POST/transactions/{userId}/cross-border

Perform Cross Border Payment

Executes a cross-border payment to a foreign bank account. Supports multiple destination currencies including GBP, EUR, SGD, AED, ARS, BRL, CAD, JPY, MXN.

Path variables

Field	Type	Required	Possible values	Description
`userId`	string	Required	—	Unique user ID initiating the cross-border 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
`InstrumentId`	string	Required	—	Cross-border payment instrument ID.
`DestinationAmount`	string	Required	—	Amount in destination currency.
`DestinationCurrency`	string	Required	GBP \| EUR \| SGD \| AED \| ARS \| BRL \| CAD \| JPY \| MXN \| HKD \| ZAR	Target currency.
`Purpose`	string	Required	Refer to the Payment Purpose endpoint to get the list of possible values.	Payment purpose code.
`CryptoBuySellActivity`	string	Required	Yes \| No	Indicates crypto activity.
`Description`	string	Optional	—	Payment description.
`DocumentReferenceNumber`	string	Optional	—	Reference number for supporting document.
`SupportingDocument`	string	Optional	—	File ID from the File Upload endpoint. Required when the source amount exceeds the configured threshold for the user's group. The threshold value can be retrieved from the Config Data endpoint.
`Additional_Info`	object	Optional	{ Originator_Identity_Type: PASSPORT \| NATIONAL_ID \| DRIVING_LICENSE, Originator_Identity_Number, Source_Of_Funds: CASH \| BUSINESS \| GIFT \| LOTTERY \| SAVINGS \| OTHER }	Additional compliance fields: Originator_Identity_Type, Originator_Identity_Number, Source_Of_Funds.

Example request

{
  "InstrumentId": "{{instrumentId}}",
  "DestinationAmount": "50.00",
  "DestinationCurrency": "GBP",
  "Description": "GBP payment test",
  "Purpose": "Asset_Purchase",
  "CryptoBuySellActivity": "No",
  "DocumentReferenceNumber": "1234",
  "SupportingDocument": "-3928373292172922988",
  "Additional_Info": {
    "Originator_Identity_Type": "PASSPORT",
    "Originator_Identity_Number": "23423",
    "Source_Of_Funds": "CASH"
  }
}

{
  "InstrumentId": "{{instrumentId}}",
  "DestinationAmount": "50.00",
  "DestinationCurrency": "GBP",
  "Description": "GBP payment test",
  "Purpose": "Asset_Purchase",
  "CryptoBuySellActivity": "No",
  "DocumentReferenceNumber": "1234",
  "SupportingDocument": "-3928373292172922988",
  "Additional_Info": {
    "Originator_Identity_Type": "PASSPORT",
    "Originator_Identity_Number": "23423",
    "Source_Of_Funds": "CASH"
  }
}

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 cross-border payment details with status, amounts, and fees.

Example response

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "TransactionNumber": "FV000704405",
    "TransactionDetails": {
      "TransactionNumber": "FV000704405",
      "Status": "PENDING_AUTHORIZATION",
      "CreatedAt": "2026-06-08T07:48:28.450-04:00",
      "From": "John Doe",
      "To": "Acme Corporation Ltd cross border payments 2",
      "Description": "SEPA payment test",
      "Type": {
        "value": "BUS_USD_Account.payment_cross_border_faster_payments",
        "label": "Payment - Cross Border - Faster Payments"
      },
      "AdditionalData": [
        {
          "label": "Supporting Document",
          "value": "6731647025813041135"
        },
        {
          "label": "Auto_Authorization_Status",
          "value": "Pending"
        }
      ],
      "DestinationAmount": "50",
      "DestinationCurrency": "GBP",
      "SourceAmount": "37.31894434260105",
      "FeeInUSD": "35",
      "TotalAmountInUSD": "72.31894434260104",
      "QuoteId": "b71617af-d15b-4260-ae31-02a4f41d1aec"
    }
  }
}

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "TransactionNumber": "FV000704405",
    "TransactionDetails": {
      "TransactionNumber": "FV000704405",
      "Status": "PENDING_AUTHORIZATION",
      "CreatedAt": "2026-06-08T07:48:28.450-04:00",
      "From": "John Doe",
      "To": "Acme Corporation Ltd cross border payments 2",
      "Description": "SEPA payment test",
      "Type": {
        "value": "BUS_USD_Account.payment_cross_border_faster_payments",
        "label": "Payment - Cross Border - Faster Payments"
      },
      "AdditionalData": [
        {
          "label": "Supporting Document",
          "value": "6731647025813041135"
        },
        {
          "label": "Auto_Authorization_Status",
          "value": "Pending"
        }
      ],
      "DestinationAmount": "50",
      "DestinationCurrency": "GBP",
      "SourceAmount": "37.31894434260105",
      "FeeInUSD": "35",
      "TotalAmountInUSD": "72.31894434260104",
      "QuoteId": "b71617af-d15b-4260-ae31-02a4f41d1aec"
    }
  }
}

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