Create Payment

Initiate a B2B bank transfer to a recipient IBAN.

POST

***

Request Parameters

Name	Type	Description
`public_key`Required	`String`	Merchant public key.
`order_id`Required	`String`	Unique order identifier generated by the merchant. Returned in the response and used for status tracking.
`amount`Required	`Number`	Transfer amount. Min: `0.01`, Max: `40000`.
`description`Required	`String`	Payment description. Max 255 characters.
`iban`Required	`String`	Recipient IBAN. Must start with `AZ`. Example: `AZ29ABCD38053AZN00A7100186514`.
`name`Required	`String`	Recipient name. Max 255 characters.
`tin`Required	`String`	Recipient TIN. 10 digits, last digit `1` (individual) or `2` (legal entity). Example: `1234567891`.
`bank_code`Required	`String`	Recipient bank code. Example: `505141`.
`bank_name`Optional	`String`	Recipient bank name.
`email`Optional	`String`	Recipient email.
`address`Optional	`String`	Recipient address.
`additional_info`Optional	`String`	Additional information.
`bulk_description`Optional	`String`	Bulk payment description.
`webhook_url`Optional	`String`	URL for terminal status notifications.

Request Example

Send Request

Payload

{
  "public_key": "YOUR_PUBLIC_KEY",
  "order_id": "order-20240430-001",
  "amount": "1000.00",
  "description": "Advance payment",
  "iban": "AZ29ABCD000000000000000000000",
  "name": "Technology LLC",
  "tin": "1234567891",
  "bank_code": "505141",
  "bank_name": "Example Bank",
  "webhook_url": "https://yoursite.com/webhooks/epoint-b2b-payment"
}

1DATA=$(echo -n '{"public_key":"YOUR_PUBLIC_KEY","order_id":"order-20240430-001","amount":"1000.00","description":"Advance payment","iban":"AZ29ABCD000000000000000000000","name":"Technology LLC","tin":"1234567891","bank_code":"505141"}' | base64)
2SIGNATURE=$(echo -n "$PRIVATE_KEY$DATA$PRIVATE_KEY" | openssl dgst -sha1 -binary | base64)
3
4curl -X POST *** \
5-H "Content-Type: application/json" \
6-d "{\"data\":\"$DATA\",\"signature\":\"$SIGNATURE\"}"

Response Parameters

Name	Type	Description
`status`Required	`String`	Operation result: `success` or `error`.
`order_id`Optional	`String`	The merchant-provided order identifier, echoed back from the request.
`bulkId`Optional	`String`	Bank bulk operation identifier.

Response

1{
2  "status": "success",
3  "order_id": "order-20240430-001",
4  "bulkId": "11523"
5}

Error Codes

HTTP Code	Reason
`422`	Validation error or malformed `data`
`403`	Merchant not found or inactive
`500`	Signature mismatch or internal error

Webhook Notification

When a terminal status (SUCCESS or FAILED) is reached, a POST request is sent to the webhook_url.

{
  "order_id":      "order-20240430-001",
  "status":        "success",
  "amount":        "1000.00",
  "payee_iban":    "AZ29ABCD000000000000000000000",
  "payee_name":    "Technology LLC",
  "error_message": null
}

`status`	Meaning
`success`	`BANK_SUCCESS` — payment completed
`failed`	Any terminal error status

Your webhook endpoint must return 200 OK. On failure, retried 4 times with exponential backoff (60s → 120s → 180s → 240s).