The endpoint is used for initiating a single payment.
Overview
This endpoint processes individual payments one at a time. It is suitable for use cases where payments are handled individually, such as companies with low payment volumes or systems that process payments individually in near-real time (interactive processing).
If your company deals with small amounts of payments at low frequencies, the Single Payments endpoint is the appropriate choice.
From the start of November 2026, applicable payment schemes will require Town Name and Country Code in dedicated address fields. Existing address requirements continue to apply.
Duplicate checks
All single payments submitted via the Single Payments API undergo a duplicate check to ensure that the same payment is not processed twice.
If two single payments with the same amount/currency, beneficiary name and address, debtor reference and execution date are submitted, the second payment will be rejected. The second payment will initially be placed in a PendingProcessing state before being rejected.
Occasionally, two single payments may run simultaneously and bypass the duplicate check due to parallel processing.
The endpoint supports idempotency keys.
Content specification
Content specifications Header
| Parameter | Required | Allowed input | Description | Example |
|---|---|---|---|---|
| X-MessageReference | Optional | String | Unique reference of the HTTP request. If left blank this field will be populated with a GUID | 6198eb60-d1dd-4aad-9bbd-b01a49214e62 |
| Idempotency-Key | Optional | String | Unique value generated by the user which the API uses to recognize subsequent retries of the same request. This field is limited to a maximum of 100 characters, if not upheld the API will return with an error 400 - Bad Request | 2b7b05ad-4411-4a19-8c95-2508b17e0fd8 |
Content specifications Body
| Parameter | Required | Allowed input | Description | Example |
|---|---|---|---|---|
| requestedExecutionDate | Mandatory | YYYY-MM-DD | The date on which you would like your payment to be processed and debited from your Debtor Account | 2021-12-05 |
| fxQuoteId | Optional | GUID | The quote id which includes exchange rate, currency pair and expiry time | 53c7b2c3-d013-4dd7-82ee-458dbc41b2b5 |
| debtorAccount | ||||
| account | Mandatory | IBAN or account | Account from which funds will be debited | DK1111111111111111 |
| financialInstitution | Mandatory if Debtor Account is not an IBAN. Optional otherwise | Bank Identifier Code (BIC) or a National Clearing Code (NCC) | Financial Institution where Debtor Account resides | SXPYDKKKXXX or SC083002 |
| country | Mandatory if Debtor Account is not an IBAN. Optional otherwise | ISO Country Code | Country of sender’s bank | DK |
| debtorViban | ||||
| account | Optional | Virtual account number /VIBAN | This field should be populated if you wish to send payments from a specific virtual account. | 025682702 |
| financialInstitution | Mandatory if debtorViban is not an IBAN. Optional otherwise | Bank Identifier Code (BIC) or a National Clearing Code (NCC) | Bank Identifier Code (BIC) or a National Clearing Code (NCC) | AU252000 |
| debtorReference | Optional | Maximum length: 35. Allowed characters* | Own reference which can be used for your own reconciliation. This value can be found on the reconciliation and rejection reports under User Reference. This field is purely for own reference, i.e. it is not part of the resulting payment | Debtor reference from your system |
| debtorNarrativeToSelf | Optional | Maximum length: 35. Allowed characters* | Dual purpose. Narrative to self: This field is purely for your own reference, i.e. it is not part of the resulting payment | Free text field |
| currencyOfTransfer | Mandatory | Format of Alpha 3 ISO 4217 | Currency of the amount that will be transferred to the creditor. Only supported currencies allowed | EUR |
| amount | ||||
| currency | Mandatory | Format of Alpha 3 ISO 4217 | Currency of the amount. Only supported currencies allowed | EUR |
| amount | Mandatory | Must be larger than zero and formatted without the one thousand separator using a full stop ‘.’ as the decimal separator. Must conform with allowed number of decimals for selected Amount Currency | Instructed amount | Valid examples (GBP): 100 or 100. or 100.00. Invalid examples (GBP): 1,100 or 1,100.00 or 1100.000 |
| chargeBearer | Mandatory | "SHA", "OUR" or "BEN" | Determines which of the parties will be charged the payment fee. BC Connect will either carry the instructed charge bearer value forward, or overwrite the value, before executing the payment. This depends on the client’s “charge bearer setup”, and the payment rail used to execute the payment. | SHA |
| remittanceInformation | ||||
| line1 | Optional | Maximum length: 35. Allowed characters*. Illegal characters** | Line 1 of the textual information passed from Debtor to Creditor as part of the transfer. Purpose code required for AED and SAR payments in this field. | Free text field |
| line2 | Optional | Maximum length: 35. Allowed characters*. Illegal characters** | Line 2 of the textual information passed from Debtor to Creditor as part of the transfer | Free text field |
| line3 | Optional | Maximum length: 35. Allowed characters*. Illegal characters** | Line 3 of the textual information passed from Debtor to Creditor as part of the transfer | Free text field |
| line4 | Optional | Maximum length: 35. Allowed characters*. Illegal characters** | Line 4 of the textual information passed from Debtor to Creditor as part of the transfer | Free text field |
| CreditorId | Mandatory if creditorAccount is left blank | GUID | ID of the creditor if they are created as a pre-defined beneficiary | 3d7279c9-bca2-444f-a872-a8dc042f1c63 |
| creditorAccount | ||||
| account | Mandatory, unless CreditorId is populated | IBAN or account number | Account of the creditor that will receive funds. Can be either an account number or an International Bank Account Number (IBAN). | DK5989000000054321 |
| financialInstitution | Mandatory if CreditorAccount is not an IBAN, and CreditorId is not populated. | Can be either a Bank Identifier Code (BIC) or a National Clearing Code. Supported National Clearing Codes: UK – Sort Code requires prefix with ‘SC’ followed by the 6-digit sort code. US – Fedwire Code requires prefix with ‘FW’ followed by 9-digit Fedwire/ABA. DK - Registration number requires prefix with 'DK' followed by 4-digit Registration number (note that the payment will go through a non-instant rail). 'AU' followed by a 6 digit BSB number | Financial Institution where Creditor Account resides | WIREDEMM or SC123456 |
| country | Mandatory if Creditor Account is not an IBANAnd CreditorId is not populatedOptional otherwise | ISO Country Code | Country of receiver’s bank | DE |
| creditorName | Mandatory if payment targets institutions other than BC | Maximum length: 35. Allowed characters*. Illegal characters** | Legal name of creditor | Beneficiary name |
| creditorAddress | ||||
| line1 | Mandatory if payment targets institutions other than BC | Maximum length: 35. Exceeding this limit will result in truncation. Allowed characters*. Illegal characters** | Line 1 detailing the address of the Creditor | Address line 1 |
| line2 | Optional | Maximum length: 35. Allowed characters*. Illegal characters** | Line 2 detailing the address of the Creditor | Address line 2 |
| line3 | Optional | Maximum length: 35. Allowed characters*. Illegal characters** | Line 3 detailing the address of the Creditor. 3rd address line also referred to as city field. Fill with Country as Alpha 2 ISO 3166-1 and city name with postal code | Address line 3 |
| (coming soon) creditorCountry | Mandatory | ISO Country Code | Country for the Creditor's address. | DE |
| (coming soon) creditorTown | Mandatory | Maximum length: 35. | Town for the Creditor's address. | Berlin |
| clearingNetwork | Optional | Only allowed values: "SEPAINST", "SEPA" or "T2" | Use this parameter to select the payment rail to be used for executing the payment | SEPAINST |
| purposeCode | Conditional | For CNH payments going to China: “GOD”, “STR”, “CTF”,“OTF” or for Wero Refunds | is mandatory for CNH payments going to China or for Wero Refunds | GOD |
| categoryPurposeCode | Conditional | "EPI" | Is mandatory for Wero Refunds | EPI |
| serviceLevels | Optional | Only allowed values: "INST", "NURG", "URGP" | Use this parameter to select the payment rail(s) to be used for executing the payment. You can specify one or more values. | ["INST", "URGP"] |
*Characters allowed
a b c d e f g h i j k l m n o p q r s t u v w x y z
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
0 1 2 3 4 5 6 7 8 9
/ - ? : ( ) . , ' + _
Space**Illegal characters:
- Field only composed of blank characters (space)
- First character is colon (:) or hyphen (-)