Payment order object

Use payment orders to send payment instructions to your banks through Numeral. Numeral receives payment orders, formats them, batches them if applicable, and sends them to your partner banks. Numeral retrieves and updates payment statuses. Payment status updates are sent to your webhooks as events.

Attribute	Description
id string	The payment order ID.
object string	Always `payment_order`.
connected_account_id string	The ID of the connected account used to send the payment order.
type string	The payment scheme or network. Supported values include: `sepa` `sepa_instant` `sepa_urgent` `bacs` `fps` `target2` `swift` `treasury` `icelandic_exp`
treasury_option string	The treasury payment option, when`type` = `treasury`. Supported treasury options include: `local`, for same-country treasury payments `international`, for cross-country treasury payments `safeguarding`, for treasury payments between settlement and safeguarding accounts `relocated`, to initiate payments from another bank than the connected account's bank, with whom an agreement has been signed
confidentiality_option string	Only confidentiality option supported is `payroll`.
fee_option string	Network payment fee preference. Only applicable to Swift payments (`type`=`swift`). Supported values include: `originator`: fee paid by the originating party `receiver`: paid by the receiving party `shared`: fee split between the originating and the receiving party
purpose string	The purpose code of the payment, ensuring compliance with regulatory requirements of certain beneficiary countries. Only applicable to `swift` payment types.
direction string	Either `credit` or `debit`, from the perspective of the receiving account: A `credit` payment order credits a counterparty account and debits your account A `debit`payment order debits a counterparty accounts credits your account Combined with the payment order `type`, the `direction` indicates the payment scheme or method used. For instance: A payment order with `type` = `sepa` and `direction` = `credit` is a SEPA credit transfer A payment order 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`. You can access the currencies smallest units for each currency here (XLS file).
currency string	The three-letter ISO 4217 currency code.
reference string	The payment reference as it will appear on the originating account and receiving account statements, with a maximum of 140 characters.
originating_account object	The account originating the payment. It must be filled for financial institution customers only and must be left empty for corporate customers. The `originating_account` object includes the following attributes: `account_number`: the account number of the originating account. See accepted account number formats here. `bank_code`: the BIC / Swift code or sort code, depending on the country and bank. Only upper case letters allowed `holder_name`: the name of the company or individual holding the account `creditor_identifier`: the creditor identifier, in case of SEPA direct debit or Bacs payments `holder_address`: the account holder address, as an address object
ultimate_originator object	The ultimate originator of the payment. Only applicable to payment service providers. It is composed of the following attributes: `holder_name`: the name of the ultimate originator, either an individual or a business `organization_identification`: an object either containing the `bank_code` of the ultimate originator or `other` that can hold additional information like its registration ID
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 It must be left empty if `receiving_account_id` is filled. The `receiving_account` object includes the following attributes: `account_number`: the account number of the receiving account. See accepted account number formats here . `bank_code`: the BIC / Swift code or sort code. Only upper case letters allowed `holder_name`: the name of the company or individual holding the account `holder_address`: the account holder address, as an address object
receiving_account_id string	The ID of the counterparty account receiving the payment. It must be left empty if `receiving_account` is filled. When `direction` = `credit`, the receiving account is the account to credited. When `direction` = `debit`, the receiving account is the account to debit.`
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` or `sepa_b2b` `sequence`: the mandate sequence, either `one_off` or `recurring`
direct_debit_mandate_id string	The direct debit mandate ID. It must be left empty if `direct_debit_mandate` is filled.
value_date date	The payment order value date. It might be updated as the payment is processed by the bank or the CSM.
requested_execution_date date	The payment order requested execution date. Only supported for direct debit payments.
status string	The payment order status. It will be updated as the payment order is processed. See Payment order lifecycle for a comprehensive list of payment order statuses.
status_details string	The payment order status details.
reconciliation_status string	The payment order reconciliation status. Either `unreconciled`, `reconciled`, or `partially_reconciled`.
reconciled_amount integer	The amount reconciled, calculated as the sum of the reconciliations created for this payment order.
auto_approval boolean	When `auto_approval` = `true`, the payment order is created in status `approved`. When `auto_approval` = `false`, the payment is created in status `pending_approval` and must be approved to be sent. Set to `false` by default.
retry_details object	All relevant information about the payment order retries. The `retry_details` object includes the following attributes: `payment_retry_rule_id`: the ID of the payment retry rule attached to the payment order. See Payment retry rule `original_payment_id`: the ID of the original payment order that led to the current object through a chain of retries `retried_from_payment_id`: the ID of the payment order the payment order has been retried from, in case the payment order is a retry `retried_to_payment_id`: the ID of the payment order the payment order has been retried to, in case the payment order has been retried. `retry_scheduled_at`: the UTC timestamp of the expected retry
metadata object	Additional data in JSON `key:value` format. See Metadata.
custom_fields object	Custom fields in JSON `key:value` format. See Custom fields.
bank_data object	Bank data in JSON `key:value` format. This object contains banking information managed by Numeral and determined by the specific integration rules of each bank. This includes fields such as `end_to_end_id` which are set according to banking protocols and cannot be set by users. Client-specific information can be stored in metadata and custom fields and will persist through the payment order processing in Numeral.
idempotency_key string	A unique key sent by the customer and used by Numeral to identify subsequent retries of the same request. See Idempotency.
created_at datetime	The UTC timestamp of the creation of the payment order.

📘
Execution date
A payment order does not have an execution date. The execution date is the date when the payment order is added to a payment file and sent to the bank, taking into consideration applicable your bank's cut-off time and CSM's calendar.
If you would like to schedule and execute a payment order on a specific date, you should create it on this date, taking into consideration applicable your bank's cut-off time and CSM's calendar.

Below are examples of payment orders:

{
   "id": "b69837bf-e784-4bd1-b0d0-2ad0e61a89b6",
   "idempotency_key": "a23a61d8-9adf-4bd2-a453-fd3938c8871f",
   "object": "payment_order",
   "connected_account_id": "254e3100-afd6-44f2-8084-87e8ae67b554",
   "type": "sepa",
   "treasury_option": null,
   "confidentiality_option": null,
   "direction": "credit",
   "amount": 2000,
   "currency": "EUR",
   "reference": "Invoice 1234",
   "originating_account": {
      "account_number": "FR7601234567890627967100010",
      "bank_code": "SOGEFRPP",
      "holder_name": "SoftwareCo",
      "creditor_identifier": "",
      "holder_address": {
         "line_1": "1, rue de l'Abondance",
         "line_2": "",
         "postal_code": "69003",
         "region_state": "",
         "city": "Lyon",
         "country": "FR"
      }
   },
   "receiving_account_id": "b38f5318-a389-4278-9cbe-d16116750982",
   "receiving_account": {
      "account_number": "FR7601234567891127967100082",
      "bank_code": "BNPAFRPPXXX",
      "holder_name": "PartnerCo",
      "holder_address": {
         "line_1": "1, rue de la Bourse",
         "line_2": "",
         "postal_code": "59000",
         "region_state": "",
         "city": "Lille",
         "country": "FR"
      }
   },
   "direct_debit_mandate": {},
   "direct_debit_mandate_id": "",
   "value_date": "2022-01-03",
   "requested_execution_date": "",
   "status": "executed",
   "status_details": "",
   "auto_approval": false,
   "retry_details":{
     "payment_retry_rule_id":"dec3336c-2ec6-47ee-a69f-33353c7fdfaf",
     "original_payment_id":"bf400636-dd95-426e-8a13-e9b49aa0838b",
     "retried_to_payment_id":"9dcdaab7-861c-4e3b-8101-44fef53e289f",
     "retried_from_payment_id":"e0362ec5-0292-40d9-b6ad-985528da0443",
     "retry_scheduled_at":"2022-01-03T11:53:19.734182Z",
   },
   "reconciled_amount": 2000,
   "reconciliation_status": "reconciled",
   "metadata": {},
   "custom_fields": {},
   "bank_data": {
      "file_id": "a815e756-5576-4d40-9fbd-38ec304b856c",
      "message_id": "1gXrtKMxLJ",
      "transaction_id": "1zDrzOMxCJ",
      "end_to_end_id": "c3b2d737bc"
   },
   "created_at": "2022-01-03T11:53:19.734182Z"
}

{
   "id": "b69837bf-e784-4bd1-b0d0-2ad0e61a89b6",
   "idempotency_key": "a23a61d8-9adf-4bd2-a453-fd3938c8871f",
   "object": "payment_order",
   "connected_account_id": "254e3100-afd6-44f2-8084-87e8ae67b554",
   "type": "sepa_instant",
   "treasury_option": null,
   "confidentiality_option": null,
   "direction": "credit",
   "amount": 2000,
   "currency": "EUR",
   "reference": "Invoice 1234",
   "originating_account": {
      "account_number": "FR7601234567890627967100010",
      "bank_code": "SOGEFRPP",
      "holder_name": "SoftwareCo",
      "creditor_identifier": "",
      "holder_address": {
         "line_1": "1, rue de l'Abondance",
         "line_2": "",
         "postal_code": "69003",
         "region_state": "",
         "city": "Lyon",
         "country": "FR"
      }
   },
   "receiving_account": {
      "account_number": "FR7601234567891127967100082",
      "bank_code": "BNPAFRPPXXX",
      "holder_name": "PartnerCo",
      "holder_address": {
         "line_1": "1, rue de la Bourse",
         "line_2": "",
         "postal_code": "59000",
         "region_state": "",
         "city": "Lille",
         "country": "FR"
      }
   },
   "direct_debit_mandate": {},
   "direct_debit_mandate_id": "",
   "retried_from_payment_id": "dec3336c-2ec6-47ee-a69f-33353c7fdfaf",
   "retried_to_payment_id": "",
   "value_date": "2022-01-03",
   "requested_execution_date": "",
   "status": "executed",
   "status_details": "",
   "auto_approval": false,
   "reconciled_amount": 2000,
   "reconciliation_status": "reconciled",
   "metadata": {},
   "bank_data": {
      "file_id": "a815e756-5576-4d40-9fbd-38ec304b856c",
      "message_id": "1gXrtKMxLJ",
      "transaction_id": "1zDrzOMxCJ",
      "end_to_end_id": "c3b2d737bc"
   },
   "created_at": "2022-01-03T11:53:19.734182Z"
}

{
   "id": "b69837bf-e784-4bd1-b0d0-2ad0e61a89b6",
   "idempotency_key": "a23a61d8-9adf-4bd2-a453-fd3938c8871f",
   "object": "payment_order",
   "connected_account_id": "254e3100-afd6-44f2-8084-87e8ae67b554",
   "type": "sepa",
   "treasury_option": null,
   "confidentiality_option": null,
   "direction": "debit",
   "amount": 2000,
   "currency": "EUR",
   "reference": "Invoice 1234",
   "originating_account": {
      "account_number": "FR7601234567890627967100010",
      "bank_code": "SOGEFRPP",
      "holder_name": "SoftwareCo",
      "creditor_identifier": "FR12ZZZ123456",
      "holder_address": {
         "line_1": "1, rue de l'Abondance",
         "line_2": "",
         "postal_code": "69003",
         "region_state": "",
         "city": "Lyon",
         "country": "FR"
      }
   },
   "receiving_account": {
      "account_number": "FR7601234567891127967100082",
      "bank_code": "BNPAFRPPXXX",
      "holder_name": "PartnerCo",
      "holder_address": {
         "line_1": "1, rue de la Bourse",
         "line_2": "",
         "postal_code": "59000",
         "region_state": "",
         "city": "Lille",
         "country": "FR"
      }
   },
   "direct_debit_mandate": {
      "reference": "DDb05e47338e87",
      "signature_date": "2022-07-14",
      "type": "sepa_core",
      "sequence": "recurring"
   },
   "direct_debit_mandate_id": "fc57af6a-2545-11ee-be56-0242ac120002",
   "retried_from_payment_id": "dec3336c-2ec6-47ee-a69f-33353c7fdfaf",
   "retried_to_payment_id": "",
   "value_date": "2022-01-03",
   "requested_execution_date": "2022-01-03",
   "status": "executed",
   "status_details": "",
   "auto_approval": false,
   "reconciled_amount": 2000,
   "reconciliation_status": "reconciled",
   "metadata": {},
   "bank_data": {
      "file_id": "a815e756-5576-4d40-9fbd-38ec304b856c",
      "message_id": "1gXrtKMxLJ",
      "transaction_id": "1zDrzOMxCJ",
      "end_to_end_id": "c3b2d737bc"
   },
   "created_at": "2022-01-01T11:53:19.734182Z"
}

📘Execution date

📘
Execution date