Phase 7: Payment Consent Setup
Payment consents define what transactions the organization can perform, including limits, allowed beneficiaries, and approval requirements.
Consent Types
| Consent Type | Description |
|---|
TRANSFER | Standard transfers to beneficiaries |
RECURRING | Recurring/scheduled payments |
BULK | Bulk payment processing |
INTERNATIONAL | Cross-border transfers |
Create Payment Consent
Endpoint: POST /api/v2.1/fintrans/{walletId}/payment-consents/types/transferHeaders:Authorization: Bearer {jwt-token}
Content-Type: application/json
{
"title": "Regular Business Payments Consent",
"description": "Monthly supplier and vendor payments",
"validFrom": "2026-01-15T00:00:00.000Z",
"validTo": "2026-12-31T23:59:59.000Z",
"maxUsageCount": 500,
"limits": {
"perTransaction": {
"amount": 10000000,
"currency": "EUR"
},
"perDay": {
"amount": 20000000,
"currency": "EUR"
},
"perMonth": {
"amount": 50000000,
"currency": "EUR"
}
},
"beneficiaryRestrictions": {
"allowedAccounts": [
"GB82WEST12345698765432",
"FR7612345678901234567890123",
"DE89370400440532013000"
],
"allowedTypes": ["INTERNAL", "SEPA", "SWIFT"],
"allowNewBeneficiaries": false,
"requireBeneficiaryName": true,
"requireInvoiceReference": true
},
"frequencyLimit": {
"maxTransactionsPerDay": 50,
"maxTransactionsPerWeek": 200,
"maxTransactionsPerMonth": 500
},
"approvalRequirements": {
"requiresApproval": true,
"approvalThreshold": 5000000,
"approverRoles": ["TRANSACTION_APPROVER", "ADMIN_USER"],
"minimumApprovers": 1
}
}
Status: 201 Created{
"code": 201,
"message": "Payment consent created successfully",
"data": {
"id": "consent-3344e8400-e29b-41d4-a716-446655440200",
"consentType": "PAYMENT_CONSENT",
"status": "ACCEPTED",
"title": "Regular Business Payments Consent",
"validFrom": "2026-01-15T00:00:00.000Z",
"validTo": "2026-12-31T23:59:59.000Z",
"maxUsageCount": 500,
"currentUsageCount": 0,
"limits": {
"perTransaction": { "amount": 10000000, "currency": "EUR" },
"perDay": { "amount": 20000000, "currency": "EUR" },
"perMonth": { "amount": 50000000, "currency": "EUR" }
},
"beneficiaryRestrictions": {
"allowedAccounts": [...],
"allowNewBeneficiaries": false
},
"frequencyLimit": {
"maxTransactionsPerDay": 50,
"maxTransactionsPerWeek": 200,
"maxTransactionsPerMonth": 500
},
"approvalRequirements": {
"requiresApproval": true,
"approvalThreshold": 5000000
},
"createdAt": "2026-01-15T15:30:00.000Z"
}
}
Consent Limits
Amount Format: All amounts are in minor units (cents). Example: 10000000 = €100,000.00
| Limit Type | Description |
|---|
perTransaction | Maximum amount per single transaction |
perDay | Maximum total amount per day |
perMonth | Maximum total amount per month |
Beneficiary Restrictions
| Field | Description |
|---|
allowedAccounts | List of allowed beneficiary IBANs |
allowedTypes | Allowed beneficiary types (INTERNAL, SEPA, SWIFT) |
allowNewBeneficiaries | Allow payments to new beneficiaries |
requireBeneficiaryName | Require beneficiary name verification |
requireInvoiceReference | Require invoice reference for payments |
When allowNewBeneficiaries is false, transactions to beneficiaries not in allowedAccounts will be rejected.
Approval Requirements
| Field | Description |
|---|
requiresApproval | Enable approval workflow |
approvalThreshold | Amount threshold for approval (in cents) |
approverRoles | Roles that can approve |
minimumApprovers | Minimum number of approvers required |
Approval Workflow
Frequency Limits
| Limit | Description |
|---|
maxTransactionsPerDay | Max transactions in 24 hours |
maxTransactionsPerWeek | Max transactions in 7 days |
maxTransactionsPerMonth | Max transactions in 30 days |
List Payment Consents
Endpoint: GET /api/v2.1/fintrans/{walletId}/payment-consents
{
"code": 200,
"message": "Payment consents retrieved successfully",
"data": [
{
"id": "consent-3344e8400-e29b-41d4-a716-446655440200",
"title": "Regular Business Payments Consent",
"status": "ACCEPTED",
"validFrom": "2026-01-15T00:00:00.000Z",
"validTo": "2026-12-31T23:59:59.000Z",
"currentUsageCount": 5,
"maxUsageCount": 500
}
]
}
Next Step
After setting up payment consents, proceed to Phase 8: Transaction Operations.
Phase 8: Transaction Operations
Execute transfers and manage transactions
