{"id":336,"date":"2024-06-14T15:21:36","date_gmt":"2024-06-14T15:21:36","guid":{"rendered":"https:\/\/developers.10npay.com\/?post_type=docs&p=1077"},"modified":"2026-05-22T06:24:45","modified_gmt":"2026-05-22T06:24:45","password":"","slug":"money-transfer-to-3rd-party-iban-3","status":"publish","type":"docs","link":"https:\/\/developers.10npay.com\/bg\/docs\/money-transfer-to-3rd-party-iban-3\/","title":{"rendered":"Money transfer \u2013 to 3rd Party IBAN"},"content":{"rendered":"

Money Transfer to 3rd Party IBAN<\/h1>\n

Use this flow when the beneficiary IBAN is external. The gateway exposes initiation (fee + SCA), resend, and execution endpoints.<\/p>\n

1. Calculate transfer fee<\/h2>\n
POST https:\/\/api-test.10npay.com\/app\/get-money-transfer-charge\n<\/code><\/pre>\n
Same payload as the P2P case, but pass PaymentType = P2IBANWithdrawal<\/code> (or the code your environment expects for outbound transfers).<\/p>\n
2. Initiate withdrawal<\/h2>\n
POST https:\/\/api-test.10npay.com\/app\/withdrawal-to-3rd-party-iban\n<\/code><\/pre>\n\n\n\n\n\n\n\n\n\n\n\n
Field<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
sourceCustomerAccount<\/code><\/td>\nSource IBAN.<\/td>\n<\/tr>\n
beneficiaryCustomerAccount<\/code><\/td>\nBeneficiary IBAN.<\/td>\n<\/tr>\n
beneficiaryCustomerName<\/code><\/td>\nBeneficiary name (as per bank).<\/td>\n<\/tr>\n
amount<\/code><\/td>\nNumeric amount (BGN).<\/td>\n<\/tr>\n
currency<\/code><\/td>\nCurrency code, e.g., BGN<\/code>.<\/td>\n<\/tr>\n
notes<\/code><\/td>\nPayment reference (optional).<\/td>\n<\/tr>\n
deviceId<\/code><\/td>\nDevice fingerprint\/ID.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Response<\/strong> \u2013 SCA result (OTP or in-app approval). Store the deviceId\/transfer info for the next steps.<\/p>\n
3. Resend verification code<\/h2>\n
POST https:\/\/api-test.10npay.com\/app\/resend-code-for-withdraw\n<\/code><\/pre>\n
Send the same payload as initiation if the OTP expired.<\/p>\n
4. Execute withdrawal<\/h2>\n
POST https:\/\/api-test.10npay.com\/app\/execute-withdrawal-to-3rd-party-iban\n<\/code><\/pre>\n\n\n\n\n\n\n\n\n\n\n\n
Field<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
sourceCustomerAccount<\/code><\/td>\nSource IBAN.<\/td>\n<\/tr>\n
beneficiaryCustomerAccount<\/code><\/td>\nBeneficiary IBAN.<\/td>\n<\/tr>\n
beneficiaryCustomerName<\/code><\/td>\nBeneficiary name.<\/td>\n<\/tr>\n
amount<\/code><\/td>\nAmount.<\/td>\n<\/tr>\n
currency<\/code><\/td>\nCurrency.<\/td>\n<\/tr>\n
code<\/code><\/td>\nOTP \/ confirmation code.<\/td>\n<\/tr>\n
deviceId<\/code><\/td>\nDevice fingerprint\/ID.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Response 200<\/strong> \u2013 transaction ID (string). HTTP 202 indicates SCA approval pending in the app; handle as in the P2P flow.<\/p>\n
Error handling<\/h2>\n
    \n
  • 400<\/strong> \u2013 validation failure (invalid IBAN, insufficient funds, exceeds limits, etc.).<\/li>\n
  • 404<\/strong> \u2013 source account not found.<\/li>\n
  • 500<\/strong> \u2013 retry later.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"
    Money Transfer to 3rd Party IBAN Use this flow when the beneficiary IBAN is external. The gateway exposes initiation (fee + SCA), resend, and execution endpoints. 1. Calculate transfer fee POST https:\/\/api-test.10npay.com\/app\/get-money-transfer-charge Same payload as the P2P case, but pass PaymentType = P2IBANWithdrawal (or the code your environment expects for outbound transfers). 2. Initiate withdrawal […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"doc_category":[52],"doc_tag":[],"knowledge_base":[33],"class_list":["post-336","docs","type-docs","status-publish","hentry","doc_category-payment-operation-incl-call-for-fee-calculation","knowledge_base-10npay"],"year_month":"2026-07","word_count":187,"total_views":0,"reactions":{"happy":0,"normal":0,"sad":0},"author_info":{"name":"10npaydev","author_nicename":"10npaydev","author_url":"https:\/\/developers.10npay.com\/bg\/author\/10npaydev\/"},"doc_category_info":[{"term_name":"Payment Operation (incl. Call for fee calculation)","term_url":"https:\/\/developers.10npay.com\/bg\/docs\/10npay\/payment-operation-incl-call-for-fee-calculation\/"}],"doc_tag_info":[],"knowledge_base_info":[{"term_name":"10npay","term_url":"https:\/\/developers.10npay.com\/bg\/docs\/10npay\/","term_slug":"10npay"}],"knowledge_base_slug":["10npay"],"_links":{"self":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/comments?post=336"}],"version-history":[{"count":1,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/336\/revisions"}],"predecessor-version":[{"id":415,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/336\/revisions\/415"}],"wp:attachment":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/media?parent=336"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/doc_category?post=336"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/doc_tag?post=336"},{"taxonomy":"knowledge_base","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/knowledge_base?post=336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}