Qwist Payments API

openapi: 3.2.0
info:
  title: nrich Payments API
  version: '2.10'
  contact:
    name: Qwist GmbH
    email: partnersupport@qwist.com
    url: https://qwist.com
  description: This is the reference for Qwist's nrich API
servers:
- url: https://api.nrich.qwist.cloud
  description: Staging environment
tags:
- name: Payments
paths:
  /rest/accounts/{account-id}/payments:
    post:
      summary: Create payment from account
      operationId: createPaymentFromAccount
      description: Create a new payment from a previously connected account as the source. In order to initiate the payment it has to be submitted to the payment service provider.
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0'
      - $ref: '#/paths/~1auth~1user/post/parameters/0'
      requestBody:
        content:
          application/json:
            schema:
              allOf:
              - type: object
                properties:
                  type:
                    $ref: '#/paths/~1rest~1payments/post/requestBody/content/application~1json/schema/allOf/0/properties/type'
                required:
                - amount
                - creditor
                - purpose
              - allOf:
                - $ref: '#/paths/~1verify-and-pay/post/requestBody/content/application~1json/schema/allOf/1/properties/payment/allOf/0'
                - type: object
                  properties:
                    iban:
                      deprecated: true
                      $ref: '#/paths/~1uploads/post/requestBody/content/application~1json/schema/properties/accounts/items/properties/iban'
                      description: Replaced by `creditor.iban`
                    name:
                      deprecated: true
                      type: string
                      example: John Doe
                      description: Replaced by `creditor.name`
      responses:
        '201':
          description: Payment details.
          content:
            application/json:
              schema:
                allOf:
                - $ref: '#/paths/~1rest~1payments/post/responses/201/content/application~1json/schema'
                - type: object
                  properties:
                    currency:
                      deprecated: true
                      $ref: '#/paths/~1rest~1loans~1{loan-id}/get/responses/200/content/application~1json/schema/properties/currency'
                      description: Replaced by `amount.currency`.
                    iban:
                      deprecated: true
                      $ref: '#/paths/~1uploads/post/requestBody/content/application~1json/schema/properties/accounts/items/properties/iban'
                      description: Replaced by `creditor.iban`.
                    name:
                      deprecated: true
                      type: string
                      example: John Doe
                      description: Replaced by `creditor.name`.
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
    get:
      summary: List payments of account
      operationId: listPaymentsOfAccount
      description: List all payments associated to a specific account.
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0'
      - $ref: '#/paths/~1rest~1accesses/get/parameters/0'
      - $ref: '#/paths/~1catalog/get/parameters/0'
      - $ref: '#/paths/~1auth~1users/get/parameters/0'
      - $ref: '#/paths/~1auth~1users/get/parameters/1'
      - $ref: '#/paths/~1rest~1payments/get/parameters/5'
      responses:
        '200':
          description: List of payments.
          content:
            application/json:
              schema:
                type: object
                properties:
                  payments:
                    type: array
                    items:
                      $ref: '#/paths/~1rest~1payments/post/responses/201/content/application~1json/schema'
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
  /rest/accounts/{account-id}/payments/{payment-id}:
    get:
      summary: Get payment of account
      operationId: getPaymentOfAccount
      description: Retrieve the details of a payment from the given account. The `status`, `challenge` and `error` fields are used in the same way as for synchronization operations when the payment is issued to the service provider.
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0'
      - $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/parameters/0'
      - $ref: '#/paths/~1rest~1accesses/get/parameters/0'
      - $ref: '#/paths/~1catalog/get/parameters/0'
      - $ref: '#/paths/~1rest~1payments/get/parameters/5'
      responses:
        '200':
          $ref: '#/paths/~1rest~1accounts~1{account-id}~1payments/post/responses/201'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
    delete:
      summary: Delete a payment
      operationId: deletePayment
      description: Delete a payment from the finX API backend.
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0'
      - $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/parameters/0'
      responses:
        '204':
          $ref: '#/paths/~1rest~1user/delete/responses/204'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
  /rest/accounts/{account-id}/payments/{payment-id}/init:
    post:
      summary: Initiate a payment of account
      deprecated: true
      operationId: initPaymentOfAccount
      description: 'Initiate a payment by sending it to the payment service provider. The payment is executed as an asynchronous background operation. The status of this operation can be monitored by polling the payment and and tracking the `status` field.

        **Deprecated** in favour of init payment endpoint.'
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0'
      - $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/parameters/0'
      - $ref: '#/paths/~1auth~1user/post/parameters/0'
      requestBody:
        $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/requestBody'
      responses:
        '201':
          $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/responses/201'
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
  /rest/accounts/{account-id}/payments/{payment-id}/init/{init-id}:
    get:
      summary: Get payment initiation status of account
      deprecated: true
      operationId: getPaymentInitStatusOfAccount
      description: '**Deprecated** in favour of payment status endpoint.'
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0'
      - $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/parameters/0'
      - $ref: '#/paths/~1rest~1payments~1{payment-id}~1init~1{init-id}/get/parameters/1'
      responses:
        '200':
          $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/responses/201'
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
  /rest/payments:
    post:
      summary: Create payment
      operationId: createPayment
      description: The creation of a standalone payment is useful in situations where the account and transaction data is not of interest. This endpoint can be used with either `user_auth` or `client_auth`, but only in the case of `user_auth` the login information can be securely saved on the finX platform and can be used for subsequent payment operations.
      tags:
      - Payments
      security:
      - user_auth: []
      - client_auth: []
      requestBody:
        content:
          application/json:
            schema:
              allOf:
              - type: object
                properties:
                  type:
                    type: string
                    enum:
                    - SEPA transfer
                    - SEPA_TRANSFER
                    - SEPA_INSTANT_TRANSFER
                    example: SEPA transfer
                    description: Type of a payment.
                required:
                - amount
                - creditor
                - debtor
                - purpose
              - allOf:
                - type: object
                  properties:
                    debtor:
                      $ref: '#/paths/~1payment-receipts~1{receipt-id}/get/responses/200/content/application~1json/schema/allOf/2/properties/debtor'
                - $ref: '#/paths/~1verify-and-pay/post/requestBody/content/application~1json/schema/allOf/1/properties/payment/allOf/0'
      responses:
        '201':
          description: Payment details.
          content:
            application/json:
              schema:
                allOf:
                - type: object
                  properties:
                    account_id:
                      $ref: '#/paths/~1rest~1accounts~1{account-id}/get/parameters/0/schema'
                    payment_id:
                      $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/parameters/0/schema'
                    type:
                      $ref: '#/paths/~1rest~1payments/post/requestBody/content/application~1json/schema/allOf/0/properties/type'
                - $ref: '#/paths/~1rest~1payments/post/requestBody/content/application~1json/schema/allOf/1'
                - type: object
                  properties:
                    provider:
                      $ref: '#/paths/~1rest~1catalog~1banks/get/responses/200/content/application~1json/schema/items/allOf/0/allOf/1'
                      description: The details of the provider associated to the debtor account.
                    access_method:
                      $ref: '#/paths/~1rest~1catalog~1banks/get/responses/200/content/application~1json/schema/items/allOf/0/allOf/0/properties/access_methods/items'
                      description: The details of the access method associated to the debtor account. The `access_method.credentials`-field shows the required input-fields that have to be provided when initiating the payment.
                - type: object
                  properties:
                    created_at:
                      $ref: '#/paths/~1rest~1accesses/get/responses/200/content/application~1json/schema/items/properties/created_at'
                    modified_at:
                      $ref: '#/paths/~1rest~1loans~1{loan-id}/get/responses/200/content/application~1json/schema/properties/modified_at'
                    submitted_at:
                      description: Timestamp of submission to the bank server. `null` if payment has not been submitted yet.
                      example: '2026-04-01T08:10:00.000+00:00'
                      type: string
                      format: date-time
                required:
                - account_id
                - payment_id
                - type
                - amount
                - creditor
                - debtor
                - purpose
                - provider
                - access_method
                - created_at
                - modified_at
                - submitted_at
                - currency
                - name
                - iban
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
    get:
      summary: List payments
      operationId: listPayments
      description: View not payments as stored in the finX API backend.
      tags:
      - Payments
      security:
      - user_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1timeline/get/parameters/5'
      - $ref: '#/paths/~1rest~1accesses/get/parameters/0'
      - $ref: '#/paths/~1catalog/get/parameters/0'
      - $ref: '#/paths/~1auth~1users/get/parameters/0'
      - $ref: '#/paths/~1auth~1users/get/parameters/1'
      - in: query
        name: cents
        schema:
          type: boolean
          default: false
        example: true
        description: If `true` amounts will be shown in cents.
      responses:
        '200':
          description: List of payments.
          content:
            application/json:
              schema:
                type: object
                properties:
                  payments:
                    type: array
                    items:
                      $ref: '#/paths/~1rest~1accounts~1{account-id}~1payments/post/responses/201/content/application~1json/schema'
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
  /rest/payments/{payment-id}/init:
    post:
      summary: Initiate a payment
      operationId: initPayment
      description: Initiate a payment by submitting it to the payment service provider. The payment initiation is executed as an asynchronous background operation. The state of this operation can be monitored polling the initiation status.
      tags:
      - Payments
      security:
      - user_auth: []
      - client_auth: []
      parameters:
      - name: payment-id
        in: path
        required: true
        schema:
          type: string
          example: P12345.6
          description: nrich ID of the payment.
      - $ref: '#/paths/~1auth~1user/post/parameters/0'
      requestBody:
        content:
          application/json:
            schema:
              type: object
              properties:
                credentials:
                  $ref: '#/paths/~1rest~1accesses/post/requestBody/content/application~1json/schema/properties/credentials'
                save_secrets:
                  type: boolean
                  description: Indicates whether the confidential parts of the credentials should be saved for future payment operations. If set to `false` previously saved secrets are discarded at the end of the payment operation. This can only be used if the payment is initiated with `user_auth`.
                redirect_uri:
                  $ref: '#/paths/~1rest~1accesses~1{access-id}~1syncs/post/requestBody/content/application~1json/schema/properties/redirect_uri'
                state:
                  $ref: '#/paths/~1rest~1notifications~1{notification-id}/put/requestBody/content/application~1json/schema/properties/state'
                reuse_auth_method:
                  type: boolean
                  example: false
                  default: true
                  description: 'Indicates whether the last selected authentication **method** should be re-used for this payment initiation. This minimizes the amount of challenges that have to be solved in the course of the payment initiation.

                    '
                reuse_auth_medium:
                  type: boolean
                  example: false
                  default: true
                  description: 'Indicates whether the last selected authentication **medium** should be re-used for this payment initiation. This minimizes the amount of challenges that have to be solved in the course of the payment initiation.

                    '
                psu_ip:
                  type: string
                  format: IP
                  description: 'The IP address of the end-user for whom the payment is initiated. This might be required by the provider. It is advised to provide this value whenever possible.

                    '
              required:
              - state
      responses:
        '201':
          description: Payment initiation status.
          content:
            application/json:
              schema:
                type: object
                description: A handle to refer to the processing of an initiated payment.
                properties:
                  id:
                    $ref: '#/paths/~1rest~1payments~1{payment-id}~1init~1{init-id}/get/parameters/1/schema'
                  status:
                    $ref: '#/paths/~1uploads/post/responses/200/content/application~1json/schema/properties/status'
                  state:
                    type: string
                    description: The `state` that was being provided in the request when initiating the payment.
                  challenge:
                    $ref: '#/paths/~1rest~1accesses~1{access-id}~1syncs~1{sync-id}~1challenges~1{challenge-id}/get/responses/200/content/application~1json/schema'
                  error:
                    $ref: '#/paths/~1rest~1accesses~1{access-id}~1syncs/post/responses/201/content/application~1json/schema/properties/error'
                  created_at:
                    $ref: '#/paths/~1uploads/post/responses/200/content/application~1json/schema/properties/ended_at'
                    description: Time at which the payment initiation was created.
                  started_at:
                    $ref: '#/paths/~1uploads/post/responses/200/content/application~1json/schema/properties/ended_at'
                    description: Time at which the payment initiation was started. Will be omitted as long as the payment initiation job is still in the `QUEUED` state.
                    example: '2019-08-31T12:13:11.000Z'
                  ended_at:
                    $ref: '#/paths/~1uploads/post/responses/200/content/application~1json/schema/properties/ended_at'
                    description: Time at which the payment initiation was ended. Will be omitted as log as the payment initiation is not in the `COMPLETED` state.
                    example: '2019-08-31T12:13:45.000Z'
                required:
                - id
                - created_at
                - status
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
  /rest/payments/{payment-id}/init/{init-id}:
    get:
      summary: Get payment initiation status
      operationId: getPaymentInitStatus
      tags:
      - Payments
      security:
      - user_auth: []
      - client_auth: []
      parameters:
      - $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/parameters/0'
      - name: init-id
        in: path
        required: true
        schema:
          type: string
          format: UUID
          example: 9054f9b1-0d19-4788-a990-b493d5723419
          description: nrich ID of the payment initiation.
      responses:
        '200':
          $ref: '#/paths/~1rest~1payments~1{payment-id}~1init/post/responses/201'
        '400':
          $ref: '#/paths/~1rest~1user/put/responses/400'
        '401':
          $ref: '#/paths/~1catalog/get/responses/401'
        '404':
          $ref: '#/paths/~1auth~1token/post/responses/404'
components:
  securitySchemes:
    user_auth:
      type: http
      description: 'In order to access any information belonging to a user, a client has to authenticate with a token linking itself to the user.  This token is called an `access token` and contains information on the client, the user and the level of access the client has to the users data. In order to authenticate using such an access token the HTTP header `Authorization` is set to `Bearer <access token>`. The  `access token` is formatted

        as a JSON Web Token according to [RFC7519](https://tools.ietf.org/html/rfc7519)


        Such an `access token` is either returned when


        * exchanging an authorization code after a successful OAuth login flow

        * logging in with the user''s credentials

        * exchanging a refresh token, which is returned at either of the aforementioned points


        **Authentication errors**


        In case of an authentication error a HTTP code 401 response is returned containing further

        details on the kind of error in the `WWW-Authenticate` header.


        In addition to the below listed scope the flags are used for simple boolean permissions.


        | Flag            | Description                                  |

        | --              | --                                           |

        | submit_payments | Allow submission of payments to bank server  |

        | offline         | Access finX API when the user is not present |

        | create_user     | Allow creation of finX accounts              |


        **Example**


        The string `"accounts=rw submit_payments"` is URL-encoded and passed as the URL

        parameter `scope`.'
      scheme: bearer
      bearerFormat: JWT
      x-bearerInfoFunc: app.decode_token
      x-scopes:
        accounts=rw: Modify accounts
        accounts=ro: Read accounts
        balance=ro: Read account balance
        securities=ro: Read securities
        transactions=ro: Read transactions
        transactions=rw: Modify transactions
        payments=ro: Read payments
        payments=rw: Create/modify payments
        submit_payments: Submit payment to service provider
        user=ro: Read user information
        user=rw: Modify user information
    client_auth:
      x-basicInfoFunc: app.basic_auth
      type: http
      scheme: basic
      description: Client authentication is performed via [HTTP Basic Auth](https://en.wikipedia.org/wiki/Basic_access_authentication) with client ID as username and client secret as password.
x-provenance:
  method: searched
  source: https://docs.qwist.com/reference
  harvested: '2026-10-21'
  tool: harvest-readme-openapi.py
  note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
  assembled_from:
  - https://docs.qwist.com/reference/addprovideraccess.md
  - https://docs.qwist.com/reference/categorizetransactions.md
  - https://docs.qwist.com/reference/createaccesstoken.md
  - https://docs.qwist.com/reference/createaccountverification.md
  - https://docs.qwist.com/reference/createcontract.md
  - https://docs.qwist.com/reference/createincomereport.md
  - https://docs.qwist.com/reference/createmanualsync.md
  - https://docs.qwist.com/reference/createnotification.md
  - https://docs.qwist.com/reference/createonetimeaccess.md
  - https://docs.qwist.com/reference/createonetimeincomereport.md
  - https://docs.qwist.com/reference/createonetimepayment.md
  - https://docs.qwist.com/reference/createonetimeriskreport.md
  - https://docs.qwist.com/reference/createongoingaccess.md
  - https://docs.qwist.com/reference/createongoingpayment.md
  - https://docs.qwist.com/reference/createongoingriskreport.md
  - https://docs.qwist.com/reference/createpayment.md
  - https://docs.qwist.com/reference/createpaymentfromaccount.md
  - https://docs.qwist.com/reference/createqwistlink.md
  - https://docs.qwist.com/reference/createriskreport.md
  - https://docs.qwist.com/reference/createsync.md
  - https://docs.qwist.com/reference/createupload.md
  - https://docs.qwist.com/reference/createuser.md
  - https://docs.qwist.com/reference/createverifyandpay.md
  - https://docs.qwist.com/reference/deleteaccount.md
  - https://docs.qwist.com/reference/deleteclientuser.md
  - https://docs.qwist.com/reference/deletecontract.md
  - https://docs.qwist.com/reference/deletenotification.md
  - https://docs.qwist.com/reference/deletepayment.md
  - https://docs.qwist.com/reference/deleteprovideraccess.md
  - https://docs.qwist.com/reference/deleteuser.md
  - https://docs.qwist.com/reference/getaccount.md
  - https://docs.qwist.com/reference/getaccountbalance.md
  - https://docs.qwist.com/reference/getaccountverificationreceipt.md
  - https://docs.qwist.com/reference/getandgenerateincomereport.md
  - https://docs.qwist.com/reference/getartifact.md
  - https://docs.qwist.com/reference/getcategories.md
  - https://docs.qwist.com/reference/getcategoriesforaccess.md
  - https://docs.qwist.com/reference/getcategoriesforaccount.md
  - https://docs.qwist.com/reference/getcategorytree.md
  - https://docs.qwist.com/reference/getcontract.md
  - https://docs.qwist.com/reference/getcredential.md
  - https://docs.qwist.com/reference/getincomereport.md
  - https://docs.qwist.com/reference/getinsurance.md
  - https://docs.qwist.com/reference/getloan.md
  - https://docs.qwist.com/reference/getnotification.md
  - https://docs.qwist.com/reference/getpaymentchallenge.md
  - https://docs.qwist.com/reference/getpaymentchallengeofaccount.md
  - https://docs.qwist.com/reference/getpaymentinitstatus.md
  - https://docs.qwist.com/reference/getpaymentinitstatusofaccount.md
  - https://docs.qwist.com/reference/getpaymentofaccount.md
  - https://docs.qwist.com/reference/getpaymentpartners.md
  - https://docs.qwist.com/reference/getpaymentpartnersforaccess.md
  - https://docs.qwist.com/reference/getpaymentpartnersforaccount.md
  - https://docs.qwist.com/reference/getpaymentreceipt.md
  - https://docs.qwist.com/reference/getprovideraccess.md
  - https://docs.qwist.com/reference/getriskreport.md
  - https://docs.qwist.com/reference/getsecurityofaccount.md
  - https://docs.qwist.com/reference/getsyncchallenge.md
  - https://docs.qwist.com/reference/getsyncstatus.md
  - https://docs.qwist.com/reference/gettimeline.md
  - https://docs.qwist.com/reference/gettimelineforaccess.md
  - https://docs.qwist.com/reference/gettimelineforaccount.md
  - https://docs.qwist.com/reference/gettransaction.md
  - https://docs.qwist.com/reference/gettransactionofaccount.md
  - https://docs.qwist.com/reference/getuploadstatus.md
  - https://docs.qwist.com/reference/getuser.md
  - https://docs.qwist.com/reference/getversion.md
  - https://docs.qwist.com/reference/initpayment.md
  - https://docs.qwist.com/reference/initpaymentofaccount.md
  - https://docs.qwist.com/reference/listaccounts.md
  - https://docs.qwist.com/reference/listaccountsofaccess.md
  - https://docs.qwist.com/reference/listbanks.md
  - https://docs.qwist.com/reference/listcatalog.md
  - https://docs.qwist.com/reference/listcatalogclientauth.md
  - https://docs.qwist.com/reference/listclientusers.md
  - https://docs.qwist.com/reference/listcontracts.md
  - https://docs.qwist.com/reference/listcontractsofaccess.md
  - https://docs.qwist.com/reference/listcontractsofaccount.md
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