Create a payment

This tutorial walks you through the steps of making an instant payment and scheduling a payment.

An incoming or outgoing payment is represented as a transaction. A transaction is processed in two stages:

1. A transaction is created.

2. The transaction is processed in either of the following ways:

   • Credit/debit on both sides of the transaction made between Revolut accounts.

     If the payment is made between Revolut accounts, the transaction is executed instantly, and skips the pending state.

   • Posted to an external payment network, for example, Faster Payments, SEPA, SWIFT, etc.

     If the payment is made to an external payment network, when the transaction is created, the payment is in the pending state. When it's processed, it has one of the following states:

     • completed
     • failed
     • reverted
     • declined

For more information about the transaction states, see: Business API - Create a payment.

Make an instant payment​

Pay a counterparty:

curl -X POST https://b2b.revolut.com/api/1.0/pay 
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer <your access token>' \
  -d '{
        "request_id": "e0cbf84637264ee082a848b",
        "account_id": "bdab1c20-8d8c-430d-b967-87ac01af060c",
        "receiver": {
          "counterparty_id": "5138z40d1-05bb-49c0-b130-75e8cf2f7693",
          "account_id": "db7c73d3-b0df-4e0e-8a9a-f42aa99f52ab"
        },
        "amount": 123.11,
        "currency": "EUR",
        "reference": "Invoice payment #123"
      }'

Response for an instantly processed payment:

{
  "id": "d56dd396-523b-4613-8cc7-54974c17bcac",
  "state": "completed",
  "created_at": "2017-10-01T10:10:10.0Z",
  "completed_at": "2017-10-01T10:10:10.0Z"
}

Response for a payment that is processed asynchronously or is scheduled for processing in the future:

{
  "id": "d56dd396-523b-4613-8cc7-54974c17bcac",
  "state": "created",
  "created_at": "2017-10-01T10:10:10.0Z"
}

Create a payment using the /pay endpoint.

If you make the payment to another Revolut account, either business or personal, the transaction is executed instantly.