neotek Empowering Financial Innovation

SinglePayment

POSThttps://test.api.neotek.sa/b2b-unified/v1/payments/single

Sandbox URL · in Production call https://api.neotek.sa

Sends one payment from one account to one beneficiary.

Body — the payment itself:

Parameter	Required	Description
`bankCode`	Required	which bank executes the payment, by BIC: `RJHISARI` or `ARNBSARI`
`transactionReference`	Required	your own reference, up to 16 characters
`paymentDate`	Required	the date the payment is made
`currency`	Required	for example `SAR`
`amount`	Required	the amount as a string, for example `1000.00`
`purposeCode`	Required	why the payment is being made
`transactionDescription`	Optional	up to 35 characters
`chargeOption`	Optional	who bears the charges: `SHA` (the default), `OUR` or `BEN`

Who pays:

Parameter	Required	Description
`debtorName`	Required	up to 35 characters
`debtorAccountIban`	Required	the account the money leaves
`debtorAddressLine1`, `debtorAddressLine2`, `debtorAddressLine3`	Required	up to 35 characters each

Who is paid:

Parameter	Required	Description
`beneficiaryName`	Required	up to 35 characters
`beneficiaryAccountIban`	Required	the account the money arrives in
`beneficiaryBankBic`	Required	the receiving bank's BIC, 8 or 11 characters
`beneficiaryAddressLine1`, `beneficiaryAddressLine2`, `beneficiaryAddressLine3`	Required	up to 35 characters each

Headers:

Parameter	Required	Description
`authorization`	Required	`Bearer <ACCESS_TOKEN>`
`content-type`	Required	`application/json`

cURL

curl -X POST 'https://test.api.neotek.sa/b2b-unified/v1/payments/single' \  --header 'authorization: Bearer <ACCESS_TOKEN>' \  --header 'content-type: application/json' \  --data '{    "bankCode": "ARNBSARI",    "transactionReference": "TXN04540615001",    "paymentDate": "2026-02-11",    "currency": "SAR",    "amount": "1000.00",    "debtorName": "Neotek Trading Co",    "debtorAccountIban": "SA1030000012345678901004",    "debtorAddressLine1": "Building 123, King Fahd Road",    "debtorAddressLine2": "Al Olaya District",    "debtorAddressLine3": "Riyadh, Saudi Arabia",    "beneficiaryName": "Ahmed Hassan Trading",    "beneficiaryAccountIban": "SA1080000012345678901003",    "beneficiaryBankBic": "RJHISARI",    "beneficiaryAddressLine1": "Office 456",    "beneficiaryAddressLine2": "Al Malaz District",    "beneficiaryAddressLine3": "Riyadh, Saudi Arabia",    "purposeCode": "Payroll and Benefits",    "transactionDescription": "Invoice #INV-2026-001 payment"  }'

Response

JSON

{  "success": true,  "code": "PAYMENT_ACCEPTED",  "message": "Payment accepted and processing",  "transactionId": "OB20260115123456",  "paymentStatus": "PAYMENT_STATUS_ACCEPTED",  "statusMessage": "INITIATED"}

Errors — each failure carries an error category and a specific code

Status	Codes	Typical cause
`400` `ERROR_CATEGORY_VALIDATION_FAILED`	`INVALID_IBAN`, `INVALID_AMOUNT`, `INVALID_ACCOUNT`, `INVALID_CURRENCY`, `INVALID_BANK_CODE`, `INVALID_REFERENCE`, `ACCOUNT_NOT_FOUND`, `BENEFICIARY_NOT_FOUND`	Bad or missing field — wrong IBAN format, unknown `bankCode`, reference over 16 characters
`401` `ERROR_CATEGORY_AUTH_FAILED`	`AUTH_FAILED`, `CREDENTIALS_NOT_FOUND`, `UNAUTHORIZED`	Token missing or expired, or no vault credentials for your app with that bank
`404` `ERROR_CATEGORY_NOT_FOUND`	`NOT_FOUND`	Resource not found
`409` `ERROR_CATEGORY_DUPLICATE`	`DUPLICATE_TRANSACTION`, `DUPLICATE_REFERENCE`, `DUPLICATE_PAYMENT`	You reused a `transactionReference`
`422` `ERROR_CATEGORY_BANK_REJECTED`	`INSUFFICIENT_FUNDS`, `AMOUNT_LIMIT_EXCEEDED`, `DAILY_LIMIT_EXCEEDED`, `INVALID_PAYMENT_DATE`, `ACCOUNT_BLOCKED`, `ACCOUNT_CLOSED`, `PAYMENT_NOT_ALLOWED`	The request was valid; the bank declined it
`500` `ERROR_CATEGORY_SYSTEM_FAILURE`	`SYSTEM_ERROR`, `INTERNAL_ERROR`	Gateway-side failure
`503` `ERROR_CATEGORY_TEMPORARY_FAILURE`	`SERVICE_UNAVAILABLE`, `BANK_UNAVAILABLE`, `NETWORK_ERROR`, `NETWORK_TIMEOUT`, `CONNECTION_REFUSED`, `REQUEST_TIMEOUT`	Transient — retry with backoff

PreviousPayments — Overview