# Create SEPA Credit Transfer

Creates a SEPA Credit Transfer from the account specified in the request URL to the recipient specified in the request body.

Endpoint: POST /v1/persons/{person_id}/accounts/{account_id}/transactions/sepa_credit_transfer
Version: 1.0

## Path parameters:

  - `person_id` (string, required)

  - `account_id` (string, required)

## Request fields (application/json):

  - `amount` (object, required)
    The amount to transfer.
    Example: {"value":1000,"currency":"EUR"}

  - `amount.value` (integer)
    The amount value.
    Example: 1000

  - `amount.unit` (string)
    The unit of the given value in cents.
    Example: "cents"

  - `amount.currency` (string)
    The currency of the given value. Only EUR is currently supported.
    Example: "EUR"

  - `recipient_iban` (string, required)
    The recipient's IBAN.
    Example: "DE32110101001000000029"

  - `recipient_name` (string, required)
    The recipient's name.
    Example: "Hans Mustermann"

  - `reference` (string, required)
    UUID reference for the transaction. Acts as an idempotency key.
    Example: "12f7ec0b-6762-4578-b49f-c0b1647d0e2d"

  - `recipient_bic` (string)
    The recipient's BIC.
    Example: "COBADEFFXXX"

  - `description` (string)
    A description for the transaction, which will be visible to the customer and the recipient.
    Example: "Example transaction"

  - `end_to_end_id` (string)
    End-to-end ID to use for the transaction.

  - `change_request_enabled` (boolean)
    If set to true, then the customer initiating the transaction will receive a change request 2FA challenge. If false, then the legacy 2FA challenge will be used.
    Example: true

  - `verification_of_payee_id` (string)
    The ID of a Verification of Payee that must be completed before making this transaction request. This verification confirms the recipient's identity and bank details. Will be mandatory starting on 09.10.2025

## Response 200 fields (application/json):

  - `id` (string)
    Unique ID of the transaction.
    Example: "45bd0881-a79a-4054-9286-f11060d5511f"

  - `status` (string)
    Status of the transaction.
    Enum: "created", "authorization_required", "confirmation_required", "accepted", "declined", "executed", "review_needed", "scheduled", "canceled"

  - `reference` (string)
    Optional unique reference. Used as an idempotency key.
    Example: "8880a72c-2675-482d-8d88-70a02c608592"

  - `amount` (object)
    The amount of the transaction.

  - `amount.value` (integer)
    The amount value.
    Example: 1000

  - `amount.unit` (string)
    The unit of the given value in cents.
    Example: "cents"

  - `amount.currency` (string)
    The currency of the given value. Only EUR is currently supported.
    Example: "EUR"

  - `description` (string)
    Additional description about the transaction. Please note the [SEPA character restrictions.](https://docs.solarisgroup.com/api-reference/standards/#sepa-characters)

  - `recipient_iban` (string)
    The recipient's IBAN.
    Example: "DE87110101001000057123"

  - `recipient_name` (string)
    The recipient's name. Please note the [SEPA character restrictions.](https://docs.solarisgroup.com/api-reference/standards/#sepa-characters)
    Example: "Max Mustermann"

  - `recipient_bic` (string)
    The recipient's BIC.
    Example: "SOBKDEB2XXX"

  - `end_to_end_id` (string)
    SEPA identifier provided by the transaction initiator, which will be routed throughout the whole payment process. Please note the [SEPA character restrictions.](https://docs.solarisgroup.com/api-reference/standards/#sepa-characters)
    Example: "END2ENDREJ"

  - `batch_id` (string)
    Unique ID of the batch.
    Example: "d6c778822b2d7bd3b778935bcfd0d1d3csc"

  - `created_at` (string)
    UTC timestamp from when the transaction was created.
    Example: "2021-01-01T20:37:50Z"

## Response 201 fields (application/json):

  - `id` (string)
    Unique ID of the transaction.
    Example: "45bd0881-a79a-4054-9286-f11060d5511f"

  - `status` (string)
    Status of the transaction.
    Enum: "created", "authorization_required", "confirmation_required", "accepted", "declined", "executed", "review_needed", "scheduled", "canceled"

  - `reference` (string)
    Optional unique reference. Used as an idempotency key.
    Example: "8880a72c-2675-482d-8d88-70a02c608592"

  - `amount` (object)
    The amount of the transaction.

  - `amount.value` (integer)
    The amount value.
    Example: 1000

  - `amount.unit` (string)
    The unit of the given value in cents.
    Example: "cents"

  - `amount.currency` (string)
    The currency of the given value. Only EUR is currently supported.
    Example: "EUR"

  - `description` (string)
    Additional description about the transaction. Please note the [SEPA character restrictions.](https://docs.solarisgroup.com/api-reference/standards/#sepa-characters)

  - `recipient_iban` (string)
    The recipient's IBAN.
    Example: "DE87110101001000057123"

  - `recipient_name` (string)
    The recipient's name. Please note the [SEPA character restrictions.](https://docs.solarisgroup.com/api-reference/standards/#sepa-characters)
    Example: "Max Mustermann"

  - `recipient_bic` (string)
    The recipient's BIC.
    Example: "SOBKDEB2XXX"

  - `end_to_end_id` (string)
    SEPA identifier provided by the transaction initiator, which will be routed throughout the whole payment process. Please note the [SEPA character restrictions.](https://docs.solarisgroup.com/api-reference/standards/#sepa-characters)
    Example: "END2ENDREJ"

  - `batch_id` (string)
    Unique ID of the batch.
    Example: "d6c778822b2d7bd3b778935bcfd0d1d3csc"

  - `created_at` (string)
    UTC timestamp from when the transaction was created.
    Example: "2021-01-01T20:37:50Z"

## Response 202 fields (application/json):

  - `id` (string)
    ID of the change request.
    Example: "d6c778822b2d7bd3b778935bcfd0d1d3csc"

  - `status` (string)
    The current status of the change request.
    Enum: "ACCEPTED", "AUTHORIZATION_REQUIRED", "CONFIRMATION_REQUIRED", "COMPLETED", "FAILED"

  - `updated_at` (string)
    UTC timestamp from the last time the change request was updated.
    Example: "2022-04-21T13:59:52+00:00"

  - `url` (string)
    URL to use to authorize the change request.
    Example: "https://example.com/authorize"

## Response 400 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `status` (string)
    Example: "400"

  - `code` (string)
    Example: "build_pagination_headers_failure"

  - `title` (string)
    Example: "Failed to build pagination headers."

  - `detail` (string)
    Example: "Cannot connect to database."

## Response 403 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `status` (string)
    Example: "403"

  - `code` (string)
    Example: "unauthorized_action"

  - `title` (string)
    Example: "Unauthorized Action"

  - `detail` (string)
    Example: "Unauthorized action is not allowed."

## Response 404 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `status` (string)
    Example: "404"

  - `code` (string)
    Example: "model_not_found"

  - `title` (string)
    Example: "Model Not Found"

  - `detail` (string)
    Example: "Couldn't find 'Solaris::Identification' for id 'bbbcccfff388923eb899a5852df6cidt'."

## Response 500 fields (application/json):

  - `id` (string)
    Example: "e8915041-9d8c-4d96-9dd1-04e8522ecdbf"

  - `status` (string)
    Example: "500"

  - `code` (string)
    Example: "generic_error"

  - `title` (string)
    Example: "Generic Error"

  - `detail` (string)
    Example: "There was an error."