POST /payment_initiation/payment/create

After creating a payment recipient, you can use the /payment_initiation/payment/create endpoint to create a payment to that recipient. Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen currency. If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.

Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.

In Limited Production, payments must be below 5 GBP or other chosen currency, and standing orders, variable recurring payments, and Virtual Accounts are not supported.

Servers

https://production.plaid.com
https://sandbox.plaid.com

Request headers

Name	Type	Required	Description
`Content-Type`	String	Yes	The media type of the request body. Default value: "application/json"

Request body fields

Name	Type	Required	Description
`client_id`	String	No	Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
`options`	Object	No	Additional payment options
`options.iban`	String	No	The International Bank Account Number (IBAN) for the payer's account. Where possible, the end user will be able to send payments only from the specified bank account if provided.
`options.request_refund_details`	Boolean	No	When `true`, Plaid will attempt to request refund details from the payee's financial institution. Support varies between financial institutions and will not always be available. If refund details could be retrieved, they will be available in the `/payment_initiation/payment/get` response.
`options.scheme`	String	No	Payment scheme. If not specified - the default in the region will be used (e.g. `SEPA_CREDIT_TRANSFER` for EU). Using unsupported values will result in a failed payment. `LOCAL_DEFAULT`: The default payment scheme for the selected market and currency will be used. `LOCAL_INSTANT`: The instant payment scheme for the selected market and currency will be used (if applicable). Fees may be applied by the institution. If the market does not support an Instant Scheme (e.g. Denmark), the default in the region will be used. `SEPA_CREDIT_TRANSFER`: The standard payment to a beneficiary within the SEPA area. `SEPA_CREDIT_TRANSFER_INSTANT`: Instant payment within the SEPA area. May involve additional fees and may not be available at some banks. Possible values: `null` `"SEPA_CREDIT_TRANSFER"` `"SEPA_CREDIT_TRANSFER_INSTANT"` `"LOCAL_DEFAULT"` `"LOCAL_INSTANT"`
`amount`	Object	Yes	The amount and currency of a payment
`amount.value`	Number	Yes	The amount of the payment. Must contain at most two digits of precision e.g. `1.23`. Minimum accepted value is `1`.
`amount.currency`	String	Yes	The ISO-4217 currency code of the payment. For standing orders and payment consents, `"GBP"` must be used. For Poland, Denmark, Sweden and Norway, only the local currency is currently supported. Possible values: `"PLN"` `"NOK"` `"EUR"` `"SEK"` `"GBP"` `"DKK"`
`recipient_id`	String	Yes	The ID of the recipient the payment is for.
`reference`	String	Yes	A reference for the payment. This must be an alphanumeric string with at most 18 characters and must not contain any special characters (since not all institutions support them). In order to track settlement via Payment Confirmation, each payment must have a unique reference. If the reference provided through the API is not unique, Plaid will adjust it. Some institutions may limit the reference to less than 18 characters. If necessary, Plaid will adjust the reference by truncating it to fit the institution's requirements. Both the originally provided and automatically adjusted references (if any) can be found in the `reference` and `adjusted_reference` fields, respectively.
`secret`	String	No	Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.

How to start integrating

Add HTTP Task to your workflow definition.
Search for the API you want to integrate with and click on the name.
- This loads the API reference documentation and prepares the Http request settings.
Click Test request to test run your request to the API and see the API's response.