curl --request POST \
  --url https://api.qbank.cl/platform/v1/banking/operations \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "currency": "EUR",
  "source_virtual_iban_id": "2f8c1d4e-1111-4b22-8a33-000000000001",
  "type": "WITHDRAW",
  "paymentType": "SEPA_CT",
  "sourceRequisit": {
    "account": "c4d1e2f3-a4b5-c6d7-e8f9-a0b1c2d3e4f5"
  },
  "destinationRequisit": {
    "beneficiar": "BNK-CPACC-11"
  },
  "beneficiary_type": "individual",
  "beneficiary_given_name": "Elena",
  "beneficiary_first_surname": "Fuentes",
  "beneficiary_middle_name": "María",
  "amount": {
    "currencyCode": "EUR",
    "units": "250",
    "nanos": 0
  },
  "comment": "Invoice 8841",
  "idempotency_key": "acme-payment-0071"
}
'

{
  "operation_id": "7e8a9b0c-1d2e-3f4a-5b6c-7d8e9f0a1b2c",
  "provider_id": "BNK-OP-90213",
  "status": "pending",
  "idempotency_key": "platform:9b1deb4d:acme-payment-0071",
  "data": {
    "type": "WITHDRAW",
    "paymentType": "SEPA_CT"
  },
  "idempotency_hit": true
}

{
  "operation_id": "7e8a9b0c-1d2e-3f4a-5b6c-7d8e9f0a1b2c",
  "provider_id": "BNK-OP-90213",
  "status": "pending",
  "idempotency_key": "platform:9b1deb4d:acme-payment-0071",
  "data": {
    "type": "WITHDRAW",
    "paymentType": "SEPA_CT"
  },
  "banking_fee": "2.000000",
  "banking_fee_asset": "BANK_EUR"
}

{
  "error": "idempotency_key_required",
  "message": "provide idempotency_key (body or Idempotency-Key header)"
}

{
  "error": "unauthorized",
  "message": "invalid or missing credentials"
}

{
  "error": "insufficient_funds",
  "message": "account balance is not enough for this operation"
}

{
  "error": "no_banking_customer",
  "message": "create your banking customer first (POST /v1/banking/customer)"
}

{
  "error": "funding_account_required",
  "message": "an active EUR funding account is required to send to Europe"
}

{
  "error": {
    "code": "banking_request_failed",
    "message": "request rejected"
  }
}

Send a bank payment

Executes a TRANSFER (between your own bank accounts) or WITHDRAW (to a registered beneficiary). Requires an idempotency key; retries with the same key return the original operation without re-charging. Billed as the fixed banking_operation fee; refunded if the corridor rejects. The final state arrives via the banking_operation_status_changed webhook. For an EUR SEPA withdrawal, the top-level beneficiary_* fields provide the structured beneficiary identity used to build the provider payee. They are optional for other banking rails; if an EU-SEPA destination has no usable payee identity, the API returns 400 invalid_payload.

POST

banking

operations

curl --request POST \
  --url https://api.qbank.cl/platform/v1/banking/operations \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "currency": "EUR",
  "source_virtual_iban_id": "2f8c1d4e-1111-4b22-8a33-000000000001",
  "type": "WITHDRAW",
  "paymentType": "SEPA_CT",
  "sourceRequisit": {
    "account": "c4d1e2f3-a4b5-c6d7-e8f9-a0b1c2d3e4f5"
  },
  "destinationRequisit": {
    "beneficiar": "BNK-CPACC-11"
  },
  "beneficiary_type": "individual",
  "beneficiary_given_name": "Elena",
  "beneficiary_first_surname": "Fuentes",
  "beneficiary_middle_name": "María",
  "amount": {
    "currencyCode": "EUR",
    "units": "250",
    "nanos": 0
  },
  "comment": "Invoice 8841",
  "idempotency_key": "acme-payment-0071"
}
'

{
  "operation_id": "7e8a9b0c-1d2e-3f4a-5b6c-7d8e9f0a1b2c",
  "provider_id": "BNK-OP-90213",
  "status": "pending",
  "idempotency_key": "platform:9b1deb4d:acme-payment-0071",
  "data": {
    "type": "WITHDRAW",
    "paymentType": "SEPA_CT"
  },
  "idempotency_hit": true
}

{
  "operation_id": "7e8a9b0c-1d2e-3f4a-5b6c-7d8e9f0a1b2c",
  "provider_id": "BNK-OP-90213",
  "status": "pending",
  "idempotency_key": "platform:9b1deb4d:acme-payment-0071",
  "data": {
    "type": "WITHDRAW",
    "paymentType": "SEPA_CT"
  },
  "banking_fee": "2.000000",
  "banking_fee_asset": "BANK_EUR"
}

{
  "error": "idempotency_key_required",
  "message": "provide idempotency_key (body or Idempotency-Key header)"
}

{
  "error": "unauthorized",
  "message": "invalid or missing credentials"
}

{
  "error": "insufficient_funds",
  "message": "account balance is not enough for this operation"
}

{
  "error": "no_banking_customer",
  "message": "create your banking customer first (POST /v1/banking/customer)"
}

{
  "error": "funding_account_required",
  "message": "an active EUR funding account is required to send to Europe"
}

{
  "error": {
    "code": "banking_request_failed",
    "message": "request rejected"
  }
}

Authorizations

Authorization

string

header

required

Session JWT (from register/login) or API key (pk_...). X-API-Key: <token> is accepted as an alternative header.

Headers

Idempotency-Key

string

Alternative to the idempotency_key body field.

Body

application/json

currency

string

required

Example:

"USD"

type

enum<string>

required

Available options:

TRANSFER,

WITHDRAW

sourceRequisit

object

required

Show child attributes

destinationRequisit

object

required

Show child attributes

amount

object

required

Show child attributes

paymentType

string

EMPTY for TRANSFER; rail code (e.g. SEPA_CT) for WITHDRAW.

comment

string

source_virtual_iban_id

string<uuid>

Optional active banking_eur virtual IBAN used to fund a EUR SEPA Banking withdrawal. Omit only when exactly one active source exists; several sources require this UUID. The platform stamps payer from the vIBAN registrant.

source_instrument_id

string<uuid>

Optional active purpose: banking BO/BOB deposit instrument used as the QR payout source. Outside BO/BOB this field is rejected; multiple active BO sources require this UUID.

beneficiary_type

enum<string>

Required for an EUR SEPA withdrawal; use individual for a person or corporate for a company. Optional for other banking rails.

Available options:

individual,

corporate

beneficiary_given_name

string

Required for a structured individual EUR SEPA beneficiary together with beneficiary_first_surname; optional for other banking rails.

beneficiary_first_surname

string

Required for a structured individual EUR SEPA beneficiary together with beneficiary_given_name; optional for other banking rails.

beneficiary_middle_name

string

Optional middle name for an individual EUR SEPA beneficiary; optional for other banking rails.

beneficiary_name

string

Required company name for a corporate EUR SEPA beneficiary; a multi-word value is also accepted as a compatibility fallback for individual names. Optional for other banking rails.

idempotency_key

string

Response

Idempotency replay of an existing operation (no new charge).

The response is of type object.