Initiate SEPA Payment

post

https://www.sandbox.striga.com/api/v1/wallets/send/initiate/bank

Send funds outwards from a EUR enriched account to another IBAN that is owned by the same person as the account holder.

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SCA-enabled applications
This endpoint accepts a verificationMethod field (sms, totp, or passkey) for PSD2 Strong Customer Authentication. The totp factor is only accepted when the destination IBAN is a Trusted Beneficiary; otherwise sms and passkey are the available options. When using passkey, run the ceremony via PASSKEY_APPROVAL_START before calling /wallets/transaction/confirm.

Body Params

userId

string

required

The Id of the user who is sending this transaction

sourceAccountId

string

required

The Id of the account to debit

memo

string

An optional memo - Alphanumeric string upto 15 characters in length

amount

string

required

The amount denominated in the smallest divisible unit of the sending currency. For example: cents or satoshis

destination

object

fixedFee

string

Optional fixedFee in Euro cents to override the default application fee configuration. This amount can only be <= the default configured amount for this transaction type.

percentFeeBps

string

Optional percentage fee in bps to override the default application fee configuration. This amount can only be <= the default configured amount for this transaction type.

paymentType

string

Defaults to SEPA, SEPA_INSTANT

Optional "paymentType" to force a payment scheme. Use it only if you absolutely need to, by default all payments go through SEPA_INSTANT if available and if not SEPA. In some rare cases if there is an issue with the scheme, this parameter can force trying with a particular method.

whitelistedIbanId

string

ID of a whitelisted IBAN. if the IBAN is also a Trusted Beneficiary, the totp factor becomes available for this payment.

verificationMethod

string

enum

Defaults to sms

SCA factor for this payment — one of sms (default), totp, or passkey. totp requires the destination IBAN to be a Trusted Beneficiary.

Allowed:

Headers

api-key

string

required

api-key is available on the dashboard

Response

200200