# Create a SEPA Instant Credit Transfer

Creates a SEPA Instant Credit Transfer on the account specified in the request URL and triggers the 2FA flow via change request. You must add the transaction details in the request body.

Endpoint: POST /v1/accounts/{account_id}/transactions/sepa_instant_credit_transfers
Version: 1.0

## Path parameters:

  - `account_id` (string, required)
    The ID of the customer's account from which the SCT Instant will be transferred.

## Request fields (application/json):

  - `amount` (object, required)
    The transaction amount.
    Example: {"value":3000,"currency":"EUR"}

  - `amount.value` (integer, required)
    The amount value in cents.
    Example: 3000

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

  - `creditor_iban` (string, required)
    The IBAN of the creditor account (i.e., the account holder receiving the money). The IBAN must be reachable via SCT Instant!
    Example: "Lisa Herrmann"

  - `creditor_name` (string, required)
    The name of the creditor (i.e., account holder).
    Example: "DE02500105170137075030"

  - `description` (string)
    A description for the transaction given by the customer.
    Example: "Geschenk"

  - `end_to_end_id` (string)
    Your unique end-to-end ID for the transaction.
    Example: "e2178fc8b9ad4a479e269a47f90b4a43"

  - `initiator_reference` (string)
    Your unique reference for the transaction.
    Example: "2603037c-e264-46c4-82e8-0d3ebc23a30f"

  - `idempotency_key` (string)
    Your unique value generated for the transaction, which Solaris uses to recognize subsequent retries of the same request.
    Example: "7352a11b-011d-47a4-a449-17371078e98c"

  - `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 202 fields (application/json):

  - `change_request` (object)

  - `change_request.id` (string)
    ID of the change request.
    Example: "b520ce9090c44a989149fe7f2f94a785"

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

  - `change_request.updated_at` (string)
    Timestamp from when the change request was last updated.
    Example: "2021-12-22T15:05:33.634+00:00"

  - `change_request.url` (string)
    The URL to call to request authorization of this change request.
    Example: "https://api.solaris.com/v1/change_requests/{change_request_id}/authorize"

## Response 400 fields (application/json):

  - `errors` (array)

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

  - `errors.code` (string)
    Example: "invalid_request"

  - `errors.title` (string)
    Example: "Invalid Request"

  - `errors.details` (string)
    Example: "Request is invalid"

## Response 403 fields (application/json):

  - `errors` (array)

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

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

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

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

## Response 404 fields (application/json):

  - `errors` (array)

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

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

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

  - `errors.details` (string)
    Example: "Model was not found"

## Response 500 fields (application/json):

  - `errors` (array)

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

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

  - `errors.title` (string)
    Example: "Internal Server Error"

  - `errors.details` (string)
    Example: "Internal server error occurred"