Revolut Payment drafts API

openapi: 3.2.0
info:
  version: '1.0'
  title: Business Payment drafts API
  description: "As a Revolut Business customer with a Business Account, you can use the Business API to automate your own business processes.\nSave time, reduce your costs, and avoid errors by using the Business API. \n\n:::tip[Before you get started]\nTo learn more about the Business API and its features, check the [**user guides**](https://developer.revolut.com/docs/guides/manage-accounts/introduction).\n\nYou can reach them at any time from the main navigation bar **→ Guides → Business**.\n:::\n\nYou can view accounts, manage counterparties, make payments or currency exchanges without manual effort in the Web UI:\n\n- Accounting: [Account management](https://developer.revolut.com/docs/api/business#get-account), [Accounting settings](https://developer.revolut.com/docs/api/business#tag-accounting), [Expense management](https://developer.revolut.com/docs/api/business#get-expense), [Transactions](https://developer.revolut.com/docs/api/business#get-transactions) \n- Payments: \n  - [Counterparty management](https://developer.revolut.com/docs/api/business#get-counterparties)\n  - Payment management: [Payment drafts](https://developer.revolut.com/docs/api/business#delete-payment-draft), [Payout links](https://developer.revolut.com/docs/api/business#get-payout-link), [Transfers](https://developer.revolut.com/docs/api/business#tag-transfers)\n  - [Foreign exchange](https://developer.revolut.com/docs/api/business#tag-foreign-exchange)\n- Business team: [Card management](https://developer.revolut.com/docs/api/business#delete-card), [Card invitation management](https://developer.revolut.com/docs/api/business#update-card-invitation), [Team member management](https://developer.revolut.com/docs/api/business#delete-team-member)\n- Developer tools: [Sandbox simulations](https://developer.revolut.com/docs/api/business#tag-simulations), [Webhook management](https://developer.revolut.com/docs/api/business#tag-webhooks-v2)\n\nTo see the reference for the specific endpoints and operations of this API, browse the menu on the left.\n\n### Test the Business API\n\nYou can test the Business API in Postman by forking this collection:\n\n[![View in Postman](https://run.pstmn.io/button.svg)](https://www.postman.com/revolut-api/workspace/revolut-developers/overview)"
  contact: {}
servers:
- url: https://b2b.revolut.com/api/1.0
  description: Production server (uses live data)
- url: https://sandbox-b2b.revolut.com/api/1.0
  description: Sandbox server (uses test data)
tags:
- name: Payment drafts
  description: 'Payment drafts let you prepare payments for future processing, prepare payments that require an approval, or prepare bulk or scheduled payments.


    Simply create a draft, and when you''re ready, [send it for processing as payment](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts#send-drafts-for-processing).

    If you or the payment you''re making is subject to an [approval process](https://help.revolut.com/business/help/managing-my-business/users-and-employees/how-can-i-set-payment-approval-rules/), another team member designated as an approver must approve it in the [Revolut Business app](https://business.revolut.com/) before the payment can be processed.


    You can also retrieve or delete the drafts created with the API.


    For more information on use cases and other details, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
paths:
  /payment-drafts:
    get:
      summary: Retrieve a list of payment drafts
      operationId: getPaymentDrafts
      description: 'Get the list of payment drafts that haven''t been [sent for processing](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts#send-drafts-for-processing).


        By default, only payment drafts created with the API (including [Draft payment](https://developer.revolut.com/docs/api/open-banking#tag-draft-payment) endpoints) are returned. To retrieve drafts from other sources, use the `source` parameter.


        The response lists the drafts with their details, such as the number of payments included in the draft, but not the payment details.


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
      parameters:
      - name: source
        in: query
        required: false
        description: 'Filter payment drafts by the source from which they were created.


          - `api`: Only drafts created with the API (excluding the [Draft payment](https://developer.revolut.com/docs/api/open-banking#tag-draft-payment) endpoints).

          - `integration`: Drafts created via integrations (e.g., Xero) and [Draft payment](https://developer.revolut.com/docs/api/open-banking#tag-draft-payment) endpoints.

          - `email`: Only drafts created via email.

          - `all`: All payment drafts, **including drafts created in the Revolut Business app**.'
        schema:
          type: string
          enum:
          - api
          - integration
          - email
          - all
      responses:
        '200':
          description: List of payment drafts
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentDraftsResponse'
              example:
                payment_orders:
                - id: e7e54cb2-861a-aaaa-80e9-3e6600f3db10
                  scheduled_for: '2026-06-24'
                  title: Draft Payment through API
                  payments_count: 1
                  source: api
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
      tags:
      - Payment drafts
    post:
      summary: Create a payment draft
      operationId: createPaymentDraft
      description: 'Create a payment draft.


        When you create a payment draft, it stays a draft until you [send it for processing as payment](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts#send-drafts-for-processing) in the [Revolut Business app](https://business.revolut.com/).


        Until then, you can [delete](https://developer.revolut.com/docs/api/business#delete-payment-draft) the draft if you no longer wish to proceed with it.


        :::note

        If you or the payment you''re making is subject to an [approval process](https://help.revolut.com/business/help/managing-my-business/users-and-employees/how-can-i-set-payment-approval-rules/), when you send the draft for processing, the payment goes into the `Pending review` state.

        Before it can be processed, the business owner, administrator, or another team member designated as an approver must approve it in the Revolut Business app.

        :::


        For more information on use cases and other details, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
        - WRITE
      tags:
      - Payment drafts
      requestBody:
        description: The payment draft information
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreatePaymentDraftRequest'
            examples:
              simple_draft:
                summary: Payment draft for a simple payment
                value:
                  title: Payment Draft Title
                  payments:
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: a15bcac4-dd42-45ed-a828-6806ccc8bb7e
                      account_id: 2bf609f4-9825-4401-b6f7-960c61f8bee0
                    amount: 10
                    currency: GBP
                    reference: 'Payment #123'
              draft_with_charge_bearer:
                summary: Payment draft for a single payment with charge bearer specified
                value:
                  title: Payment Draft Title
                  payments:
                  - account_id: 21cb9b68-0017-45cf-93f2-1a8954bcb120
                    receiver:
                      counterparty_id: d4d52566-280b-47df-b34f-0da6da484c43
                    amount: 100
                    currency: USD
                    reference: 'Transaction #456'
                    charge_bearer: debtor
              bulk_payment_draft:
                summary: Payment draft for a bulk payment
                value:
                  title: Payment Draft Title
                  payments:
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: a15bcac4-dd42-45ed-a828-6806ccc8bb7e
                      account_id: 2bf609f4-9825-4401-b6f7-960c61f8bee0
                    amount: 10
                    currency: GBP
                    reference: 'Payment #123'
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: f3107ecc-d368-48f3-8120-92b7d612f949
                    amount: 120
                    currency: GBP
                    reference: 'Transaction #654'
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: d4d52566-280b-47df-b34f-0da6da484c43
                    amount: 100
                    currency: EUR
                    reference: 'Invoice #789'
              scheduled_payment_draft:
                summary: Payment draft for a scheduled payment
                value:
                  title: Payment Draft Title
                  schedule_for: '2026-06-24'
                  payments:
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: a15bcac4-dd42-45ed-a828-6806ccc8bb7e
                      account_id: 2bf609f4-9825-4401-b6f7-960c61f8bee0
                    amount: 10
                    currency: GBP
                    reference: 'Payment #123'
              scheduled_bulk_payment_draft:
                summary: Payment draft for a scheduled bulk payment
                value:
                  title: Payment Draft Title
                  schedule_for: '2026-06-24'
                  payments:
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: a15bcac4-dd42-45ed-a828-6806ccc8bb7e
                      account_id: 2bf609f4-9825-4401-b6f7-960c61f8bee0
                    amount: 10
                    currency: GBP
                    reference: 'Payment #123'
                  - account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                    receiver:
                      counterparty_id: d4d52566-280b-47df-b34f-0da6da484c43
                    amount: 100
                    currency: EUR
                    reference: 'Invoice #789'
      responses:
        '201':
          description: The ID of the payment draft that was created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreatePaymentDraftResponse'
              example:
                id: e7e54cb2-861a-aaaa-80e9-3e6600f3db10
        '204':
          description: No payments provided
        '400':
          description: 'Bad Request


            Returned, for example, when a required parameter is missing or malformatted, or when the request contains incompatible parameters.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                charge_bearer_bulk_payments:
                  summary: Charge bearer cannot be used with bulk payments
                  value:
                    code: 2101
                    message: Charge bearer is not supported for bulk payments.
                charge_bearer_not_eligible:
                  summary: Charge bearer not supported for the given recipient
                  value:
                    code: 3287
                    message: Recipient not eligible for SWIFT SHA/OUR
                currency_should_match:
                  summary: Payment currency must match the recipient account currency
                  value:
                    code: 3452
                    message: Payment draft currency should match with recipient currency [USD] but is [EUR]
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
  /payment-drafts/{payment_draft_id}:
    get:
      summary: Retrieve a payment draft
      operationId: getPaymentDraft
      description: 'Get the information about a specific payment draft by ID.


        Returns drafts created with the API or via the [Revolut Business app](https://business.revolut.com/).


        The response lists the details of the payment(s) included in the draft, as well as the draft details.


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
      tags:
      - Payment drafts
      parameters:
      - name: payment_draft_id
        in: path
        required: true
        description: The ID of the payment draft to retrieve.
        schema:
          type: string
          format: uuid
      responses:
        '200':
          description: The information about a specific payment draft
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentDraftResponse'
              example:
                title: Draft Payment through API
                scheduled_for: '2026-06-24'
                payments:
                - id: 67b38771-3db0-4cf0-bdc0-aaaa1284ab81
                  amount:
                    amount: 123
                    currency: GBP
                  reference: Draft Payment through API
                  account_id: 05018b0d-e67c-4fec-aaaa-415e9da9432c
                  receiver:
                    counterparty_id: c71af44d-aaaa-4e1a-84bb-17589c81f022
                  state: CREATED
                  current_charge_options:
                    from:
                      amount: 123
                      currency: GBP
                    to:
                      amount: 123
                      currency: GBP
                    rate: '1.0000'
                    fee:
                      amount: 0
                      currency: GBP
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
    delete:
      summary: Delete a payment draft
      operationId: deletePaymentDraft
      description: 'Delete a payment draft with the given ID.


        You can delete a payment draft only if it hasn''t been [sent for processing](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts#send-drafts-for-processing).


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
        - WRITE
      tags:
      - Payment drafts
      parameters:
      - name: payment_draft_id
        in: path
        required: true
        description: The ID of the payment draft to delete.
        schema:
          type: string
          format: uuid
      responses:
        '204':
          description: The payment draft was successfully deleted
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
    patch:
      summary: Update a payment draft
      operationId: updatePaymentDraft
      description: 'Update the metadata of a payment draft (`title` and/or `schedule_for`).


        :::note

        - You can update drafts created with the API or via the Revolut Business app.

        - The `schedule_for` date must be in the future.

        :::


        All fields are optional — omitting a field leaves it unchanged.


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
        - WRITE
      tags:
      - Payment drafts
      parameters:
      - name: payment_draft_id
        in: path
        required: true
        description: The ID of the payment draft to update.
        schema:
          type: string
          format: uuid
      requestBody:
        description: The fields to update on the payment draft.
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdatePaymentDraftRequest'
            examples:
              update_title:
                summary: Update the draft title
                value:
                  title: Updated Draft Title
              update_schedule:
                summary: Update the scheduled date
                value:
                  schedule_for: '2026-07-01'
              update_both:
                summary: Update both title and scheduled date
                value:
                  title: Updated Draft Title
                  schedule_for: '2026-07-01'
      responses:
        '204':
          description: The payment draft was successfully updated
        '400':
          description: 'Bad Request


            Returned, for example, when a required parameter is missing or malformatted.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
        '404':
          description: The specified payment draft was not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                draft_not_found:
                  summary: Payment draft not found
                  value:
                    code: 3006
                    message: The specified payment draft was not found
        '422':
          description: 'Unprocessable Entity


            Returned when the payment draft cannot be modified.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                created_by_other_source:
                  summary: Draft created by other source cannot be modified
                  value:
                    code: 3100
                    message: Payment draft was created via Partner API and cannot be updated
                already_processed:
                  summary: Draft is already processed
                  value:
                    code: 3417
                    message: Payment draft is already processed
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
  /payment-drafts/{payment_draft_id}/payments:
    post:
      summary: Add a payment to a payment draft
      operationId: addPaymentDraftPayment
      description: 'Add a new payment to an existing payment draft.


        :::note

        You can add payments to drafts created with the API or via the Revolut Business app.

        :::


        The payment uses the same shape as the payments in the [create payment draft](#create-payment-draft) request.


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
        - WRITE
      tags:
      - Payment drafts
      parameters:
      - name: payment_draft_id
        in: path
        required: true
        description: The ID of the payment draft to add the payment to.
        schema:
          type: string
          format: uuid
      requestBody:
        description: The payment to add to the draft.
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentRequest'
            examples:
              simple_payment:
                summary: Add a simple payment to a draft
                value:
                  account_id: 2e6de1bf-97ad-478d-aad1-9d7a3cdf70cb
                  receiver:
                    counterparty_id: a15bcac4-dd42-45ed-a828-6806ccc8bb7e
                    account_id: 2bf609f4-9825-4401-b6f7-960c61f8bee0
                  amount: 50
                  currency: GBP
                  reference: 'Payment #456'
      responses:
        '201':
          description: The ID of the payment that was added to the draft
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreatePaymentDraftPaymentResponse'
              example:
                id: a1b2c3d4-0000-0000-0000-000000000002
        '400':
          description: 'Bad Request


            Returned, for example, when a required parameter is missing or malformatted.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
        '404':
          description: The specified payment draft was not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                draft_not_found:
                  summary: Payment draft not found
                  value:
                    code: 3006
                    message: The specified payment draft was not found
        '422':
          description: 'Unprocessable Entity


            Returned when the payment draft cannot be modified.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                created_by_other_source:
                  summary: Draft created by other source cannot be modified
                  value:
                    code: 3100
                    message: Payment draft was created via Partner API and cannot be updated
                already_processed:
                  summary: Draft is already processed
                  value:
                    code: 3417
                    message: Payment draft is already processed
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
  /payment-drafts/{payment_draft_id}/payments/{payment_id}:
    patch:
      summary: Update a payment in a payment draft
      operationId: updatePaymentDraftPayment
      description: 'Update the fields of a single payment within a payment draft.


        :::note

        You can update payments in drafts created with the API or via the Revolut Business app.

        :::


        All fields are optional — omit what should not change. Other payments in the draft are unaffected.


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
        - WRITE
      tags:
      - Payment drafts
      parameters:
      - name: payment_draft_id
        in: path
        required: true
        description: The ID of the payment draft that contains the payment.
        schema:
          type: string
          format: uuid
      - name: payment_id
        in: path
        required: true
        description: The ID of the payment to update.
        schema:
          type: string
          format: uuid
      requestBody:
        description: The fields to update on the payment.
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdateDraftPaymentRequest'
            examples:
              update_amount:
                summary: Update the payment amount
                value:
                  amount: 200
              update_reference:
                summary: Update the payment reference
                value:
                  reference: Updated reference
              update_receiver:
                summary: Update the receiver
                value:
                  receiver:
                    counterparty_id: f3107ecc-d368-48f3-8120-92b7d612f949
      responses:
        '204':
          description: The payment was successfully updated
        '400':
          description: 'Bad Request


            Returned, for example, when a required parameter is missing or malformatted.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
        '404':
          description: The specified payment draft or payment was not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                not_found:
                  summary: Payment draft or payment not found
                  value:
                    code: 3006
                    message: The specified payment draft or payment was not found
        '422':
          description: 'Unprocessable Entity


            Returned when the payment draft cannot be modified.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                created_by_other_source:
                  summary: Draft created by other source cannot be modified
                  value:
                    code: 3100
                    message: Payment draft was created via Partner API and cannot be updated
                already_processed:
                  summary: Draft is already processed
                  value:
                    code: 3417
                    message: Payment draft is already processed
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
    delete:
      summary: Delete a payment from a payment draft
      operationId: deletePaymentDraftPayment
      description: 'Delete a single payment from a payment draft. Other payments in the draft are unaffected.


        :::note

        You can delete payments from drafts created with the API or via the Revolut Business app.

        :::


        For more information, see the guides: [Payment drafts](https://developer.revolut.com/docs/guides/manage-accounts/transfers/payment-drafts).'
      security:
      - AccessToken:
        - READ
        - WRITE
      tags:
      - Payment drafts
      parameters:
      - name: payment_draft_id
        in: path
        required: true
        description: The ID of the payment draft that contains the payment.
        schema:
          type: string
          format: uuid
      - name: payment_id
        in: path
        required: true
        description: The ID of the payment to delete.
        schema:
          type: string
          format: uuid
      responses:
        '204':
          description: The payment was successfully removed from the draft
        '404':
          description: The specified payment draft or payment was not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                not_found:
                  summary: Payment draft or payment not found
                  value:
                    code: 3006
                    message: The specified payment draft or payment was not found
        '422':
          description: 'Unprocessable Entity


            Returned when the payment draft cannot be modified.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
              examples:
                created_by_other_source:
                  summary: Draft created by other source cannot be modified
                  value:
                    code: 3100
                    message: Payment draft was created via Partner API and cannot be updated
                already_processed:
                  summary: Draft is already processed
                  value:
                    code: 3417
                    message: Payment draft is already processed
        default:
          description: Unexpected error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorWithId'
components:
  schemas:
    UpdateDraftPaymentRequest:
      type: object
      description: The updated details of a single payment in a payment draft.
      minProperties: 1
      properties:
        receiver:
          $ref: '#/components/schemas/PaymentReceiver'
        amount:
          type: number
          format: double
          description: The amount of the payment.
          exclusiveMinimum: 0
        currency:
          $ref: '#/components/schemas/Currency'
        reference:
          type: string
          minLength: 1
          maxLength: 255
          description: 'The reference for the payment.

            A piece of text or number you provide to help identify what the payment relates to.

            It can be used, for example, for reconciliation or tracking purposes.'
        charge_bearer:
          type:
          - string
          - 'null'
          description: 'The party that should bear the transaction fees related to the selected transaction route if applied.

            Possible options are:

            - `shared`: Also known as **SHA**. The transaction route fees are split between the sender and the recipient.

            - `debtor`: Also known as **OUR**. The sender pays all explicit transaction fees.'
          enum:
          - shared
          - debtor
        transfer_reason_code:
          $ref: '#/components/schemas/TransferReasonCode'
    AmountWithCurrency:
      type: object
      description: ''
      properties:
        amount:
          type: number
          format: double
          description: The amount of the transaction.
        currency:
          $ref: '#/components/schemas/Currency'
    PaymentRequest:
      type: object
      description: The details of the draft payment.
      properties:
        account_id:
          type: string
          format: uuid
          description: "The ID of the account to pay from. \n\n:::note\nYou can specify only one account ID for multiple payments in the same payment draft.\n:::"
        receiver:
          $ref: '#/components/schemas/PaymentReceiver'
        amount:
          type: number
          format: double
          description: The amount of the payment.
          exclusiveMinimum: 0
        currency:
          $ref: '#/components/schemas/Currency'
        reference:
          type: string
          maxLength: 255
          description: 'The reference for the payment.

            A piece of text or number you provide to help identify what the payment relates to.

            It can be used, for example, for reconciliation or tracking purposes.


            You might include an invoice number, account or transaction ID, or any other reference meaningful to you.'
        charge_bearer:
          type: string
          description: "The party that should bear the transaction fees related to the selected transaction route if applied.\nPossible options are: \n- `shared`: Also known as **SHA**. The transaction route fees are split between the sender and the recipient. \n  The sender pays the fees charged by their bank, while the recipient pays the fees charged by the receiving and any intermediary banks.\n- `debtor`: Also known as **OUR**. The sender pays all explicit 

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# Full source: https://raw.githubusercontent.com/api-evangelist/revolut/refs/heads/main/openapi/revolut-payment-drafts-api-openapi.yml