Create your first payment request

Base URLs:
The following 2 URLs are the base addresses of our API. To reach them you must always use HTTPS.

Sandbox environment: https://sepaexpress-sand-fx.azurewebsites.net/
Production environment: https://sepaexpress-prod-fx.azurewebsites.net/

There are four steps to initiate a payment with BC Connect:

Create a new customer
Create a new bank account for this customer
Create a new mandate for this bank account
Create a new payment referencing on this mandate

You can either do every step one by one or combine all of them in our optimised workflow.

To follow the quick start guide, please use the following MerchantID and ConnectorID for our sandbox environment:

merchantId: ed2a8e8a87f2e7a6093a8969b3874d65
connectorId: 6f1cebbb863ffe22d4f73ac2aebedaf3

NOTE: Mandate approval for AIS and SMS is not enabled for the quick start connector. To get your own personal API credentials, please contact our Client Services.

Request:

curl --location --request POST 'https://sepaexpress-sand-fx.azurewebsites.net/api/services/v2/Payments' \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --header 'Authorization: Bearer {{token}}' \
  --data-raw '{
      "mandate":{
          "bankAccount":{
              "customer":{
                  "merchantId": "ed2a8e8a87f2e7a6093a8969b3874d65",
                  "givenName": "Max",
                  "familyName": "Mustermann",
                  "addressLine1": "Musterstraße 1",
                  "postalCode": "54321",
                  "city": "Musterstadt",
                  "countryCode": "DE",
                  "languageCode": "de",
                  "emailAddress": "[email protected]"
             },
              "memo": "test999",
              "iban": "DE86100000001234400013"
          },
      "connectorId": "6f1cebbb863ffe22d4f73ac2aebedaf3"
      },
      "currencyCode": "EUR",
      "amount": 1,
      
  }'

Response:

{
      "payment": {
          "id": "b0109fa3a03aa48bb0691d007a04b2cc",
          "merchantId": "ed2a8e8a87f2e7a6093a8969b3874d65",
          "customerId": "b51191d7a45296d61e4c645b2113638b",
          "customer": {
              "id": "b51191d7a45296d61e4c645b2113638b",
              "merchantId": "ed2a8e8a87f2e7a6093a8969b3874d65",
              "createdAt": "2020-03-12T08:19:05.1010008Z",
              "state": "created",
              "givenName": "Max",
              "familyName": "Mustermann",
              "addressLine1": "Musterstraße 1",
              "postalCode": "54321",
              "city": "Musterstadt",
              "countryCode": "DE",
              "languageCode": "de",
              "emailAddress": "[email protected]"
          },
          "bankAccountId": "e209fc86d8e9eec3dbb7a8f54dba5e8b",
          "bankAccount": {
              "id": "e209fc86d8e9eec3dbb7a8f54dba5e8b",
              "merchantId": "ed2a8e8a87f2e7a6093a8969b3874d65",
              "customerId": "b51191d7a45296d61e4c645b2113638b",
              "createdAt": "2020-03-12T08:19:05.0839413Z",
              "state": "created",
              "accountHolder": "Max Mustermann",
              "iban": "DE86100000001234400013",
              "currencyCode": "EUR",
              "countryCode": "DE",
              "memo": "test999"
          },
          "mandateId": "ffe1af72ba4dc9599bfad042cae9407e",
          "mandate": {
              "id": "ffe1af72ba4dc9599bfad042cae9407e",
              "merchantId": "ed2a8e8a87f2e7a6093a8969b3874d65",
              "connectorId": "6f1cebbb863ffe22d4f73ac2aebedaf3",
              "customerId": "b51191d7a45296d61e4c645b2113638b",
              "bankAccountId": "e209fc86d8e9eec3dbb7a8f54dba5e8b",
              "createdAt": "2020-03-12T08:19:05.0496901Z",
              "state": "created",
              "scheme": "sepa",
              "reference": "e0c2a3058798aa82f44f6e610cfd6615",
              "type": "recurring",
              "mandateUrl": "https://sepaexpress-sand-fx.azurewebsites.net/api/services/v2/Resources/ed2a8e8a87f2e7a6093a8969b3874d65/6f1cebbb863ffe22d4f73ac2aebedaf3/Mandates/ffe1af72ba4dc9599bfad042cae9407e.pdf",
              "approvalDate": "2020-03-12T08:19:05.0496901Z"
          },
          "createdAt": "2020-03-12T08:19:05.0049479Z",
          "state": "created",
          "currencyCode": "EUR",
          "amount": 1,
          "reference": "150e7aa92784e0df56363f0f1bf7211c",
          "softDescriptor": "SEPA Direct Debit End2End-Ref: 150e7aa92784e0df56363f0f1bf7211c Mandate-Ref: e0c2a3058798aa82f44f6e610cfd6615",
          "refundCount": 0,
          "refundAmount": 0,
          "submitAfter": "2020-03-12T08:19:05.0049479Z"
      }
  }

Well done! You've successfully initiated your first direct debit request via BC Connect. It’s as easy as that!