# 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` {% hint style="info" %} 🔁 *Draft scheduled payments* (recurring payments pending approval) also fall under the `DraftPayment` endpoint, depending on how you want your UX to behave. {% endhint %} #### **🧾 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 ```json { "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 } } ] } ``` --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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