An incoming payment is a payment received in a pacs.008 / MT103 (credit transfer), pacs.003 (direct debit), or any other message. Mambu Payments receives payments from your partner banks and CSMs and creates incoming payments. Incoming payments are sent to your webhooks as events.

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Incoming payments are only available to indirect and direct participants to payment schemes.

Attribute	Description
id string	The incoming payment ID.
object string	Always `incoming_payment`.
connected_account_id string	The ID of the connected account that receives the incoming payment.
type string	The payment scheme or network. Supported values are listed in the payment types page.
direction string	Either `credit` or `debit`, from the perspective of the receiving account: - A `credit` incoming payment debits a counterparty account and credits the receiving account - A `debit` incoming payment credits a counterparty account and debits the receiving account Combined with the payment order `type`, the `direction` indicates the payment scheme or method used. For instance: - An incoming payment with `type` = `sepa` and `direction` = `credit` is a SEPA credit transfer - An incoming payment with `type` = `sepa` and `direction` = `debit` is a SEPA direct debit - An incoming payment with `type` = `fps` and `direction` = `credit` is a Faster Payments credit transfer - An incoming payment with `type` = `bacs` and `direction` = `debit` is a Bacs direct debit
amount integer	The payment amount, in the currency's smallest unit. For instance, euro smallest unit is cents and €20 is thus represented as `2000`.
currency string	The three-letter ISO 4217 currency code. See Currency codes and decimals for currency codes supported.
reference string	The payment reference as it appears on the originating account and receiving account statements, with a maximum of 140 characters. Usually, either the `reference` or `structured_reference` are provided, but not both at the same time. See payment references .
structured_reference object	If provided, the structured payment reference. Usually, either the `reference` or `structured_reference` are provided, but not both at the same time. See payment references.
purpose string	The purpose code of the payment, ensuring compliance with regulatory requirements of certain beneficiary countries.
category_purpose_code string	The category purpose of the payment.
uetr string	Unique end-to-end transaction reference (UETR). Can be used to track payments with Swift GPI.
originating_account object	The account originating the payment. The `originating_account` object includes the following attributes: - `account_number`: the account number of the originating account - `bank_code`: the BIC / Swift code or sort code, depending on the country and bank. Only upper case letters are allowed - `fi_bank_code`: Bank code/BIC of the originating financial institution. Only filled when receiving `type` = `swift_fi_to_fi` or `target2_fi_to_fi` incoming payments. - `holder_name`: the name of the company or individual holding the account - `creditor_identifier`: the creditor identifier or service user number (SUN), in case of SEPA or Bacs direct debit payments - `holder_address`: the account holder address, as an address object - `organization_identification`: the account organization identification, as an organization identification object - `private_identification`: the account private identification, as a private identification object
receiving_account object	The account receiving the payment: - If `direction` = `credit`, the receiving account is the account to credit - If `direction` = `debit`, the receiving account is the account to debit The `receiving_account` object includes the following attributes: - `account_number`: the account number of the receiving account - `bank_code`: the BIC / Swift code or sort code. Only upper case letters are allowed - `fi_bank_code`: Bank code/BIC of the receiving financial institution. Only filled when receiving `type` = `swift_fi_to_fi` or `target2_fi_to_fi` incoming payments. - `holder_name`: the name of the company or individual holding the account - `holder_address`: the address of the account holder, as an address object - `organization_identification`: the account organization identification, as an organization identification object - `private_identification`: the account private identification, as a private identification object
receiving_account_id string	The ID of the Internal account that receives the payment, when successfully detected.
ultimate_originator object	The account ultimately originating the payment (e.g ultimate debtor or ultimate creditor). If provided, this object can contain: - `holder_name`: the name of the company or individual holding the account - `holder_address`: the account holder address, as an address object - `organization_identification`: the account organization identification, as an organization identification object - `private_identification`: the account private identification, as a private identification object
direct_debit_mandate object	The mandate authorizing the direct debit, only for direct debit payments. The `direct_debit_mandate` object includes the following attributes: - `reference`: the mandate reference. It will appear on the account statement of the account debited - `signature_date`: the mandate signature date - `type`: the mandate type, either `sepa_core`, `sepa_b2b`, or `bacs_debit` - `sequence`: the mandate sequence, either `first`, `recurring`, `one_off` or `final`
direct_debit_mandate_id string	The direct debit mandate ID.
value_date date	The incoming payment value date.
requested_execution_date date	The incoming payment requested execution date.
initiated_at datetime	The payment order initiation UTC timestamp with ISO 8601 format to the milliseconds without trailing zeros. Only supported for `sepa_instant` payments.
status string	The incoming status payment. It is updated as the incoming payment is processed. See Incoming payment lifecycle for a comprehensive list of incoming payment statuses.
status_details string	The incoming payment status details.
instructing_agent string	BIC of the financial institution having sent the payment instruction. Only filled for Swift correspondent payments.
instructed_agent string	BIC of the financial institution having received the payment instruction. Only filled for Swift correspondent payments.
settlement_method string	Settlement method of the payment. Only filled for Swift correspondent payments. Values can be: - `instructing_agent`: when the settlement was performed by the instructing agent - `instructed_agent`: when the settlement should be done by the instructed agent - `cover`: when the settlement will be performed separately using a cover payment `clearing`: when the settlement was or should be done via a clearing system/market infrastructure
settlement_account string	Nostro/vostro account to be used for the settlement of the payment. Only filled for Swift correspondent payments.
instructing_settlement_agent string	BIC of the financial institution used by the instructing agent to settle the funds. Only filled for Swift correspondent payments.
instructed_settlement_agent string	BIC of the financial institution to be used by the instructed agent to settle the funds. Only filled for Swift correspondent payments.
previous_instructing_agents object	Only applicable to `swift_fi_to_fi` and `target2_fi_to_fi` payments.
fi_to_fi_option string	Filled when the incoming payment `type` is `swift_fi_to_fi` or `target2_fi_to_fi`, to capture whether the FI-to-FI payment is a `core`, `cover`, or `advi` incoming payment.
related_payment_id string	Filled when `type` is `swift_fi_to_fi` or `target2_fi_to_fi`, and if `fi_to_fi_option` = "cover". UUID of another Mambu incoming payment linked with the current cover payment.
related_payment_type string	Filled when the `related_payment_id` attribute is filled, with the Mambu incoming payment type. Usually `incoming_payment`.
related_payment object	Filled when `type` is `swift_fi_to_fi` or `target2_fi_to_fi`, and if `fi_to_fi_option` = "cover". Only filled if `related_payment_id` could not be found among existing payments.
reconciliation_status string	The incoming payment reconciliation status. Either `unreconciled`, `reconciled`, or `partially_reconciled`.
reconciled_amount integer	The amount reconciled, calculated as the sum of the reconciliations created for this incoming payment.
payment_validation object	Information about the payment validation, like the validation rules and validation statuses.
metadata object	Additional data in JSON `key:value` format. See Metadata.
bank_data object	Bank data in JSON `key:value` format. This object contains banking information managed by Mambu Payments (formerly Numeral) and comes from the originating bank that sent the payment. This includes fields such as `end_to_end_id` which are set according to banking protocols.
cbs_data _object	This object contains all relevant information about the payment in the context of the integration with Mambu Core. Learn more in our dedicated guides Mambu Deposits integration and Mambu Lending integration.
created_at datetime	The UTC creation timestamp of the incoming payment.

Below are examples of incoming payments:

{
    "id": "6607e355-7d2c-588b-9deb-403b0a91f89b",
    "object": "incoming_payment",
    "connected_account_id": "eca92b9e-6725-4233-9943-5e9bbf033e9c",
    "type": "sepa",
    "direction": "credit",
    "amount": 5000,
    "currency": "EUR",
    "reference": "Payment ID 1zVrqOXmCS",
    "purpose": "SALA",
    "category_purpose_code": "B2B",
    "originating_account": {
        "account_number": "FR7688511000011234567890107",
        "bank_code": "BNPAFRPP",
        "holder_name": "PartnerCo",
        "creditor_identifier": "",
        "holder_address": {
            "line_1": "119, avenue du General Michel Bizot",
            "line_2": "75012 Paris",
            "postal_code": "",
            "region_state": "",
            "city": "Paris",
            "country": "FR"
        },
        "organization_identification": {
            "legal_entity_identifier": "L3I9ZG2KFGXZ61BMYR72"
        }
    },
    "receiving_account": {
        "account_number": "FR7688511000011234567890107",
        "bank_code": "SOGEFRPP",
        "holder_name": "TechCo",
        "holder_address": {
            "line_1": "1, rue de la Paix",
            "line_2": "",
            "postal_code": "75001",
            "region_state": "",
            "city": "Paris",
            "country": "FR"
        },
        "organization_identification": {
            "legal_entity_identifier": "L3I9ZG2KFGXZ61BMYR72"
        }
    },
    "receiving_account_id": "5223b2a0-919f-4bb0-baf3-ea866c222fef",
    "direct_debit_mandate": {},
    "direct_debit_mandate_id": "",
    "value_date": "2022-01-03",
    "requested_execution_date": "",
    "status": "received",
    "status_details": "",
    "reconciled_amount": 5000,
    "reconciliation_status": "reconciled",
    "payment_validation": {
        "status": "successful",
        "validation_results": [{
            "payment_validation_rule_id": "f1613230-50d6-49cd-89d1-0f019f71f7c7",
            "status": "successful",
            "validations": [
                [{
                    "type": "liquidity_screening",
                    "status": "successful",
                    "status_details": "balance correct",
                    "resource_id": "123-ABC",
                    "resource_url": "my-liquidity.com/123-ABC"
                }],
                [{
                    "type": "sanctions_screening",
                    "status": "successful",
                    "status_details": "no match",
                    "resource_id": "DEF-456",
                    "resource_url": "my-sanction.com/DEF-456"
                }]
            ]
        }]
    },
    "metadata": {},
    "bank_data": {
        "end_to_end_id": "1zVrqOXmCS",
        "file_id": "6fc0018b-4c4a-5d50-9f61-a054a1960bd9",
        "message_id": "RirbvB2eEi",
        "transaction_id": "1zVrqOXmCS"
    },
    "cbs_data": {
      "transactions": [{
        "id": "1534",
        "type": "withdrawal",
        "channel": "cash",
        "context": "deposit",
        "booked_at": "2026-03-03T13:04:12.886736405Z",
        "account_id": "JELM775",
        "external_id": "019cb3cc-3b38-7d0a-b2be-58e8aeea2486",
        "authorization_id": "bcee9199-3194-449c-bd73-750e4d3454e6"
      }],
      "loan_ids": null,
      "credit_arrangement_id": null
    },
    "created_at": "2024-10-03T14:18:03.841642Z"
}

{
   "id": "6607e355-7d2c-588b-9deb-403b0a91f89b",
   "object": "incoming_payment",
   "connected_account_id": "eca92b9e-6725-4233-9943-5e9bbf033e9c",
   "type": "sepa_instant",
   "direction": "credit",
   "amount": 5000,
   "currency": "EUR",
   "reference": "Payment ID 1zVrqOXmCS",
   "originating_account": {
      "account_number": "FR7688511000011234567890107",
      "bank_code": "BNPAFRPP",
      "holder_name": "PartnerCo",
      "holder_address": {
         "line_1": "119, avenue du General Michel Bizot",
         "line_2": "75012 Paris",
         "postal_code": "",
         "region_state": "",
         "city": "Paris",
         "country": "FR"
      },
      "organization_identification": {
         "legal_entity_identifier": "L3I9ZG2KFGXZ61BMYR72"
      }
   },
   "receiving_account": {
      "account_number": "FR7688511000011234567890107",
      "bank_code": "SOGEFRPP",
      "holder_name": "TechCo",
      "holder_address": {
         "line_1": "1, rue de la Paix",
         "line_2": "",
         "postal_code": "75001",
         "region_state": "",
         "city": "Paris",
         "country": "FR"
      },
      "organization_identification": {
         "legal_entity_identifier": "L3I9ZG2KFGXZ61BMYR72"
      }
   },
   "direct_debit_mandate": {},
   "direct_debit_mandate_id": "",
   "value_date": "2022-01-03",
   "requested_execution_date": "",
   "status": "confirmed",
   "status_details": "",
   "reconciled_amount": 5000,
   "reconciliation_status": "reconciled",
   "metadata": {},
   "bank_data": {
      "end_to_end_id": "1zVrqOXmCS",
      "file_id": "6fc0018b-4c4a-5d50-9f61-a054a1960bd9",
      "message_id": "RirbvB2eEi",
      "transaction_id": "1zVrqOXmCS"
   },
   "created_at": "2022-01-03T14:18:03.841642Z"
}

{
   "id": "6607e355-7d2c-588b-9deb-403b0a91f89b",
   "object": "incoming_payment",
   "connected_account_id": "eca92b9e-6725-4233-9943-5e9bbf033e9c",
   "type": "sepa",
   "direction": "debit",
   "amount": 5000,
   "currency": "EUR",
   "reference": "Payment ID 1zVrqOXmCS",
   "originating_account": {
      "account_number": "FR7688511000011234567890107",
      "bank_code": "BNPAFRPP",
      "holder_name": "PartnerCo",
      "creditor_identifier": "FR12ZZZ123456",
      "holder_address": {
         "line_1": "119, avenue du General Michel Bizot",
         "line_2": "75012 Paris",
         "postal_code": "",
         "region_state": "",
         "city": "Paris",
         "country": "FR"
      },
      "organization_identification": {
         "legal_entity_identifier": "L3I9ZG2KFGXZ61BMYR72"
      }
   },
   "receiving_account": {
      "account_number": "FR7688511000011234567890107",
      "bank_code": "SOGEFRPP",
      "holder_name": "TechCo",
      "holder_address": {
         "line_1": "1, rue de la Paix",
         "line_2": "",
         "postal_code": "75001",
         "region_state": "",
         "city": "Paris",
         "country": "FR"
      },
      "organization_identification": {
         "legal_entity_identifier": "L3I9ZG2KFGXZ61BMYR72"
      }
   },
   "direct_debit_mandate": {
      "reference": "78jjeEr533re",
      "signature_date": "2022-07-14",
      "type": "sepa_core",
      "sequence": "recurring"
   },
   "direct_debit_mandate_id": "fc57af6a-2545-11ee-be56-0242ac120002",
   "value_date": "2022-01-03",
   "requested_execution_date": "2022-01-06",
   "status": "received",
   "status_details": "",
   "reconciled_amount": 5000,
   "reconciliation_status": "reconciled",
   "metadata": {},
   "bank_data": {
      "end_to_end_id": "1zVrqOXmCS",
      "file_id": "6fc0018b-4c4a-5d50-9f61-a054a1960bd9",
      "message_id": "RirbvB2eEi",
      "transaction_id": "1zVrqOXmCS"
   },
   "created_at": "2022-01-03T14:18:03.841642Z"
}

{
    "id": "7c7f42f1-c099-5616-844b-2dbe15e3db0e",
    "object": "incoming_payment",
    "type": "swift",
    "direction": "credit",
    "amount": 15000,
    "currency": "USD",
    "connected_account_id": "5011eb2a-7b35-424e-9fbb-d2a826db3441",
    "status": "received",
    "status_details": "",
    "purpose": "SALA",
    "category_purpose_code": "INTC",
    "uetr": "bf70bfd8-4c25-4fb3-a6b7-47b683458801",
    "value_date": "2025-09-19",
    "instructing_agent": "SOMEBIC0XXX",
    "instructed_agent": "SOMEBIC1XXX",
    "settlement_method": "cover",
    "fi_to_fi_option": null,
    "settlement_account": "DE21740201003838818388",
    "instructing_settlement_agent": "INGBROBUXXX",
    "instructed_settlement_agent": "RZBRROBUXXX",
    "fee_option": "originator",
    "reference": "Invoice 5362153",
    "originating_account": {
        "account_number": "FR3612739000507477727949L14",
        "bank_code": "SOMEBIC1YYY",
        "organization_identification": {
            "legal_entity_identifier": null,
            "business_identification_code": null,
            "default_other_identifier_type": null,
            "others": [{
                "type": "company_identification",
                "value": "7872E73"
            }]
        },
        "private_identification": null,
        "holder_name": "Abernathy, Gislason and Schmitt",
        "holder_address": {
            "line_1": "",
            "line_2": "",
            "room": null,
            "floor": null,
            "postal_box": null,
            "department": null,
            "sub_department": null,
            "building_number": "129",
            "building_name": null,
            "street_name": "rue Montorgueil",
            "postal_code": "75010",
            "region_state": "Ile-de-France",
            "district_name": null,
            "city_location_name": null,
            "city": "Paris",
            "country": "FR"
        },
        "creditor_identifier": ""
    },
    "receiving_account": {
        "account_number": "AT231936041623218866",
        "bank_code": "SOMEBIC1XXX",
        "organization_identification": {
            "legal_entity_identifier": "5493000IBP32UQZ0KL24",
            "business_identification_code": null,
            "default_other_identifier_type": null,
            "others": null
        },
        "private_identification": null,
        "holder_name": "Alice Littel",
        "holder_address": {
            "line_1": "",
            "line_2": "",
            "room": null,
            "floor": null,
            "postal_box": null,
            "department": null,
            "sub_department": null,
            "building_number": "179",
            "building_name": null,
            "street_name": "Murphy Crest",
            "postal_code": "783127",
            "region_state": "Bavaria",
            "district_name": null,
            "city_location_name": null,
            "city": "Munich",
            "country": "DE"
        }
    },
    "receiving_account_id": "",
    "ultimate_originator": {
        "holder_name": "Ora Moen",
        "holder_address": null,
        "organization_identification": null,
        "private_identification": {
            "birth_date": "",
            "birth_city": "",
            "birth_country": "",
            "other": {
                "identification": "432554525",
                "identification_type": "passport_number",
                "custom_identification_type": "",
                "identification_issuer": ""
            }
        }
    },
    "intermediary_agents": [{
        "organization_identification": {
            "legal_entity_identifier": "5493000IBP32UQZ0KL24",
            "name": "Acme PSP",
            "bank_code": "SOMEBIC1XXX"
        }
    }],
    "reconciliation_status": "unreconciled",
    "reconciled_amount": 0,
    "payment_validation": null,
    "initiated_at": null,
    "metadata": {},
    "direct_debit_mandate": null,
    "direct_debit_mandate_id": "",
    "direct_debit_sequence_type": null,
    "requested_execution_date": "",
    "bank_data": {
        "end_to_end_id": "3HJ2HJ4H23J4J",
        "file_id": "51d7f695-bc28-50d0-804b-3580ed07e6a4",
        "file_reference": "32103NK234K21",
        "message_id": "JK432HJ4H3J24HJ324",
        "original_instruction_id": "hjhjhj233JJ",
        "transaction_id": "218012b6-8de2-5c5e-8e05-d791153ab26f"
    },
    "created_at": "2025-10-02T13:31:50.485855Z",
    "idempotency_key": "",
    "cbs_data": null
}