Europe API Reference (Merchant Server)

All endpoints use HMAC authentication on https://api.transacty.ai. Document /v1/eur/... as canonical. Legacy alias /v1/tylt/eur/... still maps to the same handlers.

Open Banking endpoints

Method	Path	Scope	Purpose
`POST`	`/v1/eur/payin-instances`	`payin:create`	Create a EUR/GBP pay-in (`Idempotency-Key` required)
`GET`	`/v1/eur/payin-instances/:transactionId`	`payin:create`	Get pay-in status
`POST`	`/v1/eur/payout-instances`	`payout:create`	Create a EUR payout from USDC (`payeeDetails`, not `beneficiary`)
`POST`	`/v1/eur/payout-instances/:transactionId/approve`	`payout:create`	Approve a payout when required (empty body)
`GET`	`/v1/eur/payout-instances/:transactionId`	`payout:create`	Get payout status

Shared read endpoints

Method	Path	Notes
`GET`	`/v1/transactions`	Filter `type=payin\|payout` only; `rail` / `status` are not query params
`GET`	`/v1/transactions/:transactionId`	Status poll; same rail fields
`GET`	`/v1/balance`	Read `items[]` — Europe is `USDC`, not `PYUSD-USDC`
`PATCH`	`/v1/me/webhook`	Register the URL for Transacty → merchant events

Settlement

Pay-ins settle to your USDC wallet (upstream eventDetails.eventId 5).
Payouts debit USDC and disburse EUR to the payee bank. Body field is payeeDetails (at least iban).
USDC is a separate wallet pocket from USDT, BDT, and PYUSD-USDC. EUR payouts cannot spend PYUSD USDC. On GET /v1/balance, availableBalance is spendable and pendingBalance is in-flight pay-ins for that currency.
The Europe market must be enabled (KYB approved) or /v1/eur/* returns 403 (market_not_enabled); the USDC pocket is provisioned on approval.
400 insufficient_balance / wallet_not_found means the USDC pocket, not PYUSD-USDC.

Europe vs India (quick contrast)

	Europe	India UPI
Pay-in success signal	`eventDetails.eventId` = `5`	trade event `4` or `6`
Dispute	TL Pay / support runbooks	trade event `5`
Settlement wallet	`USDC`	`USDT`
Checkout	Redirect to `checkoutUrl`	Merchant-built UPI UI

Webhook events

When configured, Transacty sends payin.completed and payin.failed. The same webhook URL serves all rails. See Webhooks.