The endpoint is used to initiate multiple payments in a single request using a CSV file. Read more about Bulk Payments. The endpoint accepts up to 500,000 payments per file.

The content type for bulk payments is multipart/form-data.

Content specifications header

Parameter	Required	Allowed input	Description	Example
X-Content-type	Optional	text/csvv0	Specifying content type. Currently supported type is "text/csvv0"	text/csvv0
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
X-Channel	Optional	channel/api	Channel reference of the payment	channel/api
ProceedWithErrors	Optional	true or false	Allow Bulk payment to be partially accepted. Read more about partial bulk processing here . Default: false	false
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

For the bulk payments only CSV files are accepted as body content. Optional fields may be left empty, but not skipped. Insert the comma as when you separate populated fields. Each payment should be on its own line. The content and format of the file is specified in the below table.

Field	Parameter	Required	Allowed input	Description	Example
1	Debtor Customer ID	Mandatory (for technical reasons)	9-digit Numeric	Customer ID for the debtor account. Field is not utilised, but needs to be populated with a value to ensure that file is read properly	999999999
2	Debtor Account	Mandatory	IBAN	Account from which you want funds debited	DK4789000000012345
3	Debtor Account Branch Code	Optional	10	The bank branch for the debtor account is always 010	10
4	Debtor Account Currency	Optional	Alphabetic	The currency for the debtor account populated in field 2	EUR
5	Amount	Mandatory	Must be larger than zero. Separators can not be included	Instructed amount	Valid examples (GBP): 100 or 100. or 100.00. Invalid examples (GBP): 1,100 or 1,100.00 or 1100.000
6	Currency of Transfer	Mandatory	Alphabetic. Format of Alpha 3 ISO 4217	Currency of the amount that will be transferred to the creditor	EUR
7	Requested Execution Date	Mandatory	DDMMYYYY	The date on which you would like your payment to be processed and debited on your Debtor Account. The date must be current date within currency cut off or future Value date	25012022
8	Payment Type	Optional	A	'A' (for ad-hoc/general payment type)	A
9	Creditor Name	Mandatory if payment targets institutions other than BC	Maximum length: 35 . Allowed characters. Illegal characters*	Name of the creditor that will receive funds	Company A
10	Creditor Account	Mandatory	IBAN or Account no.	Account of the creditor that will receive funds. Can be either an account number or an International Bank Account Number (IBAN)	Examples: IBAN: DK5989000000054321 Account number: 0000054321
11	Transfer Mode	Optional	S	'S' for SWIFT	S
12	Creditor Account Financial Institution	Conditional: Mandatory if Creditor Account is not an IBAN. Optional otherwise	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 code.	Financial Institution where Creditor Account reside. Can be either a Bank Identifier Code (BIC) or a National Clearing Code	Example BIC: SXPYDKKKXXX. National clearing codes: SC123456FW123456789
13	Beneficiary e-mail	Optional	E-mail	Email of the beneficiary. The field does not carry additional functionality	xxx@BCConnect.com
14	Remittance Information Line 1	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 in this field.	Free text field
15	Remittance Information Line 2	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
16	Remittance Information Line 3	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
17	Remittance Information Line 4	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
18	Charge Bearer	Mandatory	"SHA", "BEN" or "OUR"	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
19	Debtor Narrative to Self	Optional	Maximum length: 35. Allowed characters*	Dual purpose: Internal reference for client OR Virtual International Bank Account Number (VIBAN): the IBAN of one of your VIBANs	Free text field
20	Narrative for Creditor	Optional	Maximum length: 35. Allowed characters*	Additional narrative. The field has no functional impact and not included in reporting.	Free text field
21	Amount Currency	Mandatory	Alphabetic	Currency of the Amount Amount Currency must match one of Debtor Account Currency. Example: I would like 100 EUR from my EUR account sent to Creditor Account in GBP (currency of transfer). Currency of transfer. Example: I want to withdraw from my EUR account what is required to pay my invoice of exactly 100 GBP (Currency of transfer) to Creditor Account	GBP
22	Debtor Reference	Conditional: Mandatory when using the Payment Sender Reference solution, optional otherwise	Maximum length: 35. Allowed characters*	Debtor own reference. Own reference which can be used for own reconciliation. When using the Payment Sender Reference solution: use this field to include your customer's unique identifier. It must be a static ID uniquely linked to each debtor i.e. phone number or account number.' It is used for transaction monitoring of payer payments and behaviour.	Debtor reference from your system
23	Creditor Address Line 1	Conditional*** Mandatory if payment targets other institutions than BC	Maximum length: 35. Allowed characters. Illegal characters*	Line 1 detailing the address of the Creditor. Mandatory: Only for payment targeting other institutions than BC	Free text field
24	Creditor Address Line 2	Optional***	Maximum length: 35. Allowed characters. Illegal characters*	Line 2 detailing the address of the Creditor	Free text field
25	Creditor Address Line 3	Optional***	Maximum length: 35. Allowed characters. Illegal characters*	Line 3 detailing the address of the Creditor3rd address line also referred to as city field. Fill with country/city name with postal code.	Examples: DK - 2900 Hellerup or GB - London EC2M 4AY
26	Intracompany	Optional	N	'N' can be used	N
27	Clearing Network	Optional	Only allowed values: "SEPAINST", "SEPA" or "T2"	Use this parameter to select the payment rail to be used for executing the payment	SEPAINST
28	Purpose Code	Optional	Only allowed values: “GOD”, “STR”, “CTF” or “OTF”	Purpose code is mandatory for CNH payments going to China	GOD
29	Prioritized Clearing Networks	Optional	“SEPAINST, T2", “SEPAINST\|T2" or "SEPAINST"	Allows you to specify which payment rails to use, in your preferred order. This option overrides our default logic, with no automatic fallback to other networks	“SEPAINST,T2"
30	Purpose category code	Optional	String	Category code for payment purpose - coming soon.
31	Ultimate Debtor Name	Mandatory	String	Your customer's name
32	Ultimate Debtor Address Line 1	Mandatory	String	Your customer's address
33	Ultimate Debtor Address Line 2	Optional	String	Your customer's state and post code
34	Ultimate Debtor Address Line 3	Optional	String	Your customer's ISO country code
35	Client Customer Id	Mandatory	String	Your customer's unique identifier. This field must have a static ID uniquely linked to each debtor for utilisation for transaction monitoring of payer payments and behaviour, i.e. phone number or account number. Same same as PAIN.001 or PACS.008 tag `<InstrForDbtrAgt>`.
36	Ultimate Debtor Financial Institution	Mandatory	String	BIC or name of the financial institution servicing the ultimate debtor.

After initiating a payment

Upon successfully sending a payment, you will receive a response containing the payment's ID and initial status. An example response is provided below:

{  
  "paymentBulkId": "3fa85f64-5717-4562-b3fc-2c963f66afa6",  
  "status": "PendingProcessing"  
}

Duplicate Check

The system keeps a hash of submitted bulk payment files for 100 days to prevent duplicate processing:

Identical files are rejected - Same content will be rejected even with different filenames
Modified content is accepted - Changing any character in the file will pass the duplicate check
Renaming files doesn't work - Simply changing the filename with identical content will be rejected

Error message: Duplicate submissions return "DuplicateFileUpload"