Phase 8: Transaction Operations

The final phase covers transaction operations: funding the wallet, preparing transfers, executing payments, and handling high-value transactions with document requirements.

Transaction Flow

Step 1: Fund Wallet (Topup)

Prepare Request
Prepare Response
Execute Request
Execute Response

Endpoint: POST /api/v2.1/fintrans/{accountId}/types/topup/prepareRequest Body:

{
  "sourceAccount": {
    "iban": "FR7612345678901234567890123",
    "accountHolder": "Acme Corporation Limited",
    "bic": "BNPAFRPP"
  },
  "targetAccount": {
    "walletId": "wallet-aa0e8400-e29b-41d4-a716-446655440120",
    "iban": "FR7630001007941234567890186"
  },
  "amount": {
    "value": "5000000",
    "currency": "EUR"
  },
  "description": "Initial wallet funding",
  "reference": "FUND-2026-001"
}

Status: 200 OK

{
  "code": 200,
  "message": "Topup order prepared successfully",
  "data": {
    "preparedOrderId": "prep-4455e8400-e29b-41d4-a716-446655440210",
    "operationType": "TOPUP",
    "status": "PREPARED",
    "amount": {
      "value": "5000000",
      "valueFormatted": "50000.00",
      "currency": "EUR"
    },
    "fees": {
      "value": "0",
      "valueFormatted": "0.00",
      "currency": "EUR"
    },
    "totalAmount": {
      "value": "5000000",
      "valueFormatted": "50000.00",
      "currency": "EUR"
    },
    "estimatedExecutionTime": "2026-01-15T17:00:00.000Z",
    "validUntil": "2026-01-15T20:00:00.000Z"
  }
}

Endpoint: POST /api/v2.1/fintrans/{accountId}/types/topup/executeRequest Body:

{
  "preparedOrderId": "prep-4455e8400-e29b-41d4-a716-446655440210",
  "consentConfirmation": {
    "confirmed": true,
    "confirmationMethod": "EXPLICIT"
  }
}

Status: 200 OK

{
  "code": 200,
  "message": "Topup executed successfully",
  "data": {
    "executionId": "exec-5566e8400-e29b-41d4-a716-446655440220",
    "orderId": "order-6677e8400-e29b-41d4-a716-446655440221",
    "status": "EXECUTING",
    "estimatedCompletionTime": "2026-01-15T17:00:00.000Z"
  }
}

Step 2: High-Value Transfer with Documents

For transactions ≥ €10,000, supporting documents may be required.

Upload Payment Document

Request
Response

Endpoint: POST /api/v2.1/fintrans/{walletId}/payment-documentsContent-Type: multipart/form-dataForm Data:

documentType: INVOICE
file: [invoice_INV-2026-001.pdf]
transactionReference: INV-2026-001
amount: 15000.00
currency: EUR
beneficiaryName: Supplier Corporation Ltd
description: Invoice payment for software licenses

Status: 201 Created

{
  "code": 201,
  "message": "Payment document uploaded successfully",
  "data": {
    "documentId": "doc-7788e8400-e29b-41d4-a716-446655440230",
    "transactionReference": "INV-2026-001",
    "status": "VERIFIED"
  }
}

Payment Document Types

Document Type	Description
`INVOICE`	Supplier invoice
`CONTRACT`	Service contract
`PURCHASE_ORDER`	Purchase order
`PROFORMA`	Proforma invoice
`TAX_DOCUMENT`	Tax-related document

Step 3: Prepare Business Transfer

Request
Response

Endpoint: POST /api/v2.1/fintrans/{accountId}/types/transfer/prepareRequest Body:

{
  "sourceAccount": {
    "walletId": "wallet-aa0e8400-e29b-41d4-a716-446655440120",
    "iban": "FR7630001007941234567890186"
  },
  "targetAccount": {
    "iban": "GB82WEST12345698765432",
    "beneficiaryName": "Supplier Corporation Ltd",
    "bic": "WESTGB21"
  },
  "amount": {
    "value": "1500000",
    "currency": "EUR"
  },
  "description": "Invoice payment #INV-2026-001",
  "reference": "INV-2026-001",
  "paymentConsentId": "consent-3344e8400-e29b-41d4-a716-446655440200",
  "supportingDocuments": [
    "doc-7788e8400-e29b-41d4-a716-446655440230"
  ],
  "metadata": {
    "invoiceNumber": "INV-2026-001",
    "invoiceDate": "2026-01-10",
    "purchaseOrderNumber": "PO-2026-001",
    "contractReference": "CNT-2024-001"
  }
}

Status: 200 OK

{
  "code": 200,
  "message": "Order prepared successfully",
  "data": {
    "preparedOrderId": "prep-8899e8400-e29b-41d4-a716-446655440240",
    "operationType": "TRANSFER",
    "status": "PREPARED",
    "amount": {
      "value": "1500000",
      "valueFormatted": "15000.00",
      "currency": "EUR"
    },
    "fees": {
      "value": "150",
      "valueFormatted": "1.50",
      "currency": "EUR"
    },
    "totalAmount": {
      "value": "1500150",
      "valueFormatted": "15001.50",
      "currency": "EUR"
    },
    "validUntil": "2026-01-15T20:00:00.000Z",
    "warnings": [],
    "requiredApprovals": [
      {
        "reason": "Amount exceeds approval threshold",
        "threshold": "5000000",
        "requiredRoles": ["TRANSACTION_APPROVER", "ADMIN_USER"]
      }
    ]
  }
}

Step 4: Execute Transfer

Request
Response

Endpoint: POST /api/v2.1/fintrans/{accountId}/types/transfer/executeRequest Body:

{
  "preparedOrderId": "prep-8899e8400-e29b-41d4-a716-446655440240",
  "consentConfirmation": {
    "confirmed": true,
    "confirmationMethod": "EXPLICIT",
    "confirmationTimestamp": "2026-01-15T16:00:00.000Z"
  }
}

Status: 200 OK

{
  "code": 200,
  "message": "Order executed successfully",
  "data": {
    "executionId": "exec-9900e8400-e29b-41d4-a716-446655440250",
    "orderId": "order-0011e8400-e29b-41d4-a716-446655440251",
    "preparedOrderId": "prep-8899e8400-e29b-41d4-a716-446655440240",
    "status": "EXECUTING",
    "executionTimestamp": "2026-01-15T16:00:30.000Z",
    "estimatedCompletionTime": "2026-01-15T17:00:00.000Z",
    "transactionReference": "TXN-20260115-001",
    "confirmationNumber": "CNF-20260115-001"
  }
}

Order Status Flow

Get Order Status

Request
Response

Endpoint: GET /api/v2.1/fintrans/{accountId}/orders/{orderId}

{
  "code": 200,
  "message": "Order retrieved successfully",
  "data": {
    "orderId": "order-0011e8400-e29b-41d4-a716-446655440251",
    "operationType": "TRANSFER",
    "status": "COMPLETED",
    "amount": "1500000",
    "amountFormatted": "15000.00",
    "currency": "EUR",
    "fees": "150",
    "feesFormatted": "1.50",
    "beneficiaryName": "Supplier Corporation Ltd",
    "beneficiaryIban": "GB82WEST12345698765432",
    "reference": "INV-2026-001",
    "transactionReference": "TXN-20260115-001",
    "createdAt": "2026-01-15T16:00:00.000Z",
    "executedAt": "2026-01-15T16:00:30.000Z",
    "completedAt": "2026-01-15T16:05:00.000Z"
  }
}

Fee Structure

Transaction Type	Fee
SEPA Transfer	€1.50
SWIFT Transfer	€15.00
Topup (Incoming)	Free
Internal Transfer	Free
Bulk Payment (per item)	€0.50

Complete B2B Flow Summary

┌─────────────────────────────────────────────────────────────┐
│ ORGANIZATION CUSTOMER COMPLETE LIFECYCLE                     │
└─────────────────────────────────────────────────────────────┘

Phase 1: Registration (10 min)
  └─→ Organization + Default Admin created

Phase 2: Personnel (20 min)
  └─→ Directors, Shareholders, Employees added

Phase 3: Verification (2-5 days)
  └─→ KYB documents submitted and approved

Phase 4: Consents (10 min)
  └─→ Organization consents with authorized signatory

Phase 5: Activation (instant)
  └─→ Role validation, IBAN generated, wallet activated

Phase 6: Beneficiaries (ongoing)
  └─→ Business beneficiaries with due diligence

Phase 7: Payment Consent (5 min)
  └─→ Consent with limits and restrictions

Phase 8: Transactions (ongoing)
  └─→ Topup, transfers, payments with documents

Error Handling

Common errors and troubleshooting

Best Practices

Implementation best practices

Client Categories

Product Suite

Service Models

CoreX Service Model

API Service Model

Hybrid Service Model

Phase 8: Transaction Operations

Phase 8: Transaction Operations

Transaction Flow

Step 1: Fund Wallet (Topup)

Step 2: High-Value Transfer with Documents

Upload Payment Document

Payment Document Types

Step 3: Prepare Business Transfer

Step 4: Execute Transfer

Order Status Flow

Get Order Status

Fee Structure

Complete B2B Flow Summary

Error Handling

Best Practices

Client Categories

Product Suite

Service Models

CoreX Service Model

API Service Model

Hybrid Service Model

​Phase 8: Transaction Operations

​Transaction Flow

​Step 1: Fund Wallet (Topup)

​Step 2: High-Value Transfer with Documents

​Upload Payment Document

​Payment Document Types

​Step 3: Prepare Business Transfer

​Step 4: Execute Transfer

​Order Status Flow

​Get Order Status

​Fee Structure

​Complete B2B Flow Summary

​Related Resources

Error Handling

Best Practices

Phase 8: Transaction Operations

Transaction Flow

Step 1: Fund Wallet (Topup)

Step 2: High-Value Transfer with Documents

Upload Payment Document

Payment Document Types

Step 3: Prepare Business Transfer

Step 4: Execute Transfer

Order Status Flow

Get Order Status

Fee Structure

Complete B2B Flow Summary

Related Resources