Create Pay-in (Europe Open Banking)

POST/v1/eur/payin-instancespayin:create

Create a EUR/GBP Open Banking pay-in. Idempotency-Key is required. Amount 1–50,000. Settlement pocket is USDC (not PYUSD-USDC).

Request fields

Field	Type	Required	Description
`amount`	`string` (numeric)	Yes	Pay-in amount
`currencySymbol`	`string`	Yes	`EUR` or `GBP`
`returnUrl`	`string` (HTTPS URL)	Yes	Where the customer returns after the hosted bank widget
`merchantUrl`	`string` (HTTPS URL)	Yes*	Your site URL (or pass full `merchantDetails`)
`userDetails`	`object`	Yes	End customer details
`userDetails.email`	`string`	Yes	Customer email
`merchantDetails`	`object`	No	Alternative to `merchantUrl`: full merchant info
`merchantDetails.merchantName`	`string`	No	Display name
`merchantDetails.merchantUrl`	`string` (HTTPS)	No	Site URL
`merchantDetails.merchantInternalId`	`string`	No	Your internal reference

Provide either merchantUrl or the full merchantDetails object.

Example

Request


{
  "amount": "100",
  "currencySymbol": "EUR",
  "returnUrl": "https://merchant.com/payment/return",
  "merchantUrl": "https://merchant.com",
  "userDetails": {
    "email": "payer@example.com"
  }
}

With merchantDetails


{
  "amount": "100",
  "currencySymbol": "EUR",
  "returnUrl": "https://merchant.com/payment/return",
  "userDetails": { "email": "payer@example.com" },
  "merchantDetails": {
    "merchantName": "Example Ltd",
    "merchantUrl": "https://merchant.com",
    "merchantInternalId": "order-1001"
  }
}

cURL

curl -X POST https://api.transacty.ai/v1/eur/payin-instances \
  -H "X-Transacty-Key: $TRANSACTY_KEY" \
  -H "X-Transacty-Timestamp: $TS" \
  -H "X-Transacty-Signature: $SIG" \
  -H "Idempotency-Key: $IDEMPOTENCY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "amount": "100",
  "currencySymbol": "EUR",
  "returnUrl": "https://merchant.com/payment/return",
  "merchantUrl": "https://merchant.com",
  "userDetails": {
    "email": "payer@example.com"
  }
}'

Response


{
  "transactionId": "f1a2b3c4-d5e6-47f8-9a0b-1c2d3e4f5a6b",
  "status": "pending",
  "amount": "100",
  "fiatCurrency": "EUR",
  "settlementCurrency": "USDC",
  "instanceId": "eur_inst_77c1",
  "checkoutUrl": "https://checkout.example/ob/f1a2b3c4",
  "cryptoAmount": "108.42",
  "rate": "1.0842",
  "fees": {
    "platformFee": "1.50",
    "feeType": "payin",
    "feeStatus": "estimated"
  }
}

Response fields

Field	Type	Description
`transactionId`	`string`	Poll + ledger transaction id
`status`	`string`	`pending` after create
`amount`	`string`	Requested pay-in amount
`fiatCurrency`	`string`	Pay-in currency (`EUR` or `GBP`)
`settlementCurrency`	`string`	Always `USDC` (Europe pocket — not `PYUSD-USDC`)
`instanceId`	`string`	Support / reference id
`checkoutUrl`	`string`	Redirect the end user here to complete payment
`cryptoAmount`	`string`	Optional quote amount in USDC
`rate`	`string`	Optional conversion rate for display
`fees`	`object`	Transacty service fee for this pay-in

Your only pay-in UI job is to redirect the customer to checkoutUrl. After they complete the widget, track the result via Pay-in Status & Events or webhooks.