increase-test
POST/real_time_payments_requests_for_payment

Create a real-time payments request for payment

Creates a real-time payments request for payment asking a debtor to send funds to your account. Supply the destination account number, debtor details, amount, and requested execution and expiration times. The expiration time must not be earlier than the requested execution time.

  • IdempotentThe SDK sends Idempotency-Key, so a retried request is only applied once.

9 body fields

Details of the requested payment. Provide all required fields, including the debtor's name and address.

account_number_idstringrequired
The identifier of the Account Number where the funds will land.
amountintegerrequired
The requested amount in USD cents. Must be positive.
creditor_namestringoptional
The name of the creditor requesting the payment. If not provided, defaults to the name of the account's entity.
debtorobjectrequired
Details of the person being requested to pay.
debtor_account_numberstringrequired
The debtor's account number, which the funds will be requested from.
debtor_routing_numberstringrequired
The debtor's American Bankers' Association (ABA) Routing Transit Number (RTN).
expires_atstringrequired
The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time after which the request for payment is no longer valid. After this time the debtor's bank should no longer allow the debtor to pay it. Must not be before `requested_execution_at`.
requested_execution_atstringrequired
The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time by which you are requesting the payment to be made.
unstructured_remittance_informationstringrequired
Unstructured information that will show on the recipient's bank statement.

3 status codes
200Returns the created real-time payments request for payment, including its identifier, amount, debtor details, destination account, status, and payment dates.
account_idstringrequired
The Account in which a successful transfer will arrive.
account_number_idstringrequired
The Account Number in which a successful transfer will arrive.
amountintegerrequired
The transfer amount in USD cents.
cancellationobjectrequired
If a cancellation has been requested, this will contain supplemental details. The request for payment moves to `canceled` once the recipient bank acknowledges the cancellation.
created_atstringrequired
The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the request for payment was created.
creditor_namestringrequired
The name of the creditor requesting the payment.
currencystringrequired
The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the transfer's currency. For real-time payments transfers this is always equal to `USD`.
Allowed:USD
debtorobjectrequired
Details of the person being requested to pay.
debtor_account_numberstringrequired
The debtor's account number, which the request is sent to.
debtor_routing_numberstringrequired
The debtor's American Bankers' Association (ABA) Routing Transit Number (RTN).
expires_atstringrequired
The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time after which the request for payment is no longer valid. After this time the debtor's bank should no longer allow the debtor to pay it.
fulfillment_inbound_real_time_payments_transfer_idstringrequired
The identifier of the Inbound Real-Time Payments Transfer that fulfilled this request.
idstringrequired
The Real-Time Payments Request for Payment's identifier.
idempotency_keystringrequired
The idempotency key you chose for this object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about [idempotency](https://increase.com/documentation/idempotency-keys).
refusalobjectrequired
If the request for payment is refused by the destination financial institution or the receiving customer, this will contain supplemental details.
rejectionobjectrequired
If the request for payment is rejected by Real-Time Payments or the destination financial institution, this will contain supplemental details.
requested_execution_atstringrequired
The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time by which the payment was requested to be made.
statusstringrequired
The lifecycle status of the request for payment.
Allowed:pending_submissionpending_responserejectedacceptedrefusedfulfilledcanceled
submissionobjectrequired
After the request for payment is submitted to Real-Time Payments, this will contain supplemental details.
typestringrequired
A constant representing the object's type. For this resource it will always be `real_time_payments_request_for_payment`.
Allowed:real_time_payments_request_for_payment
unstructured_remittance_informationstringrequired
Unstructured information that will show on the recipient's bank statement.
4XXReturned when the request cannot be processed because of a client error.
5XXReturned when the server encounters an error processing the request.

Error handling

account_number_id, debtor_account_number, debtor_routing_number, amount, debtor, unstructured_remittance_information, requested_execution_at, and expires_at are required. amount must be a positive integer, the routing number must contain exactly 9 digits, and expires_at must not precede requested_execution_at. The debtor address must include country; creditor_name defaults to the account entity's name when omitted.