Intergiro developer portal

# Payments

There are two ways to transfer money:

  • move money between individual's own accounts
  • pay to somebody else's account using account ID or IBAN

# Make a transfer

Internal transfers enable instant movement of funds between same-currency accounts belonging to the same individual or client. This can serve as a good way to fund someone's dedicated card account with the funds from another of their accounts.

Example move funds request:

 












POST /v3/transactions/move

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "source_account_id": "95b31a55-7fba-47f6-b452-c6f2e7c53bde",
  "target_account_id": "b2714527-9812-490b-a3e9-c70f9cd9663c",
  "amount": 12000,
  "reference": "Move funds",
  "request_id": "e1689f4d-51fe-453a-8df9-134b8e9ae1ee"
}

Response:

 
























HTTP 200 OK

{
  "id": "bzVI0L2ar0",
  "type": "bank-transfer",
  "amount": -12000,
  "currency": "EUR",
  "status": "pending",
  "account_id": "cFlonoU91",
  "reference": "Move funds",
  "request_id": "e1689f4d-51fe-453a-8df9-134b8e9ae1ee",
  "exchange_rate": null,
  "payment_amount": -12000,
  "payment_currency": "EUR",
  "counterparty": {
    "name": "Sigmund Fleud",
    "account_id": "zzEjdGRXO",
    "account_details": {
      "type": "sepa",
      "iban": "SE0097700000000000000002"
    }
  },
  "created_at": "2021-05-11T09:55:17.000Z"
}

# External bank payment

There are two main ways to make a payment to another account:

  • using Intergiro account ID
  • via bank details

IMPORTANT

Making payments online requires individual's Strong Customer Authentication.

# Make payment using counterparty account ID

This is the best way to move funds to somebody else's Intergiro account.

Example make payment via account ID request:

 










 




POST /v3/transactions/pay

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "request_id": "9b68d2fb-8ec1-44c4-b6d0-23afbe2f6a1c",
  "account_id": "95b31a55-7fba-47f6-b452-c6f2e7c53bde",
  "counterparty": {
    "name": "Kraken LTD",
    "account_id": "220ce017-b261-4126-8bd9-addc8eb5b666"
  },
  "amount": 12000,
  "reference": "Invoice payment 1301"
}

Response:

 




















HTTP 200 OK

{
  "id": "27e0e678-4f04-4ae4-85d9-a5bc91be5472",
  "type": "bank-transfer",
  "amount": 12000,
  "currency": "EUR",
  "status": "pending",
  "account_id": "95b31a55-7fba-47f6-b452-c6f2e7c53bde",
  "reference": "Invoice payment 1301",
  "counterparty": {
    "name": "Kraken LTD",
    "account_id": "220ce017-b261-4126-8bd9-addc8eb5b666",
    "account_details": {
      "type": "sepa",
      "iban": "SE0097700000000000000002"
    }
  },
  "created_at": "2021-05-11T09:55:17.000Z"
}

# Make payment using account bank details

Example SEPA payment request:

 











 
 





POST /v3/transactions/pay

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "request_id": "9b68d2fb-8ec1-44c4-b6d0-23afbe2f6a1c",
  "account_id": "95b31a55-7fba-47f6-b452-c6f2e7c53bde",
  "counterparty": {
    "name": "Kraken LTD",
    "account": {
      "iban": "DE75512108001245126199",
      "bic": "SOGEDEFF"
    }
  },
  "amount": 12000,
  "reference": "Invoice payment 1301"
}

Response:

 








HTTP 412 Precondition Failed

{
  "consent": {
    "id": "e1dd9cd7-1650-42b3-8496-a970fb40ed3f",
    "status": "pending"
  }
}

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