Making payments with SEPA Instant Credit Transfer (pacs.008 and pacs.002)

This tutorial describes how you can make SEPA Instant Credit Transfer (SCT Inst) payments with the Payments Hub API.

For this tutorial, consider a scenario where a customer is based in Madrid and wants to transfer funds to a relative in Espoo. To do so, they need to initiate an SCT Inst payment, which instantly transfers EUR between European countries. If there are enough funds in the customer's account, the Payments Hub API can be used to transfer the money to the other account. This tutorial describes, in 2 separate sections, how you can first make the SCT Inst payment using the ISO pacs.008 message and then receive a notification whenever the payment status changes, allowing you to retrieve its status using the ISO pacs.002 message.

Note

The instructions in this tutorial apply to the sandbox environment.

Prerequisites

Before obtaining the access token, make sure you have a public-private key pair that you can use to sign JWT Bearer tokens.

Note

• The public key must be created with RSA and sent in PEM format, without password encryption, and must have a length of at least 2048 bits. If these criteria are not met, the token will be rejected.

• If you don't have a public-private key pair yet, you can use a predefined JWT Bearer token in the sandbox with no need to create or sign your own tokens for authentication:

  eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiIsImtpZCI6Ikh1YnRlc3RfcHJvX3NhbmRib3gifQ.eyJzdWIiOiJxTWtaOTBxb0hBTjVJbkE2V2xNYVZBaE41dDhBQWVPeCIsImlzcyI6IlNhbnRhbmRlciIsImlhdCI6MTY2MTMyNzQyNSwibmJmIjoxNjYxMzI3NDI1LCJleHAiOjE2OTI4NjM0MjUsImp0aSI6IjRmMjM0ZmIxLWM3ODAtNGVhNS05YmI5LTBkMTZiYzU3MmFmNyJ9.lz19moa2xSUeBoz4-55qF15CY_LU-1Vb7bh14Q1pGjqR7hEL3OdxK9-EnWSP4eDMivMZWTHOXbFTj9WcH0eiX1u7fNJVVhyWTUqvIfI5Qcpal2j2pQElLe9mv7bytMGPbDpK-9kNqkuNX4J_LB7qLZJtPwSbsFtICORpLrBeMHwqWLRnaFVOMuiMM14CXG31YaKNVphowthVA_21CuE0P5Tl5iIlJIx0MENoq_pbmQpFkuN0VlxW7gv9Zrqo44Vd4TtoZiF4uY-PgbT3JDnbEe5pRa7C4vF-LHrdgfpNW9fjW9kut-ZuyeEIH240t6emstsdtcFAC18TpZjo9HM3sw

• In the sandbox environment, you can use a predefined test SCA JWT Bearer token:

  eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiIsImtpZCI6InByb1BheW1lbnRzSHViU2IifQ.eyJoZCI6IkRIRTlsd0UyVG5uSjlrcXF2SElOMGJLUzhTZTR2RjYyU3dzTk5iQks3cjQ9Iiwibm9uY2UiOiI0MTIyMTU5ZjJmNmZhNTZkNmM3MSIsImFsZyI6IlNIQTI1NiIsImlhdCI6MTcxMjMxMTcyOCwibmJmIjoxNzEyMzExNzI4LCJleHAiOjE3NDM4NDc3MjgsImp0aSI6IjJkYTgyNjUxLTY2ZDUtNDdiMS1hOGUxLTYxMjY2ZmVhMDUwYSJ9.uuVednCUQngpGhf2HoFzrVmIYsl8-l6cp-YuQAYFsVRtWrE00t-wWPN_oh166fWjq5Wg6jvAmbXibxUkJIfqVdP7Rk18vWJQ7Kn10Zc2_rFpIsKIpYP0alVJQg7aNC8QuhMEj57WtNR1iM_WjB349iKS_9Lf0zvTNS2sIOd48H0M_v0HJ1tXbqTTHuZyQcJceVnlidPhCs-n3qZCcTNT5v4gpR612uQ980zynFsGCbbc5WGMvB9pQ2leardq4eyuKtuDVy0rBO79E6prs33wm06oPo34hENhukFjS5q1t5cCeA5TdONWjhdB_8HdLpxTRmltSEFbjfYb61ATrTBHZA

1. Authenticate to get an access token

The Payments Hub API endpoints are protected with OAUTH 2.0 JWT Bearer grant. To use the API, you must create a JWT Bearer token and use it to get an access token:

• To create a JWT Bearer token, see the Appendix in Authentication guide . For a predefined token that you can use in the sandbox for testing purposes, see the Prerequisites in Authentication guide .

• For detailed instructions on how to get the access token, see Authentication guide .

2. Submit the payment

This section describes how to submit a payment via a pacs.008 HTTP request to the Payments Hub API. It also illustrates a successful response.

Request

Create and send a request using the following operation:

POST https://sandbox.apis.santander.com/payments/pacs008/v08

Headers

The request must contain the headers shown in the following table.

Table: Submit the payment - Required request headers

Request body

The request must include a JSON payload object in the request body. The JSON payload is a pacs.008 ISO message with the fitoFICstmrCdtTrf root element, and it contains the request details for submitting a payment.

The following table only provides information about some especially important fields. For details on all the required and optional message fields, see Message field definition for pacs.008 .

Table: Submit the payment - Relevant request body elements

Example request body:

{
    "fitoFICstmrCdtTrf": {
        "grpHdr": {
            "msgId": "MsgId-6521299236",
            "creDtTm": "2021-02-03T04:05:06.000Z",
            "nbOfTxs": "1",
            "sttlmInf": {
                "sttlmMtd": "CLRG"
            }
        },
        "cdtTrfTxInf": [
            {
                "pmtId": {
                    "endToEndId": "pacs008-endToEndId",
                    "txId": "82702200d5714d869f9fdc51b4b93f8b"
                },
                "pmtTpInf": {
                    "svcLvl": [
                        {
                            "prtry": "SCT_INST"
                        }
                    ]
                },
                "intrBkSttlmAmt": {
                    "value": 1.0,
                    "ccy": "EUR"
                },
                "intrBkSttlmDt": "2021-10-28",
                "chrgBr": "SLEV",
                "dbtr": {
                    "nm": "pacs008-debtorName",
                    "pstlAdr": {
                        "ctry": "ES",
                        "adrLine": [
                            "Somewhere in Madrid"
                        ]
                    }
                },
                "dbtrAcct": {
                    "id": {
                        "iban": "ES9300492060833000002503"
                    }
                },
                "dbtrAgt": {
                    "finInstnId": {
                        "bicfi": "EBURESM1XXX"
                    }
                },
                "cdtrAgt": {
                    "finInstnId": {
                        "bicfi": "BSCHESMMXXX"
                    }
                },
                "cdtr": {
                    "nm": "pacs008-creditorrName"
                },
                "cdtrAcct": {
                    "id": {
                        "iban": "FI9580002811571214"
                    }
                },
                "rmtInf": {
                    "ustrd": [
                        "FAKE:ACCP:IT00"
                    ]
                }
            }
        ]
    }
}

Request example

The following example illustrates the request using raw HTTP code:

POST /payments/pacs008/v08 HTTP/1.1
Host: sandbox.apis.santander.com
Content-Type: application/json
Authorization: Bearer YOUR_ACCESS_TOKEN
X-Santander-Client-Id: YOUR_CLIENT_ID
sca-token: eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiIsImtpZCI6InByb1BheW1lbnRzSHViU2IifQ.eyJoZCI6IkRIRTlsd0UyVG5uSjlrcXF2SElOMGJLUzhTZTR2RjYyU3dzTk5iQks3cjQ9Iiwibm9uY2UiOiI0MTIyMTU5ZjJmNmZhNTZkNmM3MSIsImFsZyI6IlNIQTI1NiIsImlhdCI6MTcxMjMxMTcyOCwibmJmIjoxNzEyMzExNzI4LCJleHAiOjE3NDM4NDc3MjgsImp0aSI6IjJkYTgyNjUxLTY2ZDUtNDdiMS1hOGUxLTYxMjY2ZmVhMDUwYSJ9.uuVednCUQngpGhf2HoFzrVmIYsl8-l6cp-YuQAYFsVRtWrE00t-wWPN_oh166fWjq5Wg6jvAmbXibxUkJIfqVdP7Rk18vWJQ7Kn10Zc2_rFpIsKIpYP0alVJQg7aNC8QuhMEj57WtNR1iM_WjB349iKS_9Lf0zvTNS2sIOd48H0M_v0HJ1tXbqTTHuZyQcJceVnlidPhCs-n3qZCcTNT5v4gpR612uQ980zynFsGCbbc5WGMvB9pQ2leardq4eyuKtuDVy0rBO79E6prs33wm06oPo34hENhukFjS5q1t5cCeA5TdONWjhdB_8HdLpxTRmltSEFbjfYb61ATrTBHZA
Content-Length: 2046

{
    "fitoFICstmrCdtTrf": {
        "grpHdr": {
            "msgId": "MsgId-6521299236",
            "creDtTm": "2021-02-03T04:05:06.000Z",
            "nbOfTxs": "1",
            "sttlmInf": {
                "sttlmMtd": "CLRG"
            }
        },
        "cdtTrfTxInf": [
            {
                "pmtId": {
                    "endToEndId": "pacs008-endToEndId",
                    "txId": "82702200d5714d869f9fdc51b4b93f8b"
                },
                "pmtTpInf": {
                    "svcLvl": [
                        {
                            "prtry": "SCT_INST"
                        }
                    ]
                },
                "intrBkSttlmAmt": {
                    "value": 1.0,
                    "ccy": "EUR"
                },
                "intrBkSttlmDt": "2021-10-28",
                "chrgBr": "SLEV",
                "dbtr": {
                    "nm": "pacs008-debtorName",
                    "pstlAdr": {
                        "ctry": "ES",
                        "adrLine": [
                            "Somewhere in Madrid"
                        ]
                    }
                },
                "dbtrAcct": {
                    "id": {
                        "iban": "ES9300492060833000002503"
                    }
                },
                "dbtrAgt": {
                    "finInstnId": {
                        "bicfi": "EBURESM1XXX"
                    }
                },
                "cdtrAgt": {
                    "finInstnId": {
                        "bicfi": "BSCHESMMXXX"
                    }
                },
                "cdtr": {
                    "nm": "pacs008-creditorrName"
                },
                "cdtrAcct": {
                    "id": {
                        "iban": "FI9580002811571214"
                    }
                },
                "rmtInf": {
                    "ustrd": [
                        "FAKE:ACCP:IT00"
                    ]
                }
            }
        ]
    }
}

Response

If the request is valid, you receive an HTTP 201 Created response, which means that the payment was successfully submitted. In addition, the response body returns the data JSON object, which contains details of the submitted payment. If the request is submitted again with the same message ID, you receive an HTTP 200 OK response. For further details of HTTP response codes and instructions on how to handle errors, see HTTP codes and request error handling .

The following table shows the response body elements that are relevant for the current use case. For details on all the response body elements, see Message field definition for pacs.008 .

Extract the value of the paymentsHubId key, as you'll need it in the next section.

Table: Submit the payment - Relevant response body elements

Example response body:

{
    "data": {
        "paymentsHubId": "ea7d7d9c-786f-380e-b287-9ea483189e6f",
        "paymentId": "MsgId-6521299236",
        "status": "PENDING",
        "creationDateTime": "2022-06-09T07:24:25.492534"
    }
}

3. Check the payment status

This section describes how to check the payment status after submitting a payment, via a pacs.002 HTTP request to the Payments Hub API. To send this request, you need to provide the Payments Hub ID that you received in the response to the pacs.008 request sent in the previous section, or that was provided in the notification. For information, see Notifications . This section also illustrates a successful response.

Note

Notifications are not used in the sandbox environment.

Request

Create and send a request using the following operation:

GET https://sandbox.apis.santander.com/payments/pacs002/v10/{paymentsHubId}

Headers

The request must contain the headers shown in the following table.

Table: Check the payment status - Required request headers

Parameters

The request must contain the path parameters shown in the following table.

Table: Check the payment status - Request parameters

Request example

The following example illustrates the request using raw HTTP code:

GET /payments/pacs002/v10/YOUR_PAYMENTS_HUB_ID HTTP/1.1
Host: sandbox.apis.santander.com
Authorization: Bearer YOUR_ACCESS_TOKEN
X-Santander-Client-Id: YOUR_CLIENT_ID

Response

If the request is valid, you receive an HTTP 200 OK response, which means that the payment status was successfully retrieved. For further details of HTTP response codes and instructions on how to handle errors, see HTTP codes and request error handling .

In addition to the response code, the response body returns the fitoFIPmtStsRpt JSON object, which contains a pacs.002 ISO message.

The following table shows the response body elements that are relevant for the current use case. For details on all the response body elements, see Message field definition for pacs.002 .

Extract the value of the txInfAndSts.txSts key to see the current status of the payment.

Table: Check the payment status - Relevant response body elements

Example response body:

{
    "fitoFIPmtStsRpt": {
        "grpHdr": {
            "msgId": "ad531f092ff24421afa129c2e53897c7",
            "creDtTm": "2022-06-09T07:24:25.502Z"
        },
        "txInfAndSts": [
            {
                "orgnlGrpInf": {
                    "orgnlMsgId": "MsgId-6521299236",
                    "orgnlMsgNmId": "pacs.008.001.08"
                },
                "orgnlEndToEndId": "pacs008-endToEndId",
                "orgnlTxId": "82702200d5714d869f9fdc51b4b93f8b",
                "txSts": "ACCC",
                "stsRsnInf": [
                    {
                        "addtlInf": [
                            null,
                            null,
                            "SCT_INST:82702200d5714d869f9fdc51b4b93f8b",
                            null
                        ]
                    }
                ],
                "orgnlTxRef": {
                    "pmtTpInf": {
                        "svcLvl": [
                            {
                                "prtry": "SCT_INST"
                            }
                        ]
                    },
                    "rmtInf": {
                        "strd": [
                            {
                                "addtlRmtInf": [
                                    "82702200d5714d869f9fdc51b4b93f8b"
                                ]
                            }
                        ]
                    }
                }
            }
        ]
    }
}

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