Request For Payment Outbound

The RequestForPayment API enables to request for a payment from the sender.

Method: POST

{{URL}}/rtp/rpc/TransactionService/RequestForPayment

Headers

Name	Value
Content-Type	application/json
Credential	"Basic c3VwcG9ydCsxQG5ldHN5cy1pbmMuY29tOjM5ZDYxOGJkNTVmN5NWQxY2RlNDE5"
Signature	"{{signature}}"

Example

Payload Parameters

Parameter	Description
referenceNumber Mandatory	String Unique reference number of the request Example – "2023081892413659999Vfy9n1NLx9kEewF"
processor Mandatory	String Payment channel through which the transaction happens Example – "TCH" or "FedNow"
senderType Mandatory (Applicable only for TCH)	String Type of customer Example – "BUSINESS"
debtorAccount Mandatory	Object
memberId Mandatory	String Routing number of the receiver bank Example – "234567891"
Name Mandatory	String Name of the receiver account holder Example – "hjaa"
accountNumber Mandatory	String Account number of the receiver Example – "1234565678"
dateAndPlaceOfBirth Mandatory (Applicable only for TCH)	Object
birthDate Mandatory	String Birth date of receiver Example – "1990-01-19"
cityOfBirth Mandatory	String Birth city of receiver Example – "New York"
countryOfBirth Mandatory	String Birth country code of receiver Example – "US"
address Optional (Applicable only for TCH)	Object
streetName Optional	String Street name of the receiver address Example – "Facebookstreet"
postalCode Optional	String Postal code of the receiver address Example – "Kotre"
townName Optional	String Town name of the receiver address Example – "Chicago"
countrySubDiv Optional	String Code of a subdivision which can be a state, province, or region Example – "LM"
country Optional	String Country code of the receiver address Example – "US"
creditorAccount	Object
memberId Mandatory	String Routing number of the sender bank Example – "072403473"
Name Mandatory	String Name of the sender account holder Example – "Seve"
accountNumber Mandatory	String Account number of the sender Example – "123457890"
dateAndPlaceOfBirth Mandatory (Applicable only for TCH)	Object
birthDate Mandatory	String Birth date of sender Example – "1990-01-20"
cityOfBirth Mandatory	String Birth city of sender Example – "New York"
countryOfBirth Mandatory	String Birth country code of sender Example – "US"
address Optional (Applicable only for TCH)	Object
streetName Optional	String Street name of the sender address Example – "sdsds"
postalCode Optional	String Postal code of the sender address Example – "1245"
townName Optional	String Town name of the sender address Example – "Chicago"
countrySubDiv Optional	String Code of a subdivision which can be a state, province, or region Example – "LM"
country Optional	String Country code of the sender address Example – "US"
paymentInfo Mandatory	Object
expDate Mandatory	String Expiry date of the payment request Example – "2024-03-28"
payCond Mandatory (Applicable only for TCH)	Object
amtModAllwd Mandatory	Boolean Whether request amount can be modified True – can be modified False – can not be modified Example – "false"
earlyPmtAllwd Mandatory	Boolean Whether early payment is allowed True – allowed False – not allowed Example – "true"
grntedPmtReqd Mandatory	Boolean Whether the guaranteed payment is requested or not True – requested False – not requested Example – "false"
instructedAmount Mandatory	Object
Amount Mandatory	Number Amount of transaction Example – 22759
Currency Mandatory	String Currency code of the transaction Example – "USD"

cURL

curl --location '{{URL}}/rtp/rpc/TransactionService/RequestForPayment' \
--header 'Content-Type: application/json' \
--data '{"referenceNumber":"M20231109918765022223","processor":"TCH","senderType":"BUSINESS","debtorAccount":{"memberId":"234567891","Name":"hjaa","accountNumber":"1234565678","dateAndPlaceOfBirth":{"birthDate":"1990-01-19","cityOfBirth":"New York","countryOfBirth":"US"},"address":{"streetName":"Facebookstreet","postalCode":"Kotre","townName":"Chicago","countrySubDiv":"LM","country":"US"}},"creditorAccount":{"memberId":"072403473","name":"Seve","accountNumber":"123457890","dateAndPlaceOfBirth":{"birthDate":"1990-01-20","cityOfBirth":"New York","countryOfBirth":"US"},"address":{"streetName":"sdsds","postalCode":"1245","townName":"Chicago","countrySubDiv":"LM","country":"US"}},"paymentInfo":{"expDate":"2024-03-28"},"payCond":{"amtModAllwd":false,"earlyPmtAllwd":true,"grntedPmtReqd":false},"instructedAmount":{"amount":22759,"currency":"USD"}}'

C#

var options = new RestClientOptions("{{URL}}")
{
  MaxTimeout = -1,
};
var client = new RestClient(options);
var request = new RestRequest("/rtp/rpc/TransactionService/RequestForPayment", Method.Post);
request.AddHeader("Content-Type", "application/json");
var body = @"{
" + "\n" +
@"    ""referenceNumber"": ""M20231109918765022223"",
" + "\n" +
@"    ""processor"": ""TCH"",
" + "\n" +
@"    ""senderType"": ""BUSINESS"",
" + "\n" +
@"    ""debtorAccount"": {
" + "\n" +
@"        ""memberId"": ""234567891"",
" + "\n" +
@"        ""Name"": ""hjaa"",
" + "\n" +
@"        ""accountNumber"": ""1234565678"",
" + "\n" +
@"        ""dateAndPlaceOfBirth"": {
" + "\n" +
@"            ""birthDate"": ""1990-01-19"",
" + "\n" +
@"            ""cityOfBirth"": ""New York"",
" + "\n" +
@"            ""countryOfBirth"": ""US""
" + "\n" +
@"        },
" + "\n" +
@"        ""address"": {
" + "\n" +
@"            ""streetName"": ""Facebookstreet"",
" + "\n" +
@"            ""postalCode"": ""Kotre"",
" + "\n" +
@"            ""townName"": ""Chicago"",
" + "\n" +
@"            ""countrySubDiv"": ""LM"",
" + "\n" +
@"            ""country"": ""US""
" + "\n" +
@"        }
" + "\n" +
@"    },
" + "\n" +
@"    ""creditorAccount"": {
" + "\n" +
@"        ""memberId"": ""072403473"",
" + "\n" +
@"        ""name"": ""Seve"",
" + "\n" +
@"        ""accountNumber"": ""123457890"",
" + "\n" +
@"        ""dateAndPlaceOfBirth"": {
" + "\n" +
@"            ""birthDate"": ""1990-01-20"",
" + "\n" +
@"            ""cityOfBirth"": ""New York"",
" + "\n" +
@"            ""countryOfBirth"": ""US""
" + "\n" +
@"        },
" + "\n" +
@"        ""address"": {
" + "\n" +
@"            ""streetName"": ""sdsds"",
" + "\n" +
@"            ""postalCode"": ""1245"",
" + "\n" +
@"            ""townName"": ""Chicago"",
" + "\n" +
@"            ""countrySubDiv"": ""LM"",
" + "\n" +
@"            ""country"": ""US""
" + "\n" +
@"        }
" + "\n" +
@"    },
" + "\n" +
@"    ""paymentInfo"": {
" + "\n" +
@"        ""expDate"": ""2024-03-28""
" + "\n" +
@"    },
" + "\n" +
@"    ""payCond"": {
" + "\n" +
@"        ""amtModAllwd"": false,
" + "\n" +
@"        ""earlyPmtAllwd"": true,
" + "\n" +
@"        ""grntedPmtReqd"": false
" + "\n" +
@"    },
" + "\n" +
@"    ""instructedAmount"": {
" + "\n" +
@"        ""amount"": 22759,
" + "\n" +
@"        ""currency"": ""USD""
" + "\n" +
@"    }
" + "\n" +
@"}";
request.AddStringBody(body, DataFormat.Json);
RestResponse response = await client.ExecuteAsync(request);
Console.WriteLine(response.Content);

Go

package main

import (
  "fmt"
  "strings"
  "net/http"
  "io/ioutil"
)

func main() {

  url := "{{URL}}/rtp/rpc/TransactionService/RequestForPayment"
  method := "POST"

  payload := strings.NewReader(`{`+"
"+`
    "referenceNumber": "M20231109918765022223",`+"
"+`
    "processor": "TCH",`+"
"+`
    "senderType": "BUSINESS",`+"
"+`
    "debtorAccount": {`+"
"+`
        "memberId": "234567891",`+"
"+`
        "Name": "hjaa",`+"
"+`
        "accountNumber": "1234565678",`+"
"+`
        "dateAndPlaceOfBirth": {`+"
"+`
            "birthDate": "1990-01-19",`+"
"+`
            "cityOfBirth": "New York",`+"
"+`
            "countryOfBirth": "US"`+"
"+`
        },`+"
"+`
        "address": {`+"
"+`
            "streetName": "Facebookstreet",`+"
"+`
            "postalCode": "Kotre",`+"
"+`
            "townName": "Chicago",`+"
"+`
            "countrySubDiv": "LM",`+"
"+`
            "country": "US"`+"
"+`
        }`+"
"+`
    },`+"
"+`
    "creditorAccount": {`+"
"+`
        "memberId": "072403473",`+"
"+`
        "name": "Seve",`+"
"+`
        "accountNumber": "123457890",`+"
"+`
        "dateAndPlaceOfBirth": {`+"
"+`
            "birthDate": "1990-01-20",`+"
"+`
            "cityOfBirth": "New York",`+"
"+`
            "countryOfBirth": "US"`+"
"+`
        },`+"
"+`
        "address": {`+"
"+`
            "streetName": "sdsds",`+"
"+`
            "postalCode": "1245",`+"
"+`
            "townName": "Chicago",`+"
"+`
            "countrySubDiv": "LM",`+"
"+`
            "country": "US"`+"
"+`
        }`+"
"+`
    },`+"
"+`
    "paymentInfo": {`+"
"+`
        "expDate": "2024-03-28"`+"
"+`
    },`+"
"+`
    "payCond": {`+"
"+`
        "amtModAllwd": false,`+"
"+`
        "earlyPmtAllwd": true,`+"
"+`
        "grntedPmtReqd": false`+"
"+`
    },`+"
"+`
    "instructedAmount": {`+"
"+`
        "amount": 22759,`+"
"+`
        "currency": "USD"`+"
"+`
    }`+"
"+`
}`)

  client := &http.Client {
  }
  req, err := http.NewRequest(method, url, payload)

  if err != nil {
    fmt.Println(err)
    return
  }
  req.Header.Add("Content-Type", "application/json")

  res, err := client.Do(req)
  if err != nil {
    fmt.Println(err)
    return
  }
  defer res.Body.Close()

  body, err := ioutil.ReadAll(res.Body)
  if err != nil {
    fmt.Println(err)
    return
  }
  fmt.Println(string(body))
}

NodeJs

var https = require('follow-redirects').https;
var fs = require('fs');

var options = {
  'method': 'POST',
  'hostname': '{{URL}}',
  'path': '/rtp/rpc/TransactionService/RequestForPayment',
  'headers': {
    'Content-Type': 'application/json'
  },
  'maxRedirects': 20
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

var postData = JSON.stringify({
  "referenceNumber": "M20231109918765022223",
  "processor": "TCH",
  "senderType": "BUSINESS",
  "debtorAccount": {
    "memberId": "234567891",
    "Name": "hjaa",
    "accountNumber": "1234565678",
    "dateAndPlaceOfBirth": {
      "birthDate": "1990-01-19",
      "cityOfBirth": "New York",
      "countryOfBirth": "US"
    },
    "address": {
      "streetName": "Facebookstreet",
      "postalCode": "Kotre",
      "townName": "Chicago",
      "countrySubDiv": "LM",
      "country": "US"
    }
  },
  "creditorAccount": {
    "memberId": "072403473",
    "name": "Seve",
    "accountNumber": "123457890",
    "dateAndPlaceOfBirth": {
      "birthDate": "1990-01-20",
      "cityOfBirth": "New York",
      "countryOfBirth": "US"
    },
    "address": {
      "streetName": "sdsds",
      "postalCode": "1245",
      "townName": "Chicago",
      "countrySubDiv": "LM",
      "country": "US"
    }
  },
  "paymentInfo": {
    "expDate": "2024-03-28"
  },
  "payCond": {
    "amtModAllwd": false,
    "earlyPmtAllwd": true,
    "grntedPmtReqd": false
  },
  "instructedAmount": {
    "amount": 22759,
    "currency": "USD"
  }
});

req.write(postData);

req.end();

Request Body (Applicable for both FedNow and TCH)

{
    "referenceNumber": "M20231109918765022223",
    "processor": "TCH",
    "senderType": "BUSINESS", //applicable only for TCH
    "debtorAccount": {
        "memberId": "234567891",
        "Name": "hjaa",
        "accountNumber": "1234565678",
        "dateAndPlaceOfBirth": { //applicable only for TCH
            "birthDate": "1990-01-19",
            "cityOfBirth": "New York",
            "countryOfBirth": "US"
        },
        "address": { //applicable only for TCH
            "streetName": "Facebookstreet",
            "postalCode": "Kotre",
            "townName": "Chicago",
            "countrySubDiv": "LM",
            "country": "US"
        }
    },
    "creditorAccount": {
        "memberId": "072403473",
        "name": "Seve",
        "accountNumber": "123457890",
        "dateAndPlaceOfBirth": { //applicable only for TCH
            "birthDate": "1990-01-20",
            "cityOfBirth": "New York",
            "countryOfBirth": "US"
        },
        "address": { //applicable only for TCH
            "streetName": "sdsds",
            "postalCode": "1245",
            "townName": "Chicago",
            "countrySubDiv": "LM",
            "country": "US"
        }
    },
    "paymentInfo": {
        "expDate": "2024-03-28"
    },
    "payCond": { //applicable only for TCH
        "amtModAllwd": false,
        "earlyPmtAllwd": true,
        "grntedPmtReqd": false
    },
    "instructedAmount": {
        "amount": 22759,
        "currency": "USD"
    }
}

Response: 200

Response Parameters

Parameter	Description
reponse	String Response received for the given request Example – "JSON Representation of Received Response"
message	String Outcome response message of the request Example – "success"
endToEndId	String ID that enables to trace the transaction at any time during the process Example – "2023112720003056012345834"
messageId	String Unique message ID generated for the transaction Example – "20240328111222474nsIvTjAq9f8z"
rawMessage	String Raw response message related to the transaction encoded in Base64 Example – "Base64 Value of Received Response"
status	String Current status of the transaction Example – "RCVD"
paymentId	String Payment reference ID of the transaction Example – "20240328111112222T1BPQCW49266572611"

Response Body (Applicable for both FedNow and TCH)

{
  "response": "JSON Representation of Received Response",
  "message": "success",
  "endToEndId": "M20231109918765022223",
  "messageId": "M20240328111112222T1BQDO49266572611",
  "rawMessage": "Base64 Value of Received Response",
  "status": "RCVD",
  "paymentId": "20240328111112222T1BPQCW49266572611"
}