curl --request POST \
--url https://api.next.orenda.finance/v1/customers/{customerId}/accounts/{accountId}/payments/international \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"amount": "150.00",
"currency": "EUR",
"reference": "Invoice 1025",
"quoteId": "fxq_8a2c4e6f",
"beneficiaryId": "ben_4b8e1c9d",
"debtorViban": "LU280019400644750000",
"purpose": "PP001",
"chargeBearer": "SHA"
}
'{
"success": true,
"data": {
"paymentId": "p_111222333",
"status": "PENDING",
"message": "Payment accepted for processing."
}
}International transfer
Send money abroad, with an extra check for new payees.
curl --request POST \
--url https://api.next.orenda.finance/v1/customers/{customerId}/accounts/{accountId}/payments/international \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"amount": "150.00",
"currency": "EUR",
"reference": "Invoice 1025",
"quoteId": "fxq_8a2c4e6f",
"beneficiaryId": "ben_4b8e1c9d",
"debtorViban": "LU280019400644750000",
"purpose": "PP001",
"chargeBearer": "SHA"
}
'{
"success": true,
"data": {
"paymentId": "p_111222333",
"status": "PENDING",
"message": "Payment accepted for processing."
}
}GET /v1/accounts/{accountId}/fx/quote, then pass its quoteId
here.
not available. To enable international payments,
contact the team.debtorViban must be a Luxembourg (LU) virtual IBAN — take it from the funding
account’s virtualIbans in List accounts.Retry safely
Send anIdempotency-Key header (a UUID) and reuse the same key on every
retry of the same transfer, so a lost response can’t send the money abroad twice. Keep the
key across the two-part security check below — the confirmation attempt is a retry of the
same operation, not a new one.
quoteId. If you fetch a
fresh FX quote before retrying, that’s a new transfer — mint a new
key for it. Reusing the old key with a new quote is rejected with a 400.Extra security check for a new payee
If you send the payee details inline (instead of a savedbeneficiaryId), the payment
needs an extra security step. It works in two parts:
Send the payment
success: false and code: "SCA_REQUIRED", and it includes a challenge.Confirm it
sca challenge and a confirmation
object — a passkey, a 2FA code, or a PIN (on
programs with PIN step-up):"confirmation": { "method": "totp", "totp": "123456", "accessToken": "eyJraWQiOi…" }
accessToken is the access_token from sign-in — not the id_token
you send as the Authorization bearer.The payment then goes through and returns a paymentId and status.beneficiaryId), you skip this check and get the paymentId
straight away.Authorizations
The user's id_token from authentication — the ID token, not the access_token. The program and environment come from the token.
Headers
Optional. Makes the request retry-safe: a retry with the same key resolves to the same resource instead of creating a duplicate. Must be a UUID, and is scoped to the authenticated customer. Preferred over any idempotencyKey body field (a header value wins if both are sent). Optional today, but will be required in a future release — send one on every create now so a retry can never produce a duplicate.
Path Parameters
Customer identifier.
Account identifier. The account determines which optional features and limits apply.
Body
^\d+(\.\d{1,2})?$"100.00"
From GET /v1/accounts/{accountId}/fx/quote.
1International transfers only support LU virtual IBANs.
^LU"PP001"
Destination currency (ISO 4217).
3140Saved beneficiary. Provide this OR beneficiary.
Show child attributes
Show child attributes
SHA, OUR, BEN Step-up confirmation (SCA step-2 only). Set method to passkey, totp, or pin and include that method's fields. pin is a program capability — see Program capabilities.
- Passkey
- 2FA code
- PIN
Show child attributes
Show child attributes
Challenge returned by SCA step-1, echoed back in step-2.
Optional. Idempotency key for retry-safety (parity with batch payments). The Idempotency-Key header is preferred and overrides this field. Reusing a key with different amount/accountId/beneficiaryId returns 400; a key whose payment is still being claimed returns 409.