Europe

Supported payment methods and integration details for Single Euro Payments Area (SEPA)

Region Details

Currency: EUR (Euro)

Supported Payment Methods & Payload Requirements

Channel	Flow	`payment_method_type`	Required Payload Array / Fields	Destination / Operator	API Reference
SEPA Credit Transfer	Payout	`"bank"`	`bank: [{"bank_name": "...", "bank_code": "...", "branch_name": "...", "account_name": "...", "account_number": "..."}]`	European Banking Network (IBAN / BIC)	Payments API
SEPA Instant / Wire	Deposit	`"bank"`	Contact Support for EUR Inward Wire Details	European Commercial Banks	Collections API

Payment Flow: How It Works

Payouts (Disbursements)

Initiation: Send a POST request to the Unified Payments endpoint with currency: "EUR" and payment_method_type: "bank".
IBAN & BIC Details: Provide the recipient’s IBAN in account_number and BIC/SWIFT code in bank_code.
Settlement & Callback: Funds are routed via SEPA Credit Transfer, and Niobi delivers an asynchronous webhook callback (payment_step: 2, status: "success") upon execution.

Sample Requests & Responses

EUR SEPA Payout Request

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 1000,
        "client_callback_url": "https://example.com/callback",
        "currency": "EUR",
        "first_name": "John",
        "last_name": "Doe",
        "payment_method_type": "bank",
        "payment_reference": "YOUR-PAYOUT-REF",
        "third_party_reference_1": "TX-EUR-DISB-1001",
        "bank": [
            {
                "bank_name": "BNP Paribas",
                "bank_code": "BNPAFRPP",
                "branch_name": "Paris",
                "account_name": "John Doe",
                "account_number": "FR7630006000011234567890189"
            }
        ]
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

Try it

Try it: POST /api/v4/niobi-unified-collections

Collections API reference for EUR deposits.

Try it: POST /api/v4/niobi-unified-payments

Payments API reference for EUR payouts.

Transaction Limits

For the full list of minimum and maximum transaction limits for Europe (EUR) collections and payouts, please see the Transaction Limits for Europe section on the Transaction Limits page.

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API Authentication

Collecting Payments

Making Payments

Transaction Status

Supporting Documentation

Europe | Supported Payment Methods & Corridors

Europe

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Payouts (Disbursements)

Sample Requests & Responses

EUR SEPA Payout Request

Try it

Try it: POST /api/v4/niobi-unified-collections

Try it: POST /api/v4/niobi-unified-payments

Transaction Limits

​Europe

​Supported Payment Methods & Payload Requirements

​Payment Flow: How It Works

​Payouts (Disbursements)

​Sample Requests & Responses

​EUR SEPA Payout Request

​Try it

Try it: POST /api/v4/niobi-unified-collections

Try it: POST /api/v4/niobi-unified-payments

​Transaction Limits

Europe

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Payouts (Disbursements)

Sample Requests & Responses

EUR SEPA Payout Request

Try it

Transaction Limits