OAuth scope: payment.write

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Automated creation of a instant external transfer with no user interaction involved once the beneficiary is trusted.

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This endpoint allows you to execute transfers for a given beneficiary. The beneficiary must be trusted for the transfer to be created. The beneficiary can only be trusted through the Qonto web-app (for more details, please refer to this article).

The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. The idempotency key must be a unique string. We recommend using a UUID.

Request parameter details

X-Qonto-Idempotency-Key header

This is a unique string (we advise to use a uuid) that identifies a transfer. This is used by Qonto to prevent "double spending" by accidentaly replaying the same API call.

Amount and Currency

• The amount corresponds to the amount of the transaction in the currency of the bank account. Amounts must be https://www.w3.org/TR/payment-request/#dfn-valid-decimal-monetary-value
• The currency should be EUR.

Reference

• Transfer reference that can be used to enter transfer details to further describe the transfer
• Maximum reference length is 99 characters

Debit iban

• debit_iban: IBAN of account to debit

Attachments

You can link up to 5 attachments per transfer by passing the attachment_ids parameter. You can upload your attachments using our POST /v2/attachments endpoint. Note: For SEPA transfers above 30,000 EUR at least one attachment is required

{
  "external_transfer": {
    "scheduled_date": "2021-07-12"
  }
}

{
  "external_transfer": {
    "debit_amount": "12.55",
    "debit_amount_cents": "1255",
    "debit_currency": "EUR",
    "payment_purpose": "goods",
    "declined_reason": "beneficiary_bic_invalid",
    "status": "pending",
    "scheduled_date": "2021-07-12",
    "created_at": "2021-01-27T22:05:07.000Z",
    "completed_at": "2021-01-27T22:05:07.000Z",
    "processed_at": "2021-01-27T22:05:07.000Z"
  }
}