Creating payments

A payment uses the transaction model. The model has several key elements that are essential for creating a payment.

If you want a runtime-guided flow to build payloads by intent, currency, and rail availability, use the Transaction Builder.

Key Elements

• identityId: The identity initiating the payment.

• accountNumber: The account number linked to the payment. It must be an account owned by the identity assigned in identityId.

• type: The transaction types as defined in the system.

• purchaseAmount: The amount before any fees are applied. A payment can be initiated using either purchaseAmount or totalAmount, but only one of the two should be provided.

• purchaseCurrency: The currency associated with purchaseAmount.

• totalAmount: The final amount after all fees have been applied. A payment can be initiated using either purchaseAmount or totalAmount, but only one of the two should be provided.

• currency: The currency associated with totalAmount.

• product: Defined as purchaseCurrency:currency.

• origins: Specifies the source of funds for the payment.

• destinations: Specifies the destination of the funds.

This structure ensures that payments are properly linked, calculated, and processed within the system.