POST/transactions/{userId}/payments

Perform International Wire Payment

Executes an International Wire payment. Call Preview International Wire Payment first to inspect fees and details before executing.

Path variables

Field	Type	Required	Possible values	Description
`userId`	string	Required	—	Unique user ID initiating the payment.

Headers

Field	Type	Required	Possible values	Description
`session-token`	string	Required	—	SessionToken obtained from the Create GMA Session endpoint. All secured endpoints require this header.

Request body

Field	Type	Required	Possible values	Description
`TransferType`	string	Required	INTERNATIONAL_WIRE	Must be `INTERNATIONAL_WIRE` for this payment type.
`CounterpartyId`	string	Required	—	Counterparty ID for the payment.
`InstrumentId`	string	Required	—	Payment instrument ID.
`Amount`	string	Required	—	Payment amount.
`PaymentPurpose`	string	Required	Refer to the Payment Purpose endpoint to get the list of possible values.	Purpose code for the payment.
`IntermediaryABA`	string	Required	—	ABA routing number of the intermediary bank, if applicable.
`IsCryptoTransaction`	string	Required	true \| false	Whether this is a crypto transaction.
`SupportingDocument`	string	Optional	—	File ID of a previously uploaded document (see File Upload endpoint). Required when the Amount exceeds the configured threshold for the user's group. The threshold value can be retrieved from the Config Data endpoint.
`Description`	string	Optional	—	Payment description.

Example request

{
  "TransferType": "INTERNATIONAL_WIRE",
  "CounterpartyId": "{{counterpartyId}}",
  "InstrumentId": "{{instrumentId}}",
  "IsCryptoTransaction": "false",
  "PaymentPurpose": "Asset_Purchase",
  "IntermediaryABA": "084009519",
  "SupportingDocument": "-870429145188356199",
  "Amount": "100.00",
  "Description": "Test API"
}

{
  "TransferType": "INTERNATIONAL_WIRE",
  "CounterpartyId": "{{counterpartyId}}",
  "InstrumentId": "{{instrumentId}}",
  "IsCryptoTransaction": "false",
  "PaymentPurpose": "Asset_Purchase",
  "IntermediaryABA": "084009519",
  "SupportingDocument": "-870429145188356199",
  "Amount": "100.00",
  "Description": "Test API"
}

To attach a supporting document, add `SupportingDocument` using the file ID returned by the **File Upload** endpoint and update the `CounterpartyId`, `InstrumentId` and `IntermediaryABA` with the actual counterparty ,instrument and intermediary ABA number.

Response

Field	Type	Possible values	Description
`ResponseCode`	integer	200 \| 201 \| 204 \| 301 \| 400 \| 401 \| 403 \| 404 \| 410 \| 422 \| 500 \| 503	API result code in the response envelope. Indicates success or the error category (e.g. 200 success, 400 bad request, 401 unauthorized).
`ResponseMessage`	string	Success \| Created \| NoContent \| BadRequest \| Unauthorized \| Forbidden \| NotFound \| Gone \| UnprocessableContent \| ServerError \| ResourceMoved \| ServiceUnAvailable \| UnProcessableEntity	Human-readable label paired with ResponseCode (e.g. Success, BadRequest, Unauthorized). Use with ResponseCode to interpret the outcome.
`ResponseData`	object	Please refer to below example for response body	Executed International Wire payment transaction details.

Example response

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "TransactionId": "106851973951041333",
    "TransactionNumber": "FV000726661",
    "Date": "2026-06-23T05:52:00.947-04:00",
    "Currency": "USD",
    "TransferType": {
      "Name": "Payment - International Wire"
    },
    "Amount": "100.00",
    "FromAccount": {
      "Id": "-2050372247559426224",
      "Number": "572232890",
      "Type": "Account (USD)"
    },
    "Receiver": {
      "Id": "4155588038957117405",
      "Name": "Acme Corporation private ltd",
      "Email": "accounting@acmecorp.com"
    },
    "ReceiverPaymentInstrument": {
      "Id": "4425804016599347165",
      "RoutingNumber": null,
      "AccountNumber": "****6818"
    },
    "PaymentPurpose": "Asset_Purchase",
    "Description": "Test API",
    "AuthorizationStatus": "pending"
  }
}

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "TransactionId": "106851973951041333",
    "TransactionNumber": "FV000726661",
    "Date": "2026-06-23T05:52:00.947-04:00",
    "Currency": "USD",
    "TransferType": {
      "Name": "Payment - International Wire"
    },
    "Amount": "100.00",
    "FromAccount": {
      "Id": "-2050372247559426224",
      "Number": "572232890",
      "Type": "Account (USD)"
    },
    "Receiver": {
      "Id": "4155588038957117405",
      "Name": "Acme Corporation private ltd",
      "Email": "accounting@acmecorp.com"
    },
    "ReceiverPaymentInstrument": {
      "Id": "4425804016599347165",
      "RoutingNumber": null,
      "AccountNumber": "****6818"
    },
    "PaymentPurpose": "Asset_Purchase",
    "Description": "Test API",
    "AuthorizationStatus": "pending"
  }
}

Provide `CounterpartyId`, `InstrumentId`, and a `SupportingDocument` file ID. `IntermediaryABA` are optional required fields.

Requires `session-token: {SessionToken}` from Create GMA Session. Use the same client IP as authentication.