Initiate Payment

POST

https://staginggateway.fintainium.com/gateway/payment

The Initiate Payment API allows your business to send funds directly to vendors (Recipients) to settle Accounts Payable (AP) bills securely and efficiently. This API enables businesses to make vendor payouts by providing recipient details, payout amounts, and optional metadata. Each payment generates a Transaction record for tracking and reconciliation.

Key features:

Send single or bulk payouts to vendors.

Specify payment method, currency, and amount.

Automatically create a Transaction record for each payout.

Optionally notify vendors or send email invitations for payout preferences.

Integrates with vendor metadata for reporting and reconciliation.

Ideal for streamlining vendor payments and managing AP workflows.

Request

Header Params

Body Params application/json

Examples

Responses

🟢200Success

application/json

Bodyapplication/json

Request Example

Shell

JavaScript

Java

Swift

curl --location 'https://staginggateway.fintainium.com/gateway/payment' \
--header 'sessionKey: z4FEVD7d2SVGG0B8QF1rXUTMqzUDncOT' \
--header 'Content-Type: application/json' \
--data '{
    "businessId": "3281525",
    "internalId": "110033",
    "reference": "FCB-card-05",
    "amount": "2.00",
    "type": {
    "deposit": {
        "paymentMethod": {
            // Choose ONLY ONE of the following: ach OR echeck:
            "ach": {
                "accountNumber": "123456789",
                "routingNumber": "987654321",
                "accountName": "John Doe",
                "accountType": "Business"
            }
            // OR
            "echeck": {
                "printNameOnEcheck": "acb xyz"
                "autoGenerate": false,
                "checkNumber": "908549"
            }
        }
    }
},    
    "transactionDate": "12/17/2024"
}'

Response Example

{
    "statusCode": 200,
    "actionCode": "00",
    "message": "Payment details received successfully, payment processing in progress",
    "failedCount": 0,
    "failedMessageList": [],
    "successCount": 1,
    "type": "deposit",
    "businessId": "3295462",
    "internalId": "123456",
    "reference": "Test9101",
    "authcode": "",
    "transactionid": "",
    "paymentMethodId": 0,
    "description": "",
    "name": "",
    "accountName": "",
    "nameOnCard": "",
    "printName": "",
    "printNameOnEcheck": "acb xyz",
    "autoGenerateEcheck": false,
    "echeckNumber": "90008549",
    "status": false,
    "isTempCard": false,
    "isDefault": false,
    "archive": false,
    "transmissionDateTime": "2024-12-17 01:05:15"
}

Modified at 2025-12-09 14:24:17

View Vendor Details

Add Payment Method