---
title: "Create BEP Charge"
method: POST
path: "/charges/bep"
tags: ["Create Charges"]
---

# Create BEP Charge

`POST /charges/bep`

## Request

- Base URL: `https://eu-west-1.api.silverflow.com/v1`
- URL: `https://eu-west-1.api.silverflow.com/v1/charges/bep`
- Auth: one of:
  - HTTP basic
  - HTTP bearer
- TypeScript: <https://skmtc.dev/silverflow/apis/silverflow-api/docs/charges/bep/post.ts> (a function with typed inputs; its response is checked against the schema)

Create a new charge for an existing and complete BEP authentication.
This will also initiate the [finalization](#operation/finalizeBep) of the BEP authentication flow.

**From November 22, 2026, if a valid card is not found using `card.number` in the request, the response will be a 409 with type `/silverflow/problems/card/invalid`.**

Requires `charges:Create` permission.

## Headers

- `Idempotency-Key` string: This key is used to deduplicate requests that are retried. For more information see the section on [Idempotency](https://docs.silverflow.com/guides/idempotency).

## Request body

- ChargeCreateBEPRequest
  - `bepKey` string, required: Uniquely identifies a bep payment
  - `type` BepChargeType, required: Describes the kind of charge the merchant wants to submit.
    - `intent` 'purchase', required: The intention of the cardholder
    - `cardEntry` 'e-commerce', required: The method used to capture the card details.
    - `order` 'checkout', required: The method used to place the order.
    - `sequence` 'initial': Setting this to `initial` flags the charge as the initial charge in a sequence of payments. **From November 22, 2026 this field will be removed since it currently does not have any effect on the charge creation.**
  - `transactionReference` string: Unique ID assigned by the merchant or payment service provider for the transaction. Used to identify the transaction.

## Response `201`

The created charge

- ChargeCreateBEPResponse: A BEP charge
  - `key` string, required: Uniquely identifies a charge.
  - `merchantAcceptorRef` ComponentsSchemasAcceptorRef, required: Reference key and status of the acceptor
    - `key` string, required: Uniquely identifies a merchant acceptor.
    - `version` integer, required: The version of this object
  - `card` OutputCard, required: Card data
    - `maskedNumber` string, required: The card number used to create this charge, masked according to PCI standards. For card numbers with 16 or more digits, the first 8 and the last 4 digits are visible. For card numbers with 13-15 digits, the first 6 and the last 4 digits are visible. For cards numbers with less than 13 digits, the first 6 and last 2 digits are visible.
    - `processorTokenKey` string: The key to a card tokenized in the [Processor Tokenization](#tag/Processor-Tokenization).
  - `amount` CommonAmount, required: The amount encoded as an object with a `value` in minor units and a `currency` code.
    - `value` integer, required: The amount in minor units. For example `$12.34` should be encoded as `1234`. Note that not all currencies have 2 minor units. Some have three or zero.
    - `currency` 'AED' | 'AFN' | 'ALL' | 'AMD' | 'AOA' | 'ARS' | 'AUD' | 'AWG' | 'AZN' | 'BAM' | 'BBD' | 'BDT' | 'BHD' | 'BIF' | 'BMD' | 'BND' | 'BOB' | 'BRL' | 'BSD' | 'BTN' | 'BWP' | 'BYN' | 'BZD' | 'CAD' | 'CDF' | 'CHF' | 'CLP' | 'CNY' | 'COP' | 'CRC' | 'CUC' | 'CUP' | 'CVE' | 'CZK' | 'DJF' | 'DKK' | 'DOP' | 'DZD' | 'EGP' | 'ERN' | 'ETB' | 'EUR' | 'FJD' | 'FKP' | 'GBP' | 'GEL' | 'GHS' | 'GIP' | 'GMD' | 'GNF' | 'GTQ' | 'GYD' | 'HKD' | 'HNL' | 'HTG' | 'HUF' | 'IDR' | 'ILS' | 'INR' | 'IQD' | 'IRR' | 'ISK' | 'JMD' | 'JOD' | 'JPY' | 'KES' | 'KGS' | 'KHR' | 'KMF' | 'KPW' | 'KRW' | 'KWD' | 'KYD' | 'KZT' | 'LAK' | 'LBP' | 'LKR' | 'LRD' | 'LSL' | 'LYD' | 'MAD' | 'MDL' | 'MGA' | 'MKD' | 'MMK' | 'MNT' | 'MOP' | 'MRU' | 'MUR' | 'MVR' | 'MWK' | 'MXN' | 'MYR' | 'MZN' | 'NAD' | 'NGN' | 'NIO' | 'NOK' | 'NPR' | 'NZD' | 'OMR' | 'PAB' | 'PEN' | 'PGK' | 'PHP' | 'PKR' | 'PLN' | 'PYG' | 'QAR' | 'RON' | 'RSD' | 'RUB' | 'RWF' | 'SAR' | 'SBD' | 'SCR' | 'SDG' | 'SEK' | 'SGD' | 'SHP' | 'SOS' | 'SRD' | 'SSP' | 'STN' | 'SYP' | 'SZL' | 'THB' | 'TJS' | 'TMT' | 'TND' | 'TOP' | 'TRY' | 'TTD' | 'TWD' | 'TZS' | 'UAH' | 'UGX' | 'USD' | 'UYU' | 'UZS' | 'VES' | 'VND' | 'VUV' | 'WST' | 'XAF' | 'XCD' | 'XCG' | 'XOF' | 'XPF' | 'YER' | 'ZAR' | 'ZMW' | 'ZWL', required: An alphabetic ISO-4217 currency code.
  - `type` BepChargeType, required: Describes the kind of charge the merchant wants to submit.
    - `intent` 'purchase', required: The intention of the cardholder
    - `cardEntry` 'e-commerce', required: The method used to capture the card details.
    - `order` 'checkout', required: The method used to place the order.
    - `sequence` 'initial': Setting this to `initial` flags the charge as the initial charge in a sequence of payments. **From November 22, 2026 this field will be removed since it currently does not have any effect on the charge creation.**
  - `status` StatusBep, required: The status property provides a high-level representation of the lifecycle of a charge. For a complete history, the actions should be used.
    - `authentication` 'authenticated', required: Strong Customer Authentication (SCA) status of the charge
    - `authorization` 'approved' | 'declined', required: Authorization status of the charge
    - `clearing` 'none' | 'manual' | 'pending' | 'completed' | 'cancelled' | 'abandoned', required: Clearing status of the charge
  - `authentication` ChargeAuthenticationBEP, required: Object container for authentication. If present, contains Strong Customer Authentication (SCA) information, but also indicates whether CVC and AVS was used.
    - `sca` ScaBEP, required: Object container for strong customer authentication.
      - `method` 'bep', required: Indicates the method that was used to comply to SCA.
      - `compliance` 'mandated', required: Indicates SCA compliance of the charges
      - `complianceReason` 'mandated', required: Indicates the reason for the SCA compliance.
      - `result` BEPAuthenticationResult, required: Object containing the information of a BEP transaction.
        - `trm` '50' | '51', required: The method of initiating the BEP authentication. Stands for Transaction Routing Means.
    - `cvc` 'none', required: The result of cvc verification
    - `avs` 'none', required: The result of the AVS verification
  - `localTransactionDateTime` string, iso-8601-date-time, required: Date and time of the transaction in the local timezone.
  - `transactionReference` string: Unique ID assigned by the merchant or payment service provider for the transaction. Used to identify the transaction.
  - `fraudLiability` 'acquirer' | 'issuer', required: Which party is liable in case of fraud.
  - `clearingMode` 'auto'
  - `authorizationIsoFields` AuthorizationIsoFieldsBancontact, required: Object containing the raw values from the ISO8583 response message received from the network.
    - `responseCode` string, required: Contents of field 39
    - `responseCodeDescription` string, required: The description of the `responseCode`
    - `authorizationCode` string: Contents of field 38
    - `networkCode` 'none', required
    - `systemTraceAuditNumber` string, required: Contents of field 11
    - `retrievalReferenceNumber` string, required: Contents of field 37
    - `eci` 'none', required
    - `networkSpecificFields` BancontactSpecificFields, required: Bancontact specific ISO8583 raw values
      - `iban` string: The International Bank Account Number (IBAN) returned from the bancontact authorization response.
  - `billingAddress` BillingAddress: The billing address of the cardholder
    - `countryCode` SchemasCountryCode
      - `alpha3` string, required
      - `alpha2` string, required
      - `numeric` string, required
    - `stateOrProvince` string: The state (US) or province (non-US) of the address.
    - `city` string: The city of the address.
    - `line1` string: Address line 1
    - `line2` string: Address line 2
    - `postalCode` string, required: The postal code of the address, allowing a single separating space.
  - `created` string, iso-8601-date-time, required: The date and time this object was created
  - `lastModified` string, iso-8601-date-time: The date and time this object was last modified
  - `version` integer, required: The version of this object

## Other responses

- `400`: The request body was malformed
- `401`: Authentication information is missing or invalid
- `403`: The authenticated client is forbidden to make the request for the resource identified.
- `409`: Conflict
- `429`: Too Many Requests
- `500`: Internal Server Error

---

[API](https://skmtc.dev/silverflow/apis/silverflow-api.md) - [All operations](https://skmtc.dev/silverflow/apis/silverflow-api/llms.txt) - [OpenAPI document](https://skmtc.dev/silverflow/apis/silverflow-api/revisions/43ecbe4fd6ea?raw)