Payment Initiation Service (Upcoming)

Payment Service API Documentation

POST /payments/initiate

Initiate Payment

cURL

curl --request POST \
  --url https://api-umbrella.io/api/services/payments/initiate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": "100.50",
  "currency": "EUR",
  "referenceId": "uniqueRefId123",
  "transactionDescription": "Payment for Order #12345",
  "returnUrl": "https://example.com/callback",
  "IBAN": "DE89370400440532013000",
  "storedBIC": "BOFIIE2D",
  "language": "DE"
}
'

200

{
  "requestId": "req123456789",
  "redirectUrl": "https://example.com/app/req_123456789"
}

For a usage description of the Payment Initiation Service, please refer to the Payment Services page.

Endpoint

POST /payments/initiate

Authorizations

Authorization · string · header · required

Bearer token obtained from POST /auth. Valid for 60 minutes.

Body

application/json

referenceId · string · required

Unique identifier for the transaction generated by your system.

Example:

"uniqueRefId123"

transactionDescription · string · required

Description of the transaction.

Example:

"Payment for Order #12345"

returnUrl · string<uri> · required

URL to redirect after payment completion – back to the calling app or website.

Example:

"https://example.com/callback"

IBAN · string · required

Recipient's IBAN for direct payment.

Example:

"DE89370400440532013000"

currency · string · required

Currency code.

Example:

"EUR"

amount · string · required

Payment amount formatted as a decimal string.

Example:

"12.50"

storedBIC · string

Pre-stored BIC code.

Example:

"BOFIIE2D"

language · string

Language code.

Example:

"DE"

country · string

Country code.

Example:

"DE"

Response

200

application/json

Payment successfully initiated.

requestId · string · required

Unique identifier for the request. Will be used to query the transfer status in the Retrieve Transaction Status API call.

Example:

"req123456789"

redirectUrl · string<uri> · required

URL to redirect the user to the hosted payment page.

Example:

"https://example.com/app/req_123456789"