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openapi: 3.0.0
info:
title: Remit Core API
version: 1.0.4
description: >
> **Remit Core** Partners should be aware that **new fields and/or values**
may appear
> in requests and responses over time.
> Any unrecognised fields and/or values **must be ignored** if they are not
relevant to the Partner.
---
## Overview
**Remit Core** is a platform for processing cross-border money transfers.
Partners integrate with Remit Core via API and initiate transfers.
Remit Core handles all operational complexity: routing, validation, status
tracking,
and interaction with payment infrastructure. Partners do not need to deal
with the specifics
of national payment systems or differences in protocols.
**For the Partner, Remit Core is the single integration point.** All
interaction takes place
through the API described in this document.
---
## Transfer Types
Remit Core supports two transfer types:
### CREDIT Transfer *(primary scenario)*
The Partner debits funds from the sender on their side;
Remit Core credits funds to the recipient.
```
Partner (debit) → Remit Core → Recipient (credit via Remit Core)
```
For this transfer type, the key parameters are: the settlement currency with
the Partner
(debit currency - `senderCurrencyCode`) and the recipient's credit currency
(`receiverCurrencyCode`).
### DEBIT Transfer *(limited scenario)*
Remit Core debits funds from the sender;
the Partner credits funds to the recipient on their side.
```
Sender (debit via Remit Core) → Remit Core → Partner (credit)
```
For this transfer type, the key parameters are: the sender's debit currency
(`senderCurrencyCode`) and
the settlement currency with the Partner (credit currency -
`receiverCurrencyCode`).
DEBIT transfers are used on a limited basis and require additional
agreement.
---
## Payment Instruments
A payment instrument is the details by which Remit Core identifies
the sender (for debit) or the recipient (for credit).
| Operation | Available instruments |
|---|---|
| Credit to recipient (CREDIT) | Card number; phone number + short bank code
|
| Debit from sender (DEBIT) | Card number |
---
## Authentication and Headers
### Required Header (all methods)
| Header | Description |
|---|---|
| `X-Api-Key` | Partner key in UUID format. Issued upon onboarding to the
platform. |
---
## Onboarding and Testing
### Network Connection (production environment)
The **IPSec** protocol is used for connections in the production
environment.
Before integration:
1. Complete the <a href='/remitcore/Sunnybox-IPsec.docx'>IPSec configuration
form</a>.
2. Provide your account manager with the IP addresses from which requests
will be sent to Remit Core.
The test environment is accessible directly from the Internet.
### Test Environment
- **Base URL:** `https://remit-core.ipt-merch.com`
- **Postman Collection for CREDIT transfers:** <a
href='/remitcore/remitcore_postman_collection_credit.json'
target='_blank'>download</a>
- **Credentials** (`X-Api-Key` for the test environment): request from your
account manager.
---
## Interaction Flow
### Optional Step: Currency Conversion - `POST /convert`
Preliminary amount calculation and current exchange rate retrieval.
- This method **does not create a transfer** - it is an informational
request only.
- Can be used by the Partner to display preliminary transfer terms to the
end client.
- **Not a required step** before `POST /register`.
<a href='/img/remitcore/en_remitcore_convert.png' target='_blank'>
<img src='/img/remitcore/en_remitcore_convert.png'/>
</a>
---
### Optional Step: Get Available Recipient Banks - `POST /info/v1/get_banks`
Returns a list of banks (short bank codes) where an active card was found
for the specified recipient phone number.
This method is needed **only when crediting by phone number** (payment
instrument `PHONE`):
in this case, a short bank code (`bankLabel`) must be provided alongside the
phone number.
The method allows the Partner to determine in advance which banks have an
active card
for the recipient, and to offer the client a choice.
The list of bank names corresponding to short bank codes: <a
href='/remitcore/en_bank_label_list_for_transfers.xlsx'
target='_blank'>download</a>.
- This method **does not create a transfer** - it is an auxiliary
informational request.
- **Not a required step**: if the Partner obtains the bank code by other
means
(e.g. the client selects the bank themselves), this method may be skipped.
- Currently, only **Uzbekistan** (`UZB`) is supported as the recipient's
country.
**Typical use-case:**
1. The client enters the recipient's phone number
2. The Partner calls `POST /info/v1/get_banks` → receives the list of banks
with active cards
3. The client selects the necessary bank from the list
4. The Partner sends `phoneNumber` + `bankLabel` in the `target` field when
calling `POST /register`
---
### Main Transfer Flow
#### CREDIT Transfer
```
POST /register → POST /process
```
A CREDIT transfer requires just two steps. Once `POST /process` completes
successfully,
Remit Core automatically credits the funds to the recipient.
| Step | Method | Required | Description |
|---|---|---|---|
| 1 | `POST /register` | Required | Transfer registration: data validation
and transfer entity creation |
| 2 | `POST /process` | Required | Initiates transfer processing |
---
#### DEBIT Transfer
```
POST /register → POST /process → [POST /resend_otp] → [POST /confirm] →
[POST /cancel]
```
A DEBIT transfer may include additional confirmation steps:
Remit Core initiates the debit from the sender, which may require
confirmation via OTP or 3DS.
| Step | Method | Required | Description |
|---|---|---|---|
| 1 | `POST /register` | Required | Transfer registration: data validation
and transfer entity creation |
| 2 | `POST /process` | Required | Initiates transfer processing |
| 3 | `POST /resend_otp` | If needed | Resends OTP to the client if not
received or not entered in time |
| 4 | `POST /confirm` | If needed | Transfer confirmation via OTP or 3DS (if
required for the operation) |
| 5 | `POST /cancel` | If needed | Transfer cancellation |
---
#### Common for Both Transfer Types
The current transfer status can be requested at any time via `POST
/get_status`.
Remit Core also sends a **callback** with the final transfer result
to the URL agreed upon during onboarding.
#### Asynchronous Result (code 2000)
In some cases, Remit Core cannot return the final result synchronously.
In such cases, the method will return code **2000** ("Request accepted. Wait
for operation processing information in Callback or request status").
When this occurs, the Partner must either:
- wait for the **callback** from Remit Core, **or**
- poll the transfer status via `POST /get_status`.
<a href='/img/remitcore/en_remitcore_transfer.png' target='_blank'>
<img src='/img/remitcore/en_remitcore_transfer.png'/>
</a>
---
## Transfer Status Model
### CREDIT Transfer
<a href='/img/remitcore/remitcore_state_model_credit.png' target='_blank'>
<img src='/img/remitcore/remitcore_state_model_credit.png'
style="display: block; margin: 0 auto; max-width:70%; height: auto;"/>
</a>
| Status | Description |
|---|---|
| `INIT` | Transfer initiated - `POST /register` request received |
| `REGISTERED` | Transfer successfully registered |
| `PROCESSING` | Transfer is being processed - `POST /process` request
received |
| `SUCCESS` | Transfer successfully completed |
| `FAILED` | Transfer rejected |
| `CANCELLED` | Transfer cancelled (no further requests received to continue
processing) |
---
### DEBIT Transfer
<a href='/img/remitcore/remitcore_state_model_debit.png' target='_blank'>
<img src='/img/remitcore/remitcore_state_model_debit.png'
style="display: block; margin: 0 auto; max-width:70%; height: auto;"/>
</a>
| Status | Description |
|---|---|
| `INIT` | Transfer initiated - `POST /register` request received |
| `REGISTERED` | Transfer successfully registered |
| `PROCESSING` | Transfer is being processed - `POST /process` request
received |
| `CONFIRMATION` | Client confirmation required (OTP or 3DS) |
| `CONFIRMING` | Confirmation in progress - `POST /confirm` request received
|
| `SUCCESS` | Transfer successfully completed |
| `FAILED` | Transfer rejected |
| `CANCELLING` | Cancellation in progress - `POST /cancel` request received
|
| `CANCELLING_FAILED` | Cancellation failed |
| `CANCELLED` | Transfer cancelled (no further requests received to continue
processing, or transfer is successfully cancelled after `POST /cancel`
request) |
---
## Settlement Report
Remit Core automatically generates a **daily settlement report** and sends
it
to the list of email addresses provided by the Partner in advance.
### File Format
- Format: **CSV**
- Delimiter: **`;`**
- First row: field names
- File name: `Remit_Core_transfers_YYYYMMDD.csv`, where `YYYYMMDD` is the
export date
### Settlement Report Fields
| Field | Description |
|---|---|
| `transfer_id` | Transfer identifier in Remit Core |
| `transfer_created_at` | Transfer creation date and time |
| `transfer_sender_amount` | Transfer amount in the sender's currency (minor
units, excluding fee) |
| `sender_currency` | Sender's currency (ISO 4217 alpha-3) |
| `transfer_receiver_amount` | Transfer amount in the recipient's currency
(minor units, excluding fee) |
| `receiver_currency` | Recipient's currency (ISO 4217 alpha-3) |
| `route_name` | Transfer direction |
| `transfer_fee_amount` | Fee amount in the fee currency (minor units). May
be negative (Partner reward) |
| `fee_currency` | Fee currency (ISO 4217 alpha-3) |
| `transaction_type` | Transfer type: CREDIT, DEBIT |
| `transfer_exchange_rate` | Exchange rate fixed for the transfer (Sender's
currency -> Recipient's currency) |
| `payment_system` | Recipient's payment system for СREDIT transfer /
Sender's payment system for DEBIT transfer (if applicable for payment
instrument) |
### How the Partner is Reflected in the Settlement Report
- For a **CREDIT transfer**, the Partner acts as the **sender**:
`Sender_Currency` = `Fee_Currency` = settlement currency with the Partner.
- For a **DEBIT transfer**, the Partner acts as the **recipient**:
`Receiver_Currency` = `Fee_Currency` = settlement currency with the Partner.
---
## Country-Specific Transfer Details
### Uzbekistan
<details>
<summary><strong>Transfer Limits</strong></summary>
Limits apply to cards issued in Uzbekistan.
**By amount:**
- Minimum transfer amount - 1 UZS
- Single transaction limit - 18 749 999 UZS
- Cumulative limit over the last 30 days - 9 999 USD
**By number of transfers:**
- Per day — maximum 5 transfers
- Per month — maximum 150 transfers
</details>
<details>
<summary><strong>Supported Card BINs</strong></summary>
| Payment System | BINs |
|---|---|
| **UZCARD** | 5440, 5614, 6262, 6263, 6264, 8600 |
| **HUMO** | 4008, 4027, 4062, 4067, 4073, 4097, 4198, 4294, 4728, 4790,
5555, 9860 |
| **Visa** | 49169903 |
</details>
servers:
- url: https://remit-core.ipt-merch.com
description: Test environment
x-tagGroups:
- name: API
tags:
- Transfer process
- Information retrieval
tags:
- name: Transfer process
description: Methods used in the transfer process
- name: Information retrieval
description: Auxiliary Information Methods
paths:
/v1/register:
post:
tags:
- Transfer process
summary: Transfer registration
description: >
Validates the request and registers a new transfer (creates a transfer
entity).
This is the **first required step** in the transfer flow. Upon
successful registration,
a `transferId` is returned - it must be used in all subsequent requests
for this transfer.
Applicable to both **CREDIT** and **DEBIT** transfer types.
operationId: registerTransfer
security:
- XApiKeyAuth: []
requestBody:
description: >-
Transfer registration parameters. Use `CreditTransferRequest` for
CREDIT transfers and `DebitTransferRequest` for DEBIT transfers
required: true
content:
application/json:
schema:
oneOf:
- $ref: '#/components/schemas/CreditTransferRequest'
- $ref: '#/components/schemas/DebitTransferRequest'
responses:
'200':
description: >
Successful response or business logic error.
Check the `code` field to determine the outcome - code `0` indicates
success
content:
application/json:
schema:
$ref: '#/components/schemas/RegisterTransferResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
/v1/process:
post:
tags:
- Transfer process
summary: Initiate transfer processing
description: >
Initiates processing of a previously registered transfer.
This is the **second required step** in the transfer flow, called after
`POST /register`.
The transfer must be in the status `REGISTERED` - only in that state it
can be processed.
Applicable to both **CREDIT** and **DEBIT** transfer types.
Key response scenarios (excluding errors):
- **code 0** - transfer processed successfully (**CREDIT** transfers)
- **code 2000** - request accepted asynchronously; wait for a callback
or poll `POST /get_status` (both **CREDIT** and **DEBIT** transfers)
- **code 2001** - confirmation required (**DEBIT** transfers):
- for `confirmationType = OTP` submit the code via `POST /confirm`,
- for `confirmationType = 3DS` confirmation is completed outside of Remit Core.
operationId: processTransfer
security:
- XApiKeyAuth: []
requestBody:
description: Identifier of the transfer to process
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/TransferIdRequest'
responses:
'200':
description: >
Successful response, business logic error, or notification about
required additional actions.
Check the `code` field to determine the outcome
content:
application/json:
schema:
oneOf:
- $ref: '#/components/schemas/ProcessTransferResponse'
- $ref: >-
#/components/schemas/NeedConfirmationProcessTransferResponse
- $ref: '#/components/schemas/ProcessPendingTransferResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
callbacks:
TransferResultInfo:
$ref: '#/components/callbacks/TransferResultInfo'
/v1/get_status:
post:
tags:
- Transfer process
summary: Get transfer status
description: >
Returns the current status of a transfer.
Can be called at any point in the transfer lifecycle. Particularly
useful when
`POST /process`, `POST /confirm` or `POST /cancel` returned **code
2000** (asynchronous processing)
and no callback has been received yet.
The transfer can be identified by either `transferId` (Remit Core
identifier)
or `externalTransferId` (Partner's own identifier). At least one must be
provided.
Applicable to both **CREDIT** and **DEBIT** transfer types.
operationId: getStatus
security:
- XApiKeyAuth: []
requestBody:
description: >-
Transfer identifier - either `transferId` or `externalTransferId` must
be provided
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/StatusTransferRequest'
responses:
'200':
description: >
Successful response or business logic error.
Check the `code` field to determine the outcome - code `0` indicates
success
content:
application/json:
schema:
$ref: '#/components/schemas/StatusTransferResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
/v1/confirm:
post:
tags:
- Transfer process
summary: Confirm transfer
description: >
Confirms a transfer using a one-time password (OTP).
The transfer must be in the status `CONFIRMATION` - only in that state
it can be confirmed.
Must be called when `POST /process` returns **code 2001** with
`confirmationType = OTP`.
The client receives the OTP via the channel configured for their card
(e.g. SMS),
and the Partner submits it using this method.
Applicable to **DEBIT** transfers only.
Key response scenarios (excluding errors):
- **code 0** - transfer confirmed successfully
- **code 2000** - request accepted asynchronously; wait for a callback
or poll `POST /get_status`
- **code 3008** - OTP incorrect; need to resend code - use `POST
/resend_otp` for the new one
operationId: confirm
security:
- XApiKeyAuth: []
requestBody:
description: Transfer identifier and one-time password provided by the client
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/ConfirmTransferRequest'
responses:
'200':
description: >
Successful response, business logic error, or notification about
required additional actions.
Check the `code` field to determine the outcome
content:
application/json:
schema:
oneOf:
- $ref: '#/components/schemas/ConfirmTransferResponse'
- $ref: '#/components/schemas/ConfirmPendingTransferResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
callbacks:
TransferResultInfo:
$ref: '#/components/callbacks/TransferResultInfo'
/v1/resend_otp:
post:
tags:
- Transfer process
summary: Resend OTP for transfer confirmation
description: >
Requests a new one-time password (OTP) to be sent to the client.
Use this method when `POST /process` returned **code 2001** with
`confirmationType = OTP`
and the client did not receive the OTP or the previous OTP has expired.
Or after an unsuccessful attempt of confirmation via `POST /confirm` (if
received **code 3008**).
The transfer must be in the status `CONFIRMATION`.
Applicable to **DEBIT** transfers only.
operationId: resendOtp
security:
- XApiKeyAuth: []
requestBody:
description: Identifier of the transfer for which to resend the OTP
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/TransferIdRequest'
responses:
'200':
description: >
Successful response or business logic error.
Check the `code` field to determine the outcome - code `0` indicates
success
content:
application/json:
schema:
$ref: '#/components/schemas/ResendOtpResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
/v1/cancel:
post:
tags:
- Transfer process
summary: Cancel transfer
description: >
Requests cancellation of a transfer that has been successfully processed
(transfer must be in the status `SUCCESS`).
The result may be synchronous or asynchronous (code `2000` - wait for a
callback or poll `POST /get_status`).
Applicable to **DEBIT** transfers only. Cancellation of CREDIT transfers
is prohibited (code `8003`).
operationId: cancel
security:
- XApiKeyAuth: []
requestBody:
description: Identifier of the transfer to cancel
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/TransferIdRequest'
responses:
'200':
description: |
Successful response or business logic error.
Check the `code` field to determine the outcome
content:
application/json:
schema:
oneOf:
- $ref: '#/components/schemas/CancelTransferResponse'
- $ref: '#/components/schemas/CancelPendingTransferResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
callbacks:
TransferResultInfo:
$ref: '#/components/callbacks/TransferResultInfo'
/v1/convert:
post:
tags:
- Information retrieval
summary: Convert amount and get exchange rate
description: >
Returns the current exchange rate and calculates the transfer amount in
the target currency.
This method is **optional** and **informational** - it does not create a
transfer
and is not a required step before `POST /register`.
It can be used to display preliminary transfer terms to the end client.
Exactly one of the following fields must be provided:
- `senderAmount` - to calculate the amount the recipient will receive
- `receiverAmount` - to calculate the amount the sender needs to send
operationId: convert
security:
- XApiKeyAuth: []
requestBody:
description: >-
Currency pair and amount for conversion. Provide either `senderAmount`
or `receiverAmount`, not both
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/ConvertRequest'
responses:
'200':
description: >
Successful response or business logic error.
Check the `code` field to determine the outcome - code `0` indicates
success
content:
application/json:
schema:
$ref: '#/components/schemas/ConvertResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
/info/v1/get_banks:
post:
tags:
- Information retrieval
summary: Get available recipient banks
description: >
Returns a list of banks (short bank codes) where an active card was
found for the specified recipient phone number.
This method is **optional** and **informational** - it does not create a
transfer.
Use this method when crediting by phone number (payment instrument
`PHONE`):
in this case, `phoneNumber` and `bankLabel` must both be provided in the
`target` field
of the `POST /register` request. This method helps determine which banks
have an active card
for the recipient, so the end client can choose the correct bank.
Currently supported recipient country: **Uzbekistan** (`UZB`) only.
operationId: getBanks
security:
- XApiKeyAuth: []
requestBody:
description: Recipient phone number and country code
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/GetBanksRequest'
responses:
'200':
description: >
Successful response or business logic error.
Check the `code` field to determine the outcome - code `0` indicates
success.
The `banks` array may be empty if no active cards were found
content:
application/json:
schema:
$ref: '#/components/schemas/GetBanksResponse'
'401':
description: Authentication error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'403':
description: Authorization error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
'422':
description: >-
Request validation error - invalid JSON, missing required fields, or
constraint violations
content:
application/json:
schema:
$ref: '#/components/schemas/422ErrorResponse'
'500':
description: Internal Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/ErrorResponse'
/info/v1/get_balance:
post:
tags:
- Information retrieval
summary: Get partner account balance
description: >
Returns the current balance of the partner's account as reflected in the
core banking system (ABS) at the moment of the request.
This method is **informational** - it does not create a transfer.
The partner is identified by the `X-Api-Key` header, so no request
parameters are required.
The request body must be an empty JSON object `{}`.
**Important:** depending on the ABS operational day cycle, some
transactions of the current day
may not yet be reflected in the returned balance. The finalised daily
balance is available
only after the ABS end-of-day processing completes.
operationId: getBalance
security:
- XApiKeyAuth: []
requestBody:
required: true
content:
application/json:
schema:
type: obj
# --- truncated at 32 KB (84 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/uzum/refs/heads/main/openapi/uzum-remitcore-openapi.yaml