1. Partner Operations
Partner API
  • Getting Started
    • Introduction
    • Authentication
    • Business Use Cases
  • API References
    • Partner Operations
      • Balances & Transaction History
        • Get Balances
        • Get Transaction History
        • Create Wallet
      • Currency Exchange
        • Retrieve Exchange Rate
        • Retrieve Exchange Rate and Create a Lock
        • Create and Finalize an Exchange
        • Retrieve Detailed Exchange Information
      • SEPA Transfers
        • Get SEPA Deposit Info
        • Get SEPA Deposit Contact List
        • Create a SEPA Transfer
        • Get SEPA Transfer Details
      • Crypto Withdrawal
        • Get Network Fee
        • Create Crypto Withdrawal
        • Get Crypto Withdrawal Details
      • Crypto Deposits
        • Update Travel Rule
      • Orders
        • Get Rates
        • Retrieve Order Rate and Create a Lock
        • Create and Finalize an Order
        • Get Order Details
      • Payment link & Checkout Link
        • Generate Payment Link
        • Generate Hosted Checkout
        • Get Payment Link Details
    • User Operations
      • Onboarding & KYC Flow
        • Create User Account
        • Method A: Add KYC File
        • Method B: Creating KYC Verification
        • Method B: Redirect to Verification
        • Method B: Get KYC Status
        • Add User Verification
        • Add POA File
      • Account Management
        • Update Existing User
        • Delete User
        • Suspend User
        • Unsuspend User
      • Balances & Transaction History
        • Get User Balances
        • Get User Transaction History
      • Currency Exchange
        • Retrieve Exchange Rate
        • Retrieve Exchange Rate and Create a Lock
        • Create and Finalize an Exchange
        • Retrieve Detailed Exchange Information
      • SEPA Transfers
        • Get SEPA Deposit Info
        • GET SEPA Deposit Contact List
        • Create a SEPA Transfer
        • Get SEPA Transfer Details
      • Crypto Withdrawal
        • Get Network Fee
        • Create Crypto Withdrawal
        • Get Crypto Withdrawal Details
      • Crypto Deposits
        • Update Travel Rule
      • Internal Transfers
        • Create a Transfer
        • Get Transfer Details
      • Virtual Cards
        • Create Virtual Card
        • Get All User Cards
        • Get Card Details
        • Update Card PIN
        • Block Card
        • Unblock Card
        • Get Card Limits
        • Update Card Limits
        • Delete Card
  • Integration
    • SDKs & Integration Guides
    • Transaction Processing
    • Error Handling
    • Rate Limiting
    • Webhooks
      • User & KYC Webhooks
        • User Balance Generation Webhook
        • KYC File Added Webhook
        • POA Verification Status Webhook
        • KYC Verification Status Webhook
        • Create Wallet Webhook
        • High Risk KYC Verification Webhook
      • Transfers & Payments Webhooks
        • Internal Transfer Webhook
        • IBAN Status Webhook
        • Partner SEPA Transfer Webhook
        • User SEPA Transfer Webhook
        • SEPA Deposit Webhook
        • Crypto Withdrawal Webhook
        • Crypto Deposit Webhook
        • Exchange Webhook
        • Card Transaction Webhook
        • Order Status Webhook
        • Payment Link Webhook
      • Card Webhooks
        • Card 3DS Code Webhook
        • Card Activation Code Webhook
  • Reference
    • Supported Countries
    • Supported Currencies
    • Fees
    • FAQ
    • Changelog
    • Support
  1. Partner Operations

SEPA Payouts

This module enables partners to withdraw Euro (EUR) funds from their balance to their own bank account via the SEPA network.

Key Principles#

Partner Withdrawals Only: Partners can withdraw funds exclusively to a bank account held in their own name.
Verification First: A bank account must be verified via an inbound deposit before it can be used for withdrawals.
Closed Loop Safety: This policy ensures funds cannot be sent to unauthorized third parties.

Core Endpoints#

Get Partner SEPA Info
Retrieve the Virtual IBAN and Reference needed for the partner to make a verification deposit.
Get Partner Contact List
Check which bank accounts are currently approved for withdrawals.
Create Partner SEPA Withdrawal
Initiate a withdrawal to a verified bank account.
Get Withdrawal Details
Track the status and outcome of a specific transfer.

Bank Account Verification (Mandatory)#

A partner cannot manually add a withdrawal IBAN. The system automatically captures and verifies bank details from incoming deposits.

Verification Flow#

1.
Display Deposit Data: Call Get Partner SEPA Info. Show the partner:
iban: Where to send money.
title (Reference): Crucial unique code for verification.
2.
Partner Action: The partner sends a small deposit (e.g. 1 EUR) from their bank account using the displayed details.
3.
Automatic Check:
The system compares the Sender Name on the bank transfer with the partner's Verified Name.
✅ Match: The funds are credited, and the sender's IBAN is added to the partner's Whitelist.
❌ Mismatch: The deposit is rejected and returned.
CRITICAL: Mandatory Payment Reference
The partner must include the title (Reference) exactly as-is in their bank transfer. Without this unique code, the system cannot automatically verify the partner's IBAN or credit the funds to their balance.

Withdrawal Logic#

Whitelist Only: Partners can only withdraw to IBANs present in their Contact List with an APPROVED status.
Beneficiary Data: You do not need to send the recipient name in the withdrawal request. The system automatically uses the verified details linked to the IBAN.
Asynchronous: Transfers are scheduled for processing after passing internal risk checks.

Typical Integration Workflow#

1.
Check Status: Call Get Partner Contact List.
2.
Empty List? Prompt the partner to make a verification deposit using details from Get Partner SEPA Info.
3.
Has Contacts? Allow the partner to select one of the verified IBANs.
4.
Execute: Call Create Partner SEPA Withdrawal with the selected destinationIban.
5.
Feedback: Monitor the transaction status via webhooks or Get Withdrawal Details.
Previous
Retrieve Detailed Exchange Information
Next
Get SEPA Deposit Info
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