Initiate FI to FI Customer Credit Transfer

POST 
/v1/payaway/funds-controller

Initiate a FI to FI Customer Credit Transfer (pacs.008) via the Verto Funds Controller.

On success, a 202 Accepted response is returned immediately. Verto processes the payment asynchronously — listen for the Transaction Notification Payaway (v1) webhook to receive the pacs.008 credit transfer notification, and Transaction Status Notification Payaway (v1) for pacs.002 status updates.

Supporting documentation

The Verto Funds Controller always requires supporting documentation. Call Initiate a supporting document upload first to obtain an upload URL and ExternalReference key before submitting this request.

Verto-specific field requirements

The following fields in CdtTrfTxInf[*] are required or consumed by the Verto adapter in addition to the base ISO 20022 schema:

• Cdtr.Id.OrgId.Othr[0].Id — the Verto beneficiary reference obtained from GET /v2/creditors.

• InstgAgt.FinInstnId.Othr.Id — the Verto wallet reference for the instructing agent.

• UltmtDbtr.Id — the ultimate debtor identifier must be present.

• InitgPty.PstlAdr.Ctry — initiating party postal country must be provided.

• For individual senders (Dbtr with PrvtId):

  • PrvtId.Othr[0].Issr — nationality of the sender.
  • PrvtId.DtAndPlcOfBirth.BirthDt — date of birth of the sender.

• For company senders (Dbtr with OrgId):

  • OrgId.Othr[0].Issr — country of registration of the sender company.

• RmtInf.Strd[0].RfrdDocInf[0].Nb — required. The ExternalReference key returned by Initiate a supporting document upload.

Amount precision

IntrBkSttlmAmt must not exceed 13 integer digits. The number of fractional digits must not exceed the lower of 5 or the standard decimal places for the settlement currency (e.g. JPY accepts 0, USD accepts 2, EUR accepts 2).

Purpose codes

The CdtTrfTxInf[*].Purp.Prtry field must contain one of the following values:

Code	Description
GDDS	Purchase of Goods
SERV	Purchase of Professional Services
FEES	Professional Fees Payment
SALA	Payroll / Personnel Payment
LOAN	Payment for Loan or Deposit
BEXP	Bill Payment
R&DV	Research and Development
FAMT	Payment Family Assistance
HLTC	Medical Assistance
COMC	Remittance of Funds from E-Commerce
ROYT	IP / Trademark / Patent Work
TRVL	Travel / Hospitality
SECU	Investment
INTC	Internal Company Transfer

DEPT (Wallet Top Up) is not supported. If Purp.Prtry is omitted or unrecognised, the code defaults to INTC (Internal Company Transfer).

Request

Responses

202

Accepted

400

Bad Request