Make a payment (deposit, withdrawal or internal)

Book/submit a new payment.

October 2025

Payments using the SEPA network now require proof of a valid "verification of payee" (VoP) check.
This is performed through the "Verify payee details" endpoint and the verification request property on this endpoint.

Validation errors

invalid

The amount value is not specified or invalid. Must be greater than 0, positive and to the minor unit.

Path is amount.

missing

The currency value is not specified.

Path is currency.

invalid

The currency value is not 3 chars long.

Path is currency.

Param length: 3

invalid

The currency value is not 3 chars long.

Path is tag.

Param min_length: 0

Param max_length: 100

currency_not_active

Source wallet currency is not active.

Path is originAccountKey.

currency_not_active

Destination wallet currency is not active.

Path is beneficiaryAccountKey.

invalid

Payment reference contains invalid characters (internal/payout or cannot be specified (deposit)

Path is paymentReference.

invalid

The paymentReference value length is invalid.

Path is paymentReference.

Param min_length: 0

Param max_length: 140

insufficient_funds_for_payment_and_fees

Wallet of payment and fee has insufficent funds.

Path is payments[i].

insufficient_funds_for_payment_fees

Wallet of payment fee has insufficent funds.

Path is payments[i].

invalid

Amount is not rounded to the minor unit or is 0.

Path is amount.

date_has_passed

Value date is in the past.

Path is valueDate.

date_close

Value date is not a business date.

Path is valueDate.

date_too_far

Value date is more than a year.

Path is valueDate.

after_cob

Payment with value date of today submitted after cut off time.

Path is valueDate.

value_date_not_allowed

Value date not allowed for a non-payout payment.

Path is ``.

unknown

Unknown sender id specified

Path is ``.

curl --location 'https://api.demo.getneo.com/v3/payments' \ --header 'Content-Type: application/json' \ --data '{ "correlationId": "string", "amount": 0, "beneficiary": { "accounts": [ { "accountNumber": "string", "bank": "string", "bic_swift": "string", "country": "string", "iban": "string", "routingNumber": "string", "sortCodeUK": "string" } ], "address1": "string", "address2": "string", "city": "string", "country": "string", "county": "string", "email": "string", "firstName": "string", "lastName": "string", "name": "string", "postCode": "string" }, "beneficiaryAccountKey": "string", "currencyCode": "EUR", "fee": { "amount": 0, "currency": "string" }, "ibanId": "string", "indicativeCost": 0, "indicativeCostCurrency": "EUR", "originAccountKey": "abcdefghijkl0123456789", "paymentChargeType": "sha", "paymentNetwork": "swift", "paymentPriority": "none", "paymentReference": "string", "purpose": "string", "senderId": "abcdefghijkl0123456789", "source": { "accountNumber": "string", "additionalInformation": "string", "bicSwift": "NEOPESBB", "iban": "string", "name": "string" }, "tag": "string", "type": "none", "valueDate": "2019-08-24T14:15:22.123Z", "verification": { "requestId": "d385ab22-0f51-4b97-9ecd-b8ff3fd4fcb6", "acceptWarning": true } }'

Make a payment (deposit, withdrawal or internal)

Validation errors

Request

Responses

Make a payment (deposit, withdrawal or internal)

Validation errors#

Request

Responses

Validation errors