# Draft Payment

A draft payment allows you to prepare a payment that the user must accept in the bunq app before it is executed. 

Each draft payment can include details such as the amount, currency, description, and counterparty information. To streamline larger workflows, you can send up to **350 draft payments in a single request** by providing an array of draft payment objects. Like so: 

```
[
  {
    "monetary_account_id": "3362415",
    "status": "PENDING",
    "amount": "10.00",
    "currency": "EUR",
    "description": "Payment 1",
    "receiver_type": "EMAIL",
    "receiver_value": "sugardaddy@bunq.com",
    "receiver_name": "Best Friend",
    "previous_updated_timestamp": "2024-05-01 12:00:00.000",
    "number_of_required_accepts": 1
  },
  {
    "monetary_account_id": "3362415",
    "status": "PENDING",
    "amount": "15.50",
    "currency": "EUR",
    "description": "Payment 2",
    "receiver_type": "EMAIL",
    "receiver_value": "sugardaddy@bunq.com",
    "receiver_name": "Alice",
    "previous_updated_timestamp": "2024-05-01 12:00:00.000",
    "number_of_required_accepts": 1
  },
  {
    "monetary_account_id": "3362415",
    "status": "PENDING",
    "amount": "15.50",
    "currency": "EUR",
    "description": "Payment 3",
    "receiver_type": "IBAN",
    "receiver_value": "NL14RABO0169202917",
    "receiver_name": "Peter",
    "previous_updated_timestamp": "2024-05-01 12:00:00.000",
    "number_of_required_accepts": 1
  }
]
```

{% hint style="info" %}
Payment Service Providers (PSPs) must use draft payments, as **PSD2 regulations prohibit them from executing payments directly** via the standard `/payments` endpoint. This ensures that every payment still requires the end user’s approval in the app. check [payment-initiation-service-provider-pisp](https://doc.bunq.com/psd2/payment-initiation-service-provider-pisp "mention")for more information
{% endhint %}

{% openapi src="<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>" path="/user/{userID}/monetary-account/{monetary-accountID}/draft-payment" method="post" %}
<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>
{% endopenapi %}

{% openapi src="<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>" path="/user/{userID}/monetary-account/{monetary-accountID}/draft-payment/{itemId}" method="get" %}
<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>
{% endopenapi %}

{% openapi src="<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>" path="/user/{userID}/monetary-account/{monetary-accountID}/draft-payment" method="get" %}
<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>
{% endopenapi %}

{% openapi src="<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>" path="/user/{userID}/monetary-account/{monetary-accountID}/draft-payment/{itemId}" method="put" %}
<https://raw.githubusercontent.com/bunq/doc/refs/heads/develop/swagger.json>
{% endopenapi %}