Phase 7: Payment Consent Setup

Payment consents define what transactions the organization can perform, including limits, allowed beneficiaries, and approval requirements.

Consent Type	Description
`TRANSFER`	Standard transfers to beneficiaries
`RECURRING`	Recurring/scheduled payments
`BULK`	Bulk payment processing
`INTERNATIONAL`	Cross-border transfers

Request
Response

Endpoint: POST /api/v2.1/fintrans/{walletId}/payment-consents/types/transferHeaders:

Authorization: Bearer {jwt-token}
Content-Type: application/json

Request Body:

{
  "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"
  }
}

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

Request
Response

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

​Phase 7: Payment Consent Setup

​Consent Types

​Create Payment Consent

​Consent Limits

​Beneficiary Restrictions

​Approval Requirements

​Approval Workflow

​Frequency Limits

​List Payment Consents

​Next Step

Phase 8: Transaction Operations

Phase 7: Payment Consent Setup

Consent Types

Create Payment Consent

Consent Limits

Beneficiary Restrictions

Approval Requirements

Approval Workflow

Frequency Limits

List Payment Consents

Next Step