object		Webhook configuration for receiving real-time transfer status updates.
validation_groups	array		When simulating the transfer, you can specify validation groups to skip all other validations. Defaults to null.

amount

Field	Type	Required	Description
amount	string	✓	Transfer amount
currency	string	✓	Currency code (ISO 4217), 3 characters

beneficiary

Field	Type	Required	Description
type	string	✓	Beneficiary type: paysera, payza, webmoney, tax, bank, privatbank, single_window. The matching *_account object must be provided for the given type — for example bank_account when the type is bank. No other *_account can be provided in this case
name	string		Beneficiary name (required when transfer is made to other bank)
person_type	string		natural or legal. This is optional and designates whether beneficiary is legal entity or a person
address	object		Beneficiary address. Accepts address_line and country_code only
additional_information	object		Beneficiary city and country. Required on transfers that are not SEPA
identifiers	object		It's optional and should be provided if you know identifier (like company code, personal code etc.) of beneficiary. KPP and TAX code could be required in Russia
client_identifier	object		Beneficiary identification type - legal document that verifies the identity of the account. Only one identification type is allowed
bank_account	object		Provide when type is bank
paysera_account, payza_account, webmoney_account, tax_account, privatbank_account, single_window_account	object		Provide the one matching type

beneficiary.address

Field	Type	Required	Description
address_line	string		Address line. This is the street address only — the city and the country belong in additional_information and are ignored if placed here
country_code	string		Country code. This is not used when creating a transfer — the beneficiary's country must be supplied in additional_information.country

beneficiary.additional_information

Field	Type	Required	Description
type	string	✓	natural or legal. Designates whether beneficiary is legal entity or a person
city	string		Beneficiary city, for example London
country	string		Use upper case ISO 3166-1 alpha-2 codes, for example US
state	string		Beneficiary state
postal_code	string		Beneficiary postcode
bank_branch_code	string		Bank branch code

beneficiary.bank_account

Field	Type	Required	Description
iban	string		IBAN number
account_number	string		Account number
country_code	string		We use ISO 3166-1 alpha-2 for country codes. This is not required if IBAN is specified. This is the country of the beneficiary bank, not of the beneficiary
bic	string		This should be SWIFT bank code, if available for that transfer
bank_code	string		This is local bank code and depends on Country. It's not required if IBAN is provided
sort_code	string		Sort code
bank_title	string		Bank title
bank_address	object		Bank address. Accepts address_line and country_code
correspondent_bank	object		Accepts account_number, bank_code and bank_title

payer

Field	Type	Required	Description
account_number	string	✓	This is your account number in Paysera system
reference	string		Only used for tax transfers
client_identifier	object		Identifier of the payer. Required for Lithuanian budget payments to VMI from a private client: send the payer's personal code as {"type": "personal_number", "value": "..."}. Allowed type values: personal_number, company_code, customer_code, passport_number, tax_payer_code
first_name	string
last_name	string
mobile_phone_number	string
birth_date	string		For example 1999-07-05
country_code	string		For example LT
region	string
city	string
street	string
house	string
apartment	string
birth_country_code	string		For example UA
document	object		Accepts type (passport, identity_card, residence_permit), series, number, issued_date and issuer

purpose

Field	Type	Required	Description
details	string		Transfer purpose details. Always required, unless it's SEPA transfer and reference is specified
reference	string		Payment reference. For Lithuanian budget payments to VMI or SODRA, send the payment code (įmokos kodas) in this field, for example 5660. On SEPA transfers send either details or reference, not both
vo_code	string		VO code is used only for transfers to Russia
ocr_code	string		OCR code is used for transfers to Norway, Sweden, Finland and Denmark
code	string		cash_in, cash_out, payment or app_transfer. Leave this one empty unless explicitly required to fill
purpose_code	string		Purpose code is to classify the nature of the transfer. See /public/transfer/rest/v1/purpose-codes for a list of codes. Optional unless required for specific destinations
details_options	object		Accepts preserve (boolean). For some countries, like Great Britain, details can be really short. In such cases we usually put a link to our page where beneficiary could find all the details of the transfer. In some cases it's important that beneficiary would receive original details, as it could include reference number etc. This field controls this behaviour

Example

Request

Endpoint: POST https://wallet.paysera.com/transfer/rest/v1/transfers
Content-Type: application/json
Authorization: MAC id="CLIENT_ID", ts="TIMESTAMP", nonce="RANDOM_STRING", mac="MAC_HASH", ext="body_hash=BODY_HASH"

{
  "amount": {
    "amount": "100.00",
    "currency": "EUR"
  },
  "beneficiary": {
    "type": "bank",
    "name": "John Doe",
    "bank_account": {
      "iban": "LT123456789012345678"
    }
  },
  "payer": {
    "account_number": "EVP7654321"
  },
  "purpose": {
    "details": "Payment for services"
  }
}

Response

{
  "id": "12345678",
  "hash": "abc123def456",
  "status": "done",
  "created_at": 1729425600,
  "performed_at": 1729425660,
  "amount": {
    "amount": "100.00",
    "currency": "EUR"
  },
  "beneficiary": {
    "type": "bank",
    "name": "John Doe",
    "bank_account": {
      "iban": "LT123456789012345678"
    }
  },
  "payer": {
    "account_number": "EVP7654321"
  },
  "cancelable": true,
  "allowed_to_cancel": true,
  "initiator": {
    "user_id": 321
  },
  "out_commission": {
    "amount": "0.50",
    "currency": "EUR"
  }
}

Example: Lithuanian budget payment to VMI

A budget payment to the Lithuanian tax authority (VMI) or to SODRA is a transfer to the institution's bank account. Send the payment code (įmokos kodas) in purpose.reference and do not send purpose.details. Send the payer's personal code in payer.client_identifier (use company_code instead of personal_number when the payer is a company). The payment code tells VMI which tax is paid. The identification code tells VMI who is paying.

Request

Endpoint: POST https://wallet.paysera.com/transfer/rest/v1/transfers
Content-Type: application/json
Authorization: MAC id="CLIENT_ID", ts="TIMESTAMP", nonce="RANDOM_STRING", mac="MAC_HASH", ext="body_hash=BODY_HASH"

{
  "amount": {
    "amount": "100.00",
    "currency": "EUR"
  },
  "beneficiary": {
    "type": "bank",
    "name": "Valstybinė mokesčių inspekcija",
    "bank_account": {
      "iban": "LT247300010112394300",
      "bic": "HABALT22"
    }
  },
  "payer": {
    "account_number": "EVP7654321",
    "client_identifier": {
      "type": "personal_number",
      "value": "12345678901"
    }
  },
  "purpose": {
    "reference": "5660"
  }
}

AUTHORIZATION: HTTP

REQUEST

Base URL

https://wallet.paysera.com

Body REQUIRED

{
  "amount": {
    "amount": "100.00",
    "currency": "EUR"
  },
  "beneficiary": {
    "type": "bank",
    "name": "John Doe",
    "bank_account": {
      "iban": "LT123456789012345678"
    }
  },
  "payer": {
    "account_number": "EVP7654321"
  },
  "purpose": {
    "details": "Payment for services"
  }
}

RESPONSE

Transfer created successfully

{
  "id": "12345678",
  "hash": "abc123def456",
  "status": "done",
  "created_at": 1729425600,
  "performed_at": 1729425660,
  "amount": {
    "amount": "100.00",
    "currency": "EUR"
  },
  "beneficiary": {
    "type": "bank",
    "name": "John Doe",
    "bank_account": {
      "iban": "LT123456789012345678"
    }
  },
  "payer": {
    "account_number": "EVP7654321"
  },
  "cancelable": true,
  "allowed_to_cancel": true,
  "initiator": {
    "user_id": 321
  },
  "out_commission": {
    "amount": "0.50",
    "currency": "EUR"
  }
}