SEPA Instant Payment for Corporate Customer.

Provided by Emmanuel DENEUVILLE
Last update 06.01.2026
Status Live
Version 2.0.7
Category Payment and Collection
API Product(s) API4C - SCT Instant Payment Pack (Initiation, Status, Reach., Backup)
Country Europe
User profile CORPORATE
Tags
SCT instant
SCT instantané
payment
Description

SEPA Payment APIs

  • API Corporate SEPA Instant Payment Reachability: Clients can check the reachability of the creditor bank.

  • API Corporate SEPA Instant Payment Request: Clients can initiate instant payment instruction.

  • API Corporate SEPA Instant Payment Status: Clients can retrieve the status of initiated instant payment instruction.

  • API Corporate SEPA Standard Unitary Payment Request (can also be used as Instant Payment backup): Clients can initiate standard unitary SEPA payment instruction

  • API Corporate SEPA Standard Unitary Payment Status (can also be used as Instant Payment backup) : Clients can retrieve the status of initiated standard unitary SEPA payment instruction.

    Json Format

  • The payment instruction is formatted in JSON and follows a pain.001.001.03 ISO20022 structure.

  • The status is formatted in JSON and follows a pain.002 ISO20022 structure.

Prerequisites for all use cases

  • The Corporate Client have provided a valid SSL/TLS certificate to BNP Paribas.
  • The Corporate Client have provided a valid Electric Signature certificate (Eidas or RGS* or RGS**) to BNP Paribas.
  • BNP Paribas has provided to the Corporate Client its connectivity credentials (ClientID, ClientSecret and KeyID).

Payment Process

Your payment initiation request will generate a unique BNPP reference {requestTransactionId} which will allow you to call the status of your instant payment or SEPA standard transfer.

Notes

  • The reachability check is embedded in the payment initiation, but can be call as a standalone service.