---
title: "Get the intermediary banks for funding a payin"
method: GET
path: "/payin/{user_token}/{payin_token}/intermediaries"
tags: ["Payin"]
---

# Get the intermediary banks for funding a payin

`GET /payin/{user_token}/{payin_token}/intermediaries`

## Request

- Base URL: `https://api.masspay.io/v1.0.0`
- URL: `https://api.masspay.io/v1.0.0/payin/{user_token}/{payin_token}/intermediaries`
- Auth: one of:
  - API key in header `Authorization`
  - API key in header `x-api-key`
- TypeScript: <https://skmtc.dev/masspay/apis/masspay-api/docs/payin/:user_token/:payin_token/intermediaries/get.ts> (a function with typed inputs; its response is checked against the schema)

This **GET** endpoint lists the intermediary (correspondent) banks through which the payer's bank can send the funds for a pay-in funded through a bank account (a <i>bank acceptance</i> product, such as a temporary ACH/wire deposit account). <br> Provide the SWIFT BIC of the originating bank, the bank the payer sends the funds from, in `bic`, and optionally the currency the funds will be sent in as `currency_code`; when it is omitted, the pay-in's `source_currency_code` is used. <br> The response lists the standard settlement instructions published for that bank in that currency. Each entry names the correspondent bank that holds the originating bank's account in that currency (`bank_name`, `bic`, `account_number`, `national_id`, and `routing_number` when the correspondent is a US Fedwire/FedACH participant), any further intermediaries the correspondent routes through (`intermediary_bic_1`/`intermediary_account_1`, `intermediary_bic_2`/`intermediary_account_2`) and the originating bank's branch the instruction belongs to (`originating_branch`). Share these with the payer so their bank routes the transfer correctly. An instruction the provider publishes more than once is listed once. An empty `intermediaries` array means the bank is known but publishes no settlement instructions for that currency. <br> A pay-in that is not funded through a bank account (for instance a card authorization or a reverse wire drawdown), a malformed BIC, an invalid currency code or a BIC the settlement-instruction provider does not know returns a `400`; for an unknown BIC the provider's remark is included in `error.details`. A `503` means the settlement-instruction provider could not be reached; retry later.

## Query parameters

- `bic` string, required
- `currency_code` string

## Headers

- `Idempotency-Key` string

## Response `200`

OK

- PayinIntermediariesResp: The intermediary (correspondent) banks through which the originating bank can send the funds for a pay-in funded through a bank account, as listed in the standard settlement instructions published for its BIC in the given currency.
  - `payin_token` string: Token representing the pay-in the instructions were requested for.
  - `originating_bic` string: SWIFT BIC of the originating bank, as given in the request (upper-cased).
  - `currency_code` string: ISO 4217 code of the currency the instructions apply to: the `currency_code` given in the request, or else the pay-in's `source_currency_code`.
  - `intermediaries` PayinIntermediary[]: One entry per distinct published settlement instruction. Empty when none is published for that BIC in that currency.
    - `bank_name` string, nullable: Name of the correspondent (intermediary) bank.
    - `bic` string, nullable: SWIFT BIC of the correspondent bank.
    - `account_number` string, nullable: The originating bank's account at the correspondent bank, as published. The provider may annotate it, for example `10920636 via NATAAU3303T`.
    - `national_id` string, nullable: National clearing identifier of the correspondent bank, when published (for instance a US ABA routing number).
    - `routing_number` string, nullable: The correspondent's US ABA routing number. Set only when `national_id` is a Fedwire or FedACH participant MassPay knows.
    - `asset_category` string, nullable: Asset category the instruction is published for, as classified by the settlement-instruction provider.
    - `intermediary_bic_1` string, nullable: SWIFT BIC of a further intermediary the correspondent routes through, when published.
    - `intermediary_account_1` string, nullable: Account at the first further intermediary, when published.
    - `intermediary_bic_2` string, nullable: SWIFT BIC of a second further intermediary, when published.
    - `intermediary_account_2` string, nullable: Account at the second further intermediary, when published.
    - `originating_branch` PayinIntermediaryBranch: The originating bank's branch a settlement instruction belongs to. A BIC8 can resolve to several branches, each with its own instructions.
      - `bank_name` string, nullable: Name of the originating bank at this branch.
      - `street` string, nullable: Street address of the branch.
      - `city` string, nullable: City of the branch.
      - `post_zip` string, nullable: Postal code of the branch.
      - `region` string, nullable: Region or state of the branch.
      - `country` string, nullable: Country of the branch, as the provider names it.

## Other responses

- `400`: Bad request.
- `401`: Unauthorized.
- `403`: Forbidden.
- `404`: Not found.
- `405`: Method Not Allowed.
- `500`: Internal server error.
- `504`: Gateway Time-out.

## Changes

- **2026-11-03** `f9fa41b7c45c`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/masspay/apis/masspay-api/changes/payin/:user_token/:payin_token/intermediaries/get.md)

---

[API](https://skmtc.dev/masspay/apis/masspay-api.md) - [All operations](https://skmtc.dev/masspay/apis/masspay-api/llms.txt) - [OpenAPI document](https://skmtc.dev/masspay/apis/masspay-api/revisions/f9fa41b7c45c?raw)