{"id":223,"date":"2023-08-22T11:18:35","date_gmt":"2023-08-22T11:18:35","guid":{"rendered":"https:\/\/development-portal.10npay.com\/docs\/payment-initiation\/"},"modified":"2026-05-28T10:08:53","modified_gmt":"2026-05-28T10:08:53","password":"","slug":"payment-initiation","status":"publish","type":"docs","link":"https:\/\/development-portal.10npay.com\/bg\/docs\/payment-initiation\/","title":{"rendered":"Initiate Payment"},"content":{"rendered":"<p><span style=\"font-size: 20px;\">The data about the payment are in the body request:<\/span><\/p>\n<p><span style=\"font-size: 20px;\"><strong>instructedAmount<\/strong> \u2013 amount and currency<\/span><br \/>\n<span style=\"font-size: 20px;\"><strong>debtorAccount<\/strong> \u2013 payer&#8217;s IBAN<\/span><br \/>\n<span style=\"font-size: 20px;\"><strong>creditorAccount<\/strong> \u2013 recipient&#8217;s IBAN<\/span><br \/>\n<span style=\"font-size: 20px;\"><strong>creditorName<\/strong> \u2013 recipient&#8217;s name<\/span><\/p>\n<p><span style=\"font-size: 20px;\"><strong>The other fields are optional.<\/strong><\/span><br \/>\n<span style=\"font-size: 20px;\">A unique ID is generated for the payment, and upon successful creation of a payment request, links for further operations are returned in the response \u2013 payment information (self), payment status (status), and authorization operations (authoriseTransaction).<\/span><\/p>\n<h5><span style=\"font-size: 20px;\"><strong>End-point URL<\/strong><\/span><\/h5>\n<p><span style=\"font-size: 20px;\"><div class=\"dm-code-snippet dark default  dm-normal-version\" style=\"background-color:#abb8c3;\" snippet-height=\"\">\n\t\t\t<div class=\"control-language\">\n                <div class=\"dm-buttons\">\n                    <div class=\"dm-buttons-left\">\n                        <div class=\"dm-button-snippet red-button\"><\/div>\n                        <div class=\"dm-button-snippet orange-button\"><\/div>\n                        <div class=\"dm-button-snippet green-button\"><\/div>\n                    <\/div>\n                    <div class=\"dm-buttons-right\">\n                        <a id=\"dm-copy-raw-code\">\n                        <span class=\"dm-copy-text\">Copy Code<\/span>\n                        <span class=\"dm-copy-confirmed\" style=\"display:none\">Copied<\/span>\n                        <span class=\"dm-error-message\" style=\"display:none\">Use a different Browser<\/span><\/a>\n                    <\/div>\n                <\/div>\n                <pre class=\"no-line-numbers\"><code id=\"dm-code-raw\" class=\"wrap language-php\"><\/span><\/p>\n<pre class=\"dm-pre-admin-side\"><span style=\"font-size: 20px;\">http:\/\/[ip]:[port]\/psd2\/v1\/payments\/domestic-credit-transfers-bgn<\/span><\/pre>\n<p><span style=\"font-size: 20px;\"><\/code><\/pre>\n\t\t\t<\/div>\n        <\/div><\/span><\/p>\n<p><span style=\"font-size: 20px;\"><strong>Method:<\/strong> POST\u00a0<\/span><\/p>\n<h5><span style=\"font-size: 20px;\">Headers<\/span><\/h5>\n<ul>\n<li><span style=\"font-size: 20px;\"><strong>X-Request-ID:<\/strong> [request-id] \u2013 Required: A unique request ID (GUID).<\/span><\/li>\n<li><span style=\"font-size: 20px;\"><strong>Content-Type:<\/strong> application\/json \u2013 Required: Specifies the request format.<\/span><\/li>\n<li><span style=\"font-size: 20px;\"><strong>PSU-ID:<\/strong> [user-id] \u2013 Required: User identifier obtained upon login.<\/span><\/li>\n<\/ul>\n<h5><span style=\"font-size: 20px;\">Request Body<\/span><\/h5>\n<p><span style=\"font-size: 20px;\"><div class=\"dm-code-snippet dark default  dm-normal-version\" style=\"background-color:#abb8c3;\" snippet-height=\"\">\n\t\t\t<div class=\"control-language\">\n                <div class=\"dm-buttons\">\n                    <div class=\"dm-buttons-left\">\n                        <div class=\"dm-button-snippet red-button\"><\/div>\n                        <div class=\"dm-button-snippet orange-button\"><\/div>\n                        <div class=\"dm-button-snippet green-button\"><\/div>\n                    <\/div>\n                    <div class=\"dm-buttons-right\">\n                        <a id=\"dm-copy-raw-code\">\n                        <span class=\"dm-copy-text\">Copy Code<\/span>\n                        <span class=\"dm-copy-confirmed\" style=\"display:none\">Copied<\/span>\n                        <span class=\"dm-error-message\" style=\"display:none\">Use a different Browser<\/span><\/a>\n                    <\/div>\n                <\/div>\n                <pre class=\"no-line-numbers\"><code id=\"dm-code-raw\" class=\"wrap language-php\"><\/span><\/p>\n<pre class=\"dm-pre-admin-side\"><span style=\"font-size: 20px;\">{\r\n\t\"instructedAmount\": {\r\n\t\t\"currency\": \"USD\",\r\n\t\t\"amount\": \"123.50\"\r\n\t},\r\n\t\"debtorAccount\": {\r\n\t\t\"iban\": \"BG53TEPJ40131001000119\"\r\n\t},\r\n\t\"creditorName\": \"IhuAhu.com\",\r\n\t\"creditorAccount\": {\r\n\t\t\"iban\": \"TR73TURKBANK123456789\"\r\n\t},\r\n\t\"paymentType\": {\r\n\t\t\"serviceLevel\": \"SS1\"\r\n\t},\r\n\t\"remittanceInformationUnstructured\": \"ihuahu link\"\r\n}<\/span><\/pre>\n<p><span style=\"font-size: 20px;\"><\/code><\/pre>\n\t\t\t<\/div>\n        <\/div><\/span><\/p>\n<h5><span style=\"font-size: 20px;\"><strong>Response<\/strong><\/span><\/h5>\n<p><span style=\"font-size: 20px;\"><div class=\"dm-code-snippet dark default  dm-normal-version\" style=\"background-color:#abb8c3;\" snippet-height=\"\">\n\t\t\t<div class=\"control-language\">\n                <div class=\"dm-buttons\">\n                    <div class=\"dm-buttons-left\">\n                        <div class=\"dm-button-snippet red-button\"><\/div>\n                        <div class=\"dm-button-snippet orange-button\"><\/div>\n                        <div class=\"dm-button-snippet green-button\"><\/div>\n                    <\/div>\n                    <div class=\"dm-buttons-right\">\n                        <a id=\"dm-copy-raw-code\">\n                        <span class=\"dm-copy-text\">Copy Code<\/span>\n                        <span class=\"dm-copy-confirmed\" style=\"display:none\">Copied<\/span>\n                        <span class=\"dm-error-message\" style=\"display:none\">Use a different Browser<\/span><\/a>\n                    <\/div>\n                <\/div>\n                <pre class=\"no-line-numbers\"><code id=\"dm-code-raw\" class=\"no-wrap language-php\"><\/span><\/p>\n<pre class=\"dm-pre-admin-side\"><span style=\"font-size: 20px;\">{\r\n\t\"transactionStatus\": \"RCVD\",\r\n\t\"paymentId\": \"526091c1-e4ac-410a-a642-65af191ee8a9\",\r\n\t\"_links\": {\r\n\t\t\"self\": {\r\n\t\t\t\"href\": \"\/v1\/payments\/bgn-credit-transfer\/526091c1-e4ac-410a-a642-65af191ee8a9\"\r\n\t\t},\r\n\t\t\"status\": {\r\n\t\t\t\"href\": \"\/v1\/payments\/bgn-credit-transfer\/526091c1-e4ac-410a-a642-65af191ee8a9\/status\"\r\n\t\t},\r\n\t\t\"authoriseTransaction\": {\r\n\t\t\t\"href\": \"\/v1\/payments\/bgn-credit-transfer\/526091c1-e4ac-410a-a642-65af191ee8a9\/authorisations\"\r\n\t\t}\r\n\t}\r\n}<\/span><\/pre>\n<p><span style=\"font-size: 20px;\"><\/code><\/pre>\n\t\t\t<\/div>\n        <\/div><\/span><\/p>\n<h5><span style=\"font-size: 20px;\">Remarks<\/span><\/h5>\n<p><span style=\"font-size: 20px;\">The transactionStatus field indicates the current status of the payment request.<\/span><br \/>\n<span style=\"font-size: 20px;\">The paymentId uniquely identifies this payment request.<\/span><br \/>\n<span style=\"font-size: 20px;\">Links (_links) are provided for accessing the payment details (self), checking payment status (status), and authorizing the transaction (authoriseTransaction).<\/span><\/p>\n<h5><span style=\"font-size: 20px;\">Snippet<\/span><\/h5>\n<p><span style=\"font-size: 20px;\">    <div class=\"json-snippet\">\n        <form id=\"api_form\" class=\"json-snippet__layout\" onsubmit=\"return false;\">\n            <section class=\"json-card json-card--request\">\n                <header class=\"json-card__header\">\n                    <span class=\"json-card__step\">01<\/span>\n                    <div>\n                        <h2>Request setup<\/h2>\n                        <p>Configure the endpoint, headers, and payload before hitting the gateway.<\/p>\n                    <\/div>\n                <\/header>\n                <div class=\"json-form-grid\">\n                    <div class='json-field'>\n                <label for='api_url' class='json-label'>API URL<\/label>\n                <input type='text' id='api_url' class='json-input api_url' value='http:\/\/dev-psd2.10npay.com:8080\/psd2\/v1\/payments\/domestic-credit-transfers-bgn' autocomplete='off'>\n            <\/div><div class='json-field'>\n        <label for='http_method' class='json-label'>HTTP Method<\/label>\n        <input type='text' id='http_method' class='json-input' value='POST' disabled>\n    <\/div><div class='json-field'>\n                <label for='content_type' class='json-label'>Content-Type<\/label>\n                <input type='text' id='content_type' class='json-input content_type' value='application\/json' autocomplete='off'>\n            <\/div><div class='json-field'>\n                <label for='x_request_id' class='json-label'>X-Request-ID<\/label>\n                <input type='text' id='x_request_id' class='json-input x_request_id' value='1' autocomplete='off'>\n            <\/div><div class='json-field'>\n                <label for='psu_id' class='json-label'>PSU-ID<\/label>\n                <input type='text' id='psu_id' class='json-input psu_id' value='Test1' autocomplete='off'>\n            <\/div><div class='json-field'>\n                <label for='token' class='json-label'>Token<\/label>\n                <input type='text' id='token' class='json-input token' value='{Token}' autocomplete='off'>\n            <\/div>\n                <\/div>\n                <div class=\"json-card__section\">\n                    <h3>Payload<\/h3>\n                        <div class='json-field json-field--textarea'>\n        <label for='json_params' class='json-label'>API input parameters<\/label>\n        <textarea id='json_params' class='json-textarea json_params' spellcheck='false'>{\n    &quot;instructedAmount&quot;: {\n        &quot;currency&quot;: &quot;BGN&quot;,\n        &quot;amount&quot;: &quot;123.50&quot;\n    },\n    &quot;debtorAccount&quot;: {\n        &quot;iban&quot;: &quot;[IBAN]&quot;\n    },\n    &quot;creditorName&quot;: &quot;Test Name&quot;,\n    &quot;creditorAccount&quot;: {\n        &quot;iban&quot;: &quot;[IBAN]&quot;\n    },\n    &quot;paymentType&quot;: {\n        &quot;serviceLevel&quot;: &quot;SS1&quot;\n    },\n    &quot;remittanceInformationUnstructured&quot;: &quot;Note test&quot;\n}<\/textarea>\n    <\/div>\n                <\/div>\n                <button type=\"button\" class=\"json-btn\" id=\"fetch_data\">\n                    <span class=\"json-btn__icon\">&#9658;<\/span>\n                    Run request\n                <\/button>\n            <\/section>\n\n            <section class=\"json-card json-card--response\">\n                <header class=\"json-card__header\">\n                    <span class=\"json-card__step\">02<\/span>\n                    <div>\n                        <h2>Response<\/h2>\n                        <p>Preview the API response with pretty-printed JSON.<\/p>\n                    <\/div>\n                <\/header>\n                <div class=\"json-alert json-alert--neutral\" id=\"response-status\">\n                    Waiting for request\u2026\n                <\/div>\n                <div class=\"json-tabs\" role=\"tablist\">\n                    <button type=\"button\" class=\"json-tab is-active\" data-tab=\"body\">Body<\/button>\n                <\/div>\n                <div class=\"json-code\" id=\"result\">\n                    <pre><code id=\"result-body\">{\n  \"status\": \"pending\"\n}<\/code><\/pre>\n                <\/div>\n            <\/section>\n        <\/form>\n        \n    <\/div><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The data about the payment are in the body request: instructedAmount \u2013 amount and currency debtorAccount \u2013 payer&#8217;s IBAN creditorAccount \u2013 recipient&#8217;s IBAN creditorName \u2013 recipient&#8217;s name The other fields are optional. A unique ID is generated for the payment, and upon successful creation of a payment request, links for further operations are returned in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"doc_category":[41],"doc_tag":[],"knowledge_base":[34],"class_list":["post-223","docs","type-docs","status-publish","hentry","doc_category-lll-pisp-payments","knowledge_base-psd2"],"year_month":"2026-07","word_count":304,"total_views":0,"reactions":{"happy":0,"normal":0,"sad":0},"author_info":{"name":"10npaydev","author_nicename":"10npaydev","author_url":"https:\/\/development-portal.10npay.com\/bg\/author\/10npaydev\/"},"doc_category_info":[{"term_name":"lV. 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