Payment

Since all money is stored in MonetaryAccounts, every transaction—whether sending or receiving—flows through them. The Payment object represents these transactions, and includes both incoming and outgoing payments. When you list a user’s payments, you’ll get the full history of both.

While you can’t control incoming payments (surprise deposits are always welcome, right?), you can create outgoing payments in a few different ways using the API:

🚀 Types of Outgoing Payments

All outgoing payments are based on the core Payment object but are handled through different endpoints depending on the type:

• Single Payment A standard payment to one counterparty. POST /user/{userId}/monetary-account/{monetaryAccountId}/payment

• Payment Batch A list of payments to be sent in one go. POST /user/{userId}/monetary-account/{monetaryAccountId}/payment-batch

• Draft Payment A payment that needs to be reviewed and accepted by the user. POST /user/{userId}/monetary-account/{monetaryAccountId}/draft-payment

• Scheduled Payment A payment set to be sent in the future. POST /user/{userId}/monetary-account/{monetaryAccountId}/schedule-payment

• Scheduled Payment Batch Multiple scheduled payments bundled together. POST /user/{userId}/monetary-account/{monetaryAccountId}/schedule-payment-batch

🔁 Draft scheduled payments (recurring payments pending approval) also fall under the DraftPayment endpoint, depending on how you want your UX to behave.

🧾 What You Need to Create a Payment

To make any outgoing payment, you’ll need two things:

• The amount to send

• The receiver (which we call counterparty_alias)

You can identify the receiver using one of the following pointer types:

• EMAIL

• PHONE_NUMBER

• IBAN

Example

{
    "Response": [
        {
            "Payment": {
                "id": 26174613,
                "created": "2025-07-21 09:16:50.008916",
                "updated": "2025-07-21 09:16:50.008916",
                "monetary_account_id": 2428053,
                "amount": {
                    "currency": "EUR",
                    "value": "-0.10"
                },
                "payment_fee": null,
                "description": "test",
                "type": "BUNQ",
                "merchant_reference": null,
                "alias": {
                    "iban": "NL51BUNQ2093937468",
                    "is_light": false,
                    "display_name": "A. Visser",
                    "avatar": {
                        "uuid": "659e794e-f55e-4cfe-9f6d-465622cf43da",
                        "image": [
                            {
                                "attachment_public_uuid": "523b48a0-7a77-4598-9920-86f26135fef0",
                                "height": 1023,
                                "width": 1024,
                                "content_type": "image/png",
                                "urls": [
                                    {
                                        "type": "ORIGINAL",
                                        "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/921ece497cd00f4e0cef3f0f63a962c31cf3f8e35311d127d5a7b23be3d074d5.png"
                                    }
                                ]
                            }
                        ],
                        "anchor_uuid": null,
                        "style": "NONE"
                    },
                    "label_user": {
                        "uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
                        "display_name": "A. Visser",
                        "country": "NL",
                        "avatar": {
                            "uuid": "9debf55b-70b1-4d43-8d51-d6e7bd42fb5b",
                            "image": [
                                {
                                    "attachment_public_uuid": "4b7e0d1d-9167-48ac-990a-70e342c87812",
                                    "height": 126,
                                    "width": 200,
                                    "content_type": "image/jpeg",
                                    "urls": [
                                        {
                                            "type": "ORIGINAL",
                                            "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/6979a145b7ea9ecc3459358122cb560608f02d36d4b8cd6b770f50e36aa35512.jpg"
                                        }
                                    ]
                                }
                            ],
                            "anchor_uuid": "e52b4912-c314-423a-80a4-939f4c992d14",
                            "style": "NONE"
                        },
                        "public_nick_name": "Ayako",
                        "type": "PERSON"
                    },
                    "country": "NL"
                },
                "counterparty_alias": {
                    "iban": "NL32BUNQ2025313705",
                    "is_light": false,
                    "display_name": "Sugar Daddy",
                    "avatar": {
                        "uuid": "3fada745-8305-45ab-b8c2-09cc05a51b65",
                        "image": [
                            {
                                "attachment_public_uuid": "23f17b08-9ece-4c05-8dd8-4caf2b6ef549",
                                "height": 1023,
                                "width": 1024,
                                "content_type": "image/png",
                                "urls": [
                                    {
                                        "type": "ORIGINAL",
                                        "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/a3fa4840d155cc0f474258d10eb307f5c673eecf7f6d596a56e71c625cbd8cee.png"
                                    }
                                ]
                            }
                        ],
                        "anchor_uuid": null,
                        "style": "NONE"
                    },
                    "label_user": {
                        "uuid": "297f4374-38c5-4611-9708-71297ab56a4b",
                        "display_name": "Sugar Daddy",
                        "country": "NL",
                        "avatar": {
                            "uuid": "2971760d-ee2d-4bfb-9ea0-22cafefe85c3",
                            "image": [
                                {
                                    "attachment_public_uuid": "060a6f77-773f-4501-a071-f8b8093b9c72",
                                    "height": 480,
                                    "width": 480,
                                    "content_type": "image/jpeg",
                                    "urls": [
                                        {
                                            "type": "ORIGINAL",
                                            "url": "https://bunq-triage-model-storage-public.s3.eu-central-1.amazonaws.com/bunq_file/File/content/e68628d7e39aa9f764999abfd8fc9c0ed2667560ca05f56b5bff6e4a30e7e80c.jpg"
                                        }
                                    ]
                                }
                            ],
                            "anchor_uuid": "297f4374-38c5-4611-9708-71297ab56a4b",
                            "style": "NONE"
                        },
                        "public_nick_name": "Sugar Daddy",
                        "type": "PERSON"
                    },
                    "country": "NL"
                },
                "attachment": [],
                "geolocation": null,
                "batch_id": null,
                "scheduled_id": null,
                "address_billing": null,
                "address_shipping": null,
                "sub_type": "PAYMENT",
                "payment_arrival_expected": {
                    "status": "ARRIVED",
                    "time": null
                },
                "request_reference_split_the_bill": [],
                "balance_after_mutation": {
                    "currency": "EUR",
                    "value": "3.90"
                },
                "payment_auto_allocate_instance": null,
                "payment_suspended_outgoing": null
            }
        }
    ]
}