Table of Contents
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 #
POST https://api-test.10npay.com/app/withdrawal-to-3rd-party-iban
| Field | Description |
|---|---|
sourceCustomerAccount |
Source IBAN. |
beneficiaryCustomerAccount |
Beneficiary IBAN. |
beneficiaryCustomerName |
Beneficiary name (as per bank). |
amount |
Numeric amount (BGN). |
currency |
Currency code, e.g., BGN. |
notes |
Payment reference (optional). |
deviceId |
Device fingerprint/ID. |
Response – SCA result (OTP or in-app approval). Store the deviceId/transfer info for the next steps.
3. Resend verification code #
POST https://api-test.10npay.com/app/resend-code-for-withdraw
Send the same payload as initiation if the OTP expired.
4. Execute withdrawal #
POST https://api-test.10npay.com/app/execute-withdrawal-to-3rd-party-iban
| Field | Description |
|---|---|
sourceCustomerAccount |
Source IBAN. |
beneficiaryCustomerAccount |
Beneficiary IBAN. |
beneficiaryCustomerName |
Beneficiary name. |
amount |
Amount. |
currency |
Currency. |
code |
OTP / confirmation code. |
deviceId |
Device fingerprint/ID. |
Response 200 – transaction ID (string). HTTP 202 indicates SCA approval pending in the app; handle as in the P2P flow.
Error handling #
- 400 – validation failure (invalid IBAN, insufficient funds, exceeds limits, etc.).
- 404 – source account not found.
- 500 – retry later.
