{"id":337,"date":"2024-06-14T15:21:59","date_gmt":"2024-06-14T15:21:59","guid":{"rendered":"https:\/\/developers.10npay.com\/?post_type=docs&#038;p=1079"},"modified":"2026-05-22T06:31:11","modified_gmt":"2026-05-22T06:31:11","password":"","slug":"withdrawal-to-payment-method","status":"publish","type":"docs","link":"https:\/\/developers.10npay.com\/bg\/docs\/withdrawal-to-payment-method\/","title":{"rendered":"Withdrawal \u2013 to Payment Method"},"content":{"rendered":"<h1>Withdrawal \u2013 to Saved Payment Method<\/h1>\n<p>Use this flow when the user wants to withdraw funds to one of their saved IBAN payment methods. The same gateway endpoints as the generic \u201cthird-party IBAN\u201d withdrawal are used, but the IBAN data comes from the stored payment method entry.<\/p>\n<h2>Prerequisites<\/h2>\n<ul>\n<li>Retrieve the user\u2019s payment methods via <code>GET \/api\/v1\/IndividualPaymentMethod\/{individualId}<\/code>.<\/li>\n<li>Select an IBAN payment method (value = IBAN, owner\/bank metadata, status Active).<\/li>\n<\/ul>\n<h2>1. (Optional) Calculate transfer fee<\/h2>\n<pre><code>POST https:\/\/api-test.10npay.com\/app\/get-money-transfer-charge\n<\/code><\/pre>\n<p>Payload is identical to other transfers (set <code>PaymentType<\/code> accordingly, e.g., <code>P2IBANWithdrawal<\/code>). Response \u2192 <code>MoneyTransferChargeResponse<\/code>.<\/p>\n<h2>2. Initiate withdrawal to saved payment method<\/h2>\n<pre><code>POST https:\/\/api-test.10npay.com\/app\/withdrawal-to-3rd-party-iban\n<\/code><\/pre>\n<table>\n<thead>\n<tr>\n<th>Field<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>sourceCustomerAccount<\/code><\/td>\n<td>User\u2019s wallet IBAN.<\/td>\n<\/tr>\n<tr>\n<td><code>beneficiaryCustomerAccount<\/code><\/td>\n<td>IBAN from the selected payment method.<\/td>\n<\/tr>\n<tr>\n<td><code>beneficiaryCustomerName<\/code><\/td>\n<td>Name on the payment method \/ bank account.<\/td>\n<\/tr>\n<tr>\n<td><code>amount<\/code><\/td>\n<td>Withdrawal amount.<\/td>\n<\/tr>\n<tr>\n<td><code>currency<\/code><\/td>\n<td>Currency code (BGN).<\/td>\n<\/tr>\n<tr>\n<td><code>notes<\/code><\/td>\n<td>Payment reference (optional).<\/td>\n<\/tr>\n<tr>\n<td><code>deviceId<\/code><\/td>\n<td>Device fingerprint\/ID.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Response<\/strong> \u2013 SCA result (OTP\/in-app). Keep the transfer context for execution.<\/p>\n<h2>3. Resend verification code<\/h2>\n<pre><code>POST https:\/\/api-test.10npay.com\/app\/resend-code-for-withdraw\n<\/code><\/pre>\n<p>Send the same payload as initiation when the OTP expires.<\/p>\n<h2>4. Execute withdrawal<\/h2>\n<pre><code>POST https:\/\/api-test.10npay.com\/app\/execute-withdrawal-to-3rd-party-iban\n<\/code><\/pre>\n<table>\n<thead>\n<tr>\n<th>Field<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>sourceCustomerAccount<\/code><\/td>\n<td>Source IBAN.<\/td>\n<\/tr>\n<tr>\n<td><code>beneficiaryCustomerAccount<\/code><\/td>\n<td>Beneficiary IBAN (same as initiation).<\/td>\n<\/tr>\n<tr>\n<td><code>beneficiaryCustomerName<\/code><\/td>\n<td>Beneficiary name.<\/td>\n<\/tr>\n<tr>\n<td><code>amount<\/code><\/td>\n<td>Amount.<\/td>\n<\/tr>\n<tr>\n<td><code>currency<\/code><\/td>\n<td>Currency.<\/td>\n<\/tr>\n<tr>\n<td><code>code<\/code><\/td>\n<td>OTP \/ confirmation code from SCA.<\/td>\n<\/tr>\n<tr>\n<td><code>deviceId<\/code><\/td>\n<td>Device fingerprint\/ID.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Response 200<\/strong> \u2013 transaction ID. HTTP 202 indicates in-app SCA challenge still pending.<\/p>\n<h2>Error handling<\/h2>\n<ul>\n<li><strong>400<\/strong> \u2013 validation (inactive payment method, invalid IBAN, insufficient funds, etc.).<\/li>\n<li><strong>404<\/strong> \u2013 account\/payment method not found.<\/li>\n<li><strong>500<\/strong> \u2013 transient error (retry).<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Withdrawal \u2013 to Saved Payment Method Use this flow when the user wants to withdraw funds to one of their saved IBAN payment methods. The same gateway endpoints as the generic \u201cthird-party IBAN\u201d withdrawal are used, but the IBAN data comes from the stored payment method entry. Prerequisites Retrieve the user\u2019s payment methods via GET [&hellip;]<\/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-337","docs","type-docs","status-publish","hentry","doc_category-payment-operation-incl-call-for-fee-calculation","knowledge_base-10npay"],"year_month":"2026-07","word_count":230,"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\/337","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=337"}],"version-history":[{"count":1,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/337\/revisions"}],"predecessor-version":[{"id":416,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/337\/revisions\/416"}],"wp:attachment":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/media?parent=337"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/doc_category?post=337"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/doc_tag?post=337"},{"taxonomy":"knowledge_base","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/knowledge_base?post=337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}