POST
/
payments
/
initiate
Initiate Payment
curl --request POST \
  --url https://sandbox-umbrella-api.azurewebsites.net/api/services/payments/initiate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '{
  "amount": "100.50",
  "currency": "EUR",
  "referenceId": "uniqueRefId123",
  "transactionDescription": "Payment for Order #12345",
  "returnUrl": "https://example.com/callback",
  "IBAN": "DE89370400440532013000",
  "storedBIC": "BOFIIE2D",
  "language": "DE"
}'
{
  "requestId": "req123456789",
  "redirectUrl": "https://example.com/app/req_123456789"
}
For a usage description of the Payment Initiation Service, please refer to the Payment Services page.

​
Endpoint

POST /payments/initiate

Authorizations

​
Authorization
string
header
required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json
​
referenceId
string
required

Unique identifier for the transaction generated by your system.

Example:

"uniqueRefId123"

​
transactionDescription
string
required

Description of the transaction.

Example:

"Payment for Order #12345"

​
returnUrl
string<uri>
required

URL to redirect after payment completion – back to the calling app or website.

Example:

"https://example.com/callback"

​
IBAN
string
required

Recipient's IBAN for direct payment.

Example:

"DE89370400440532013000"

​
currency
string
required

Currency code.

Example:

"EUR"

​
amount
string
required

Payment amount formatted as a decimal string.

Example:

"12.50"

​
storedBIC
string

Pre-stored BIC code.

Example:

"BOFIIE2D"

​
language
string

Language code.

Example:

"DE"

​
country
string

Country code.

Example:

"DE"

Response

Payment successfully initiated.

​
requestId
string
required

Unique identifier for the request. Will be used to query the transfer status in the Retrieve Transaction Status API call.

Example:

"req123456789"

​
redirectUrl
string<uri>
required

URL to redirect the user to the hosted payment page.

Example:

"https://example.com/app/req_123456789"