Introduction

A bank transfer is the movement of funds from one account to another.

Therefore, for a given Treezor environment, any funds movement listed below is considered a transfer:

From	To	Object
Wallet	External account	Payout
External account	Wallet	Payin
Wallet	Wallet (same environment)	Transfer

Type of transfers

Treezor provides a variety of transfer options to meet different needs:

• SEPA Credit Transfers
• SEPA Instant Payments
• SEPA Direct Debit
• Wallet-to-Wallet

The prerequisites and processing differ for each type of transfer depending on the direction of the funds, the service used, and the initiator.

Contact Treezor to learn which types of transfers best fit your needs among the following:

Transfer	Type	Initiator	Coverage
Emitted SEPA Direct Debit	Payin	Treezor User (recipient)	SEPA
Received SEPA Direct Debit	Payout	External account owner	SEPA
Emitted SEPA Credit Transfer	Payout	Treezor User (sender)	SEPA
Received SEPA Credit Transfer	Payin	External account owner	SEPA
Emitted Instant Credit Transfers	Payout	Treezor User (sender)	SEPA
Received Instant Credit Transfers	Payin	External account owner	SEPA

Additional services such as Scheduled payments may be of interest as well.

Statuses

Payin statuses (codeStatus)

codeStatus		payinStatus	Description
140001		PENDING	Pending payment (during SDDE/SCTR payin creation)
140004		CANCELED	For SDDE, this status indicates either that the ARA is rejected or that you have canceled the payin. For SCTR, this status indicates the payin cannot be validated.
140005		VALIDATED	For SDDE, this status indicates the ARA is accepted. For SCTR, indicates the transaction is processed.
140006		PENDING	Pending non-repudiation
140007		PENDING	Fraud suspicion (AML/CFT). Don't communicate this information with your end users.
140010		CANCELED	SEPA Transfer refused

Payout statuses (codeStatus)

codeStatus		payoutStatus	Description
160001		PENDING	Refund request populated
160002		PENDING	Refund request received by mail
160003		VALIDATED	Internaly validated
160004		VALIDATED	Transfer request sent to bank
160005		VALIDATED	Refund transfer validated
160006		CANCELED	Canceled by the User
160007		PENDING	Bank account in error during the first transfert or debit
160008		PENDING	Fraud suspicion or AML/CFT
160009		CANCELED	Canceled by operator
160010		CANCELED	Insufficient Authorized Balance when the operation was presented
160011		PENDING	Outgoing funds pending validation due to Beneficiary being in a non-FATF country
160012		PENDING	Outgoing funds pending validation due to amount exceeding €10,000
160013		PENDING	Outgoing funds pending validation due poor scoring of the operation
160014		PENDING	Outgoing funds sent to recipient's institution, pending acknowledgment
160015		PENDING	Outgoing funds suspended by operator

Payout Refund statuses (codeStatus)

codeStatus		payoutStatus	Description
790001		PENDING	Message of refund has been sent to Scheme. Wait for confirmation.
790002		CANCELED	Canceled by the Scheme (Treezor received a negative answer)
790003		VALIDATED	Validated
790004		PENDING_NO_RESPONSE	No response received in legal delay

Transfer statuses (codeStatus)

codeStatus		transferStatus	Description
150001		PENDING	Transfer has been initiated.
150002		PENDING	Fraud suspicion, you can't expose this information to your end users.
150003		CANCELED	Canceled by the end user.
150004		CANCELED	Canceled by the operator.
150005		VALIDATED	Validated
150006		CANCELED	Transfer canceled due to lack of funds from the debited Wallet Authorized Balance.

Endpoints

Payins

Endpoint	Scope
/v1/payins Create a Payin	read_write
/v1/payins Search Payins	read_only
/v1/payins/{payinId} Retrieve a Payin using its id	read_only
/v1/payinrefunds Search Payin Refunds	read_only
/v1/payinrefunds/{id} Retrieve a Payin Refund using its id	read_only

Payouts

Endpoint	Scope
/v1/payouts Create a Payout	read_write
/v1/payouts Search Payouts	read_only
/v1/payouts/{payoutId} Retrieve a Payout using its id	read_only
/v1/payouts/{payoutId} Cancel a Payout	read_write
/core-connect/payouts/{payoutId}/proof Create a Payout Proof	read_only
/v1/payoutRefunds Create a Payout Refund	read_write
/v1/payoutRefunds/{payoutRefundId} Retrieve a Payout Refund based on its id	read_only

Recalls & RROs

Endpoint	Scope
/v1/recallR Search for SCT Recalls	read_only
/v1/recallRs/{recallRId} Retrieve an SCT Recall or RRO by its id	read_only
/v1/recallRs/{recallRId}/response/ Provide your decision following an SCT Recall request	read_write
/v1/recall-sct-inst/{sctInstId}/{recallId} Retrieve an SCT Inst Recall
/v1/recall-sct-inst/{sctinstId}/{recallId}/response Provide your decision following an SCT Inst Recall
/v1/payinrefunds/{recallId} Retrieve a payinrefund following a Recall
/v1/payoutRefund Create a Recall (SCTE Inst only)	read_write
/v1/payoutRefund/{payoutRefundId} Create a Recall (SCTE Inst only)	read_only
/simulation/sct-inst/payin Emulate an SCTR, to test the procedure sandbox-only
/simulation/sct-inst/recall Emulate a reception of a SCTR inst recall, to test the procedure sandbox-only
/simulation/recall-r Emulate a Recallr, to test the procedure sandbox-only

Transfers

Endpoint	Scope
/v1/transfer Create a Transfers	read_write
/v1/transfers Search Transfers	read_only
/v1/transfers/{transferId} Retrieve a Transfer using its id	read_only
/v1/transfers/{transferId} Delete a Transfer using its id	read_write

Beneficiaries

Endpoint	Scope
/v1/beneficiaries Create a Beneficiary	read_write
/v1/beneficiaries Search for Beneficiaries	read_only
/v1/beneficiaries/{beneficiaryId} Retrieve a Beneficiary	read_only
/v1/beneficiaries/{beneficiaryId} Update a Beneficiary	read_write

Mandates

Endpoint	Scope
/v1/mandates  Create a mandate	read_write
/v1/mandates  Search for mandates	read_only
/v1/mandates/{mandateId}  Retrieve a mandate	read_only
/v1/mandates/{mandateId}  Revoke a mandate	read_write