Send money via transfer

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.

     Payments between Revolut accounts (either business or personal) execute instantly.

   • 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 the state response parameter in Business API: Create a payment.

Make a payment​

To pay a counterparty, create a payment using the /pay endpoint:

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"
      }'

If the payment is processed instantly, the response includes its completed_at date. If it is processed asynchronously or is scheduled for processing in the future, this date is not returned in the response.

To see example requests and responses: