---
title: "Make a Payment"
method: POST
path: "/v1/accounts/{accountId}/virtual/{iban}/payment"
tags: ["Virtual Accounts"]
---

# Make a Payment

`POST /v1/accounts/{accountId}/virtual/{iban}/payment`

## Request

- Base URL: `https://api.bcb.group`
- URL: `https://api.bcb.group/v1/accounts/{accountId}/virtual/{iban}/payment`
- Auth: HTTP bearer
- TypeScript: <https://skmtc.dev/bcb/apis/payments-api/docs/v1/accounts/:accountId/virtual/:iban/payment/post.ts> (a function with typed inputs; its response is checked against the schema)

Sends a payment from the virtual account with the given IBAN

## Path parameters

- `accountId` number, required
- `iban` string, required

## Request body

- VirtualAccountPaymentBody
  - `currency` string, required: The currency code for the payment
  - `amount` string, required: The amount of the payment
  - `reference` string, required: The reference for the payment
  - `nonce` string, required: A unique nonce to guard against duplicate payments
  - `reason` string, required: The reason for the payment

## Response `201`

The payment was successfully created

- VirtualAccountPaymentResponse
  - `transactionId` string, required
  - `end2EndId` string, required

## Other responses

- `400`: The request was in an incorrect format
- `403`: The segregated account is not enabled for third party payments
- `404`: The accountId or virtual account is unknown

## Changes

- **2026-11-03** `5b9085573809`: 2 breaking, 2 info
  - the `message` response's property type changed from `string` to `array` for status `404`
  - removed the required property `statusCode` from the response with the `404` status
  - added the non-success response with the status `400`
  - added the non-success response with the status `403`

[Operation history](https://skmtc.dev/bcb/apis/payments-api/changes/v1/accounts/:accountId/virtual/:iban/payment/post.md)

---

[API](https://skmtc.dev/bcb/apis/payments-api.md) - [All operations](https://skmtc.dev/bcb/apis/payments-api/llms.txt) - [OpenAPI document](https://skmtc.dev/bcb/apis/payments-api/revisions/5b9085573809?raw)