# Market-specific information
Learn what's specific for each market.
## Prerequisites
Complete all sections of [Initiate your first one-time payment](/resources/payments/initiate-your-first-one-time-payment.md). Make sure that you're using a sandbox app.
> __Note:__ This article shows examples with __simulated__ values. To test the flow by using real funds, use a production app and use real values. For more information on how to use simulated funds, see [Test different one-time payment scenarios](/resources/payments/test-different-one-time-payment-scenarios.md).
## Market details
The following table shows different markets and which account types, schemes, scheme fees, and remittance formats apply to each market.
| Market | Account type | Scheme | Remittance format |
| -------------- | -------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------- |
| Austria | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
| Denmark | IBAN1 | Danish Domestic Credit Transfer, Instant Danish Domestic Credit Transfer Straks, Instant Danish Domestic Credit Transfer Intradag | UNSTRUCTURED3 |
| Estonia | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3, REFERENCE4 |
| Finland | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3, INVOICE6 |
| France | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
| Germany | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
| Ireland | IBAN1 | SEPA Credit Transfer | UNSTRUCTURED3, REFERENCE4 |
| Italy | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
| Lithuania | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3, REFERENCE4 |
| Netherlands | IBAN1 | SEPA Instant Credit Transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
| Norway | IBAN1, BBAN2 | Norwegian Domestic Credit Transfer, Instant Norwegian Domestic Credit Transfer Straks | UNSTRUCTURED3, KID |
| Poland | IBAN1 | SEPA Credit Transfer, Polish Domestic Credit Transfer, Instant Polish Domestic Credit Transfer | UNSTRUCTURED3 |
| Portugal | IBAN1 | SEPA Credit Transfer, SEPA Instant Credit Transfer, Multibanco Service | UNSTRUCTURED3 |
| Spain | IBAN1 | SEPA Credit Transfer, SEPA Instant Credit Transfer | UNSTRUCTURED3 |
| Sweden | IBAN1, se, se-bg, se-pg | SEPA Credit Transfer, SEPA Instant Credit Transfer, Bankgiro, Plusgiro, Account-to-account transfer | UNSTRUCTURED3, OCR |
| Switzerland | IBAN1 | Swiss domestic credit transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
| United Kingdom | SORT-CODE5 | Faster Payments, CHAPS, BACS | UNSTRUCTURED3, REFERENCE4 |
| Czechia | IBAN1 | Czech Internal Transfer, Czech Express Internal Transfer, SEPA Credit Transfer | UNSTRUCTURED3 |
1 IBAN: International Bank Account Number. Consists of up to 34 alphanumeric characters. For more information, see [IBAN: Structure](https://en.wikipedia.org/wiki/International_Bank_Account_Number#Structure).
2 BBAN: Basic Bank Account Number. The format is decided by the national central bank or designated payment authority of each country. For more information, see [IBAN: Basic Bank Account Number](https://en.wikipedia.org/wiki/International_Bank_Account_Number#Basic_Bank_Account_Number).
3 An UNSTRUCTURED remittance value can contain up to 140 alphanumeric characters.
4 A REFERENCE remittance value can contain up to 18 alphanumeric characters.
5 A SORT-CODE account-type value must contain 6 numeric characters.
6 A Finnish reference number is 4โ20 digits long. For more information, see Finance Finland's (PDF) report, *[Forming a Finnish Reference Number](https://www.finanssiala.fi/wp-content/uploads/2021/03/Forming_a_Finnish_reference_number.pdf)*.
# Examples to create payment requests
## UK ๐ฌ๐ง
We support domestic transfers and payments with all major banks that use Faster Payments in the UK.
The supported __account type__ is `sort-code`. The sort code (also known as sorting code) is a six-digit number, usually formatted as three pairs of numbers, for example, 12-34-56.
The supported account number is an eight-digit number. The `accountNumber` in a payment request is created by using the six-digit sort code (for example, 123456) and then appending the account number (for example, 78901234). Together, they form the `accountNumber` (12345678901234), which is 14 digits in total.
The supported __remittance formats__ are `REFERENCE` (limited to 18 characters due to Faster Payments) and `UNSTRUCTURED` (limited to 140 characters). We recommend using `REFERENCE` because some banks require it for third-party payments.
```bash
#Create a payment request in UK
curl -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "31245678901234",
"accountType": "sort-code"
},
"amount": 10,
"currency": "GBP",
"market": "GB",
"recipientName": "Test Ltd",
"paymentScheme": "FASTER_PAYMENTS",
"remittanceInformation": {
"type": "REFERENCE",
"value": "CREDITOR-REF-12345"
}
}
}'
```
## Sweden ๐ธ๐ช
The __account numbers__ must be filled in without dashes or spaces.
```bash
#Create a payment request in Sweden
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "41054685",
"accountType": "se-pg"
},
"amount": 10,
"currency": "SEK",
"market": "SE",
"recipientName": "Test AB",
"sourceMessage": "Payment for Gym Equipment",
"remittanceInformation": {
"type": "OCR",
"value": "1885657302"
}
}'
```
## France ๐ซ๐ท
```bash
#Create a payment request in France
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '
{
"recipient": {
"accountNumber": "FR1420041010050500013M02606",
"accountType": "iban"
},
"amount": 15,
"currency": "EUR",
"market": "FR",
"recipientName": "Evan Herveau",
"remittanceInformation": {
"type": "UNSTRUCTURED",
"value": "Top-up"
},
"paymentScheme": "SEPA_INSTANT_CREDIT_TRANSFER"
}'
```
## Portugal ๐ต๐น
```bash
#Create an account-to-account payment request in Portugal
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '
{
"recipient": {
"accountNumber": "PT50002300004556956433294",
"accountType": "iban"
},
"amount": 10,
"currency": "EUR",
"market": "PT",
"recipientName": "Carlos Vierra",
"remittanceInformation": {
"type": "UNSTRUCTURED",
"value": "Top-up"
},
"paymentScheme": "SEPA_INSTANT_CREDIT_TRANSFER"
}'
```
```bash
#Create a Multibanco payment request in Portugal
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '
{
"recipient": {
"accountNumber": "54321",
"accountType": "multibanco-entity"
},
"amount": 10,
"currency": "EUR",
"market": "PT",
"recipientName": "Carlos Vierra",
"remittanceInformation": {
"type": "MULTIBANCO_REFERENCE",
"value": "987654321"
},
"paymentScheme": "MULTIBANCO_SERVICE"
}'
```
## Ireland ๐ฎ๐ช
```bash
#Create a payment request in Ireland
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "IE29AIBK93115212345678",
"accountType": "iban"
},
"amount": 10,
"currency": "EUR",
"market": "IE",
"recipientName": "Test s.r.l.",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Top-up"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Italy ๐ฎ๐น
```bash
#Create a payment request in Italy
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "IT60X0542811101000000123456",
"accountType": "iban"
},
"amount": 10,
"currency": "EUR",
"market": "IT",
"recipientName": "Test s.r.l.",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "numero di riferimento 1234"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Germany ๐ฉ๐ช
```bash
#Create a payment request in Germany
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "DE03500105177564668331",
"accountType": "iban"
},
"amount": 10,
"currency": "EUR",
"market": "DE",
"recipientName": "Horst Schumacher",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Top-up"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Spain ๐ช๐ธ
```bash
#Create a payment request in Spain
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "ES9121000418450200051332",
"accountType": "iban"
},
"amount": 10,
"currency": "EUR",
"market": "ES",
"recipientName": "Carlos Blanco",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Top-up"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Finland ๐ซ๐ฎ
```bash
#Create a payment request in Finland
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "FI0207087487287613",
"accountType": "iban"
},
"amount": 10,
"currency": "EUR",
"market": "FI",
"recipientName": "Hanna Mรคkinen",
"remittanceInformation":
{
"type": "INVOICE",
"value": "85115125674842817116"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
### Create a international payment request
>__Note__: If you are initiating Cross-border SEPA transfers, i.e to a non-Finnish account, then we recommend you to input the `RecipientDTO` fields when creating the [payment request](/api-payment#payment/payment-request/create-payment-request). Receivers BIC and Address information is required by some banks to initiate international PIS transfers.
```bash
#Create a payment request to Aktia
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
// ...
"recipient": {
"accountNumber": "FI0207087487287613",
"accountType": "IBAN",
"businessIdentifierCode": ""
}'
```
## Austria ๐ฆ๐น
```bash
#Create a payment request in Austria
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "AT639466074958467508",
"accountType": "iban"
},
"amount": 15.00,
"currency": "EUR",
"market": "AT",
"recipientName": "Tobias Gruber",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Norway ๐ณ๐ด
The supported __account types__ are `iban` and `bban`. BBAN is for domestic schemes only.
The supported __payment schemes__ are `NORWEGIAN_DOMESTIC_CREDIT_TRANSFER` and `INSTANT_NORWEGIAN_DOMESTIC_CREDIT_TRANSFER_STRAKS`.
In addition, for Revolut only, the supported __payment schemes__ are `SEPA_CREDIT_TRANSFER` and `SEPA_INSTANT_CREDIT_TRANSFER`.
```bash
#Create a payment request in Norway
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "86011117947",
"accountType": "bban"
},
"amount": 15.00,
"currency": "NOK",
"market": "NO",
"recipientName": "Magnus Carlsen",
"remittanceInformation":
{
"type": "KID",
"value": "76940518888"
},
"paymentScheme": "NORWEGIAN_DOMESTIC_CREDIT_TRANSFER"
}'
```
## Lithuania ๐ฑ๐น
```bash
#Create a payment request in Lithuania
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "LT121000011101001000",
"accountType": "iban"
},
"amount": 15.00,
"currency": "EUR",
"market": "LT",
"recipientName": "Andrius Naujokas",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Estonia ๐ช๐ช
```bash
#Create a payment request in Estonia
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "EE382200221020145685",
"accountType": "iban"
},
"amount": 15.00,
"currency": "EUR",
"market": "EE",
"recipientName": "Olga Tamm",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## The Netherlands ๐ณ๐ฑ
```bash
#Create a payment request in Netherlands
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "NL91ABNA0417164300",
"accountType": "iban"
},
"amount": 15.00,
"currency": "EUR",
"market": "NL",
"recipientName": "Vincent van Gogh",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```
## Switzerland ๐จ๐ญ
The supported __payment schemes__ are `SWISS_DOMESTIC_CREDIT_TRANSFER` (local clearing system) or `SEPA_CREDIT_TRANSFER`.
```bash
#Create a Swiss domestic credit payment request in Switzerland
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "CH7989144871725643537",
"accountType": "iban"
},
"amount": 10,
"currency": "CHF",
"market": "CH",
"recipientName": "Alexandre Schoch",
"remittanceInformation": {
"type": "UNSTRUCTURED",
"value": "Top-up"
},
"paymentScheme": "SWISS_DOMESTIC_CREDIT_TRANSFER"
}'
```
## Poland ๐ต๐ฑ
```bash
#Create a payment request in Poland
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "PL10105000997603123456789123",
"accountType": "iban"
},
"amount": 15.00,
"currency": "PLN",
"market": "PL",
"recipientName": "Fryderyk Chopin",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "INSTANT_POLISH_DOMESTIC_CREDIT_TRANSFER"
}'
```
## Denmark ๐ฉ๐ฐ
```bash
#Create a payment request in Denmark
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "DK9520000123456789",
"accountType": "iban"
},
"amount": 15.00,
"currency": "DKK",
"market": "DK",
"recipientName": "Niels Bohr",
"remittanceInformation":
{
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "DANISH_DOMESTIC_CREDIT_TRANSFER"
}'
```
## Czechia ๐จ๐ฟ
The supported account type is `iban`.
The __supported payment schemes__ are `CZECH_INTERNAL_TRANSFER`, `CZECH_EXPRESS_INTERNAL_TRANSFER`, and `SEPA_CREDIT_TRANSFER`.
__Domestic schemes__ use `CZK`; for `SEPA_CREDIT_TRANSFER` use `EUR`.
```bash
#Create a payment request in Czechia
curl -v -X POST https://api.tink.com/api/v1/payments/requests \
-H 'Authorization: Bearer {YOUR_CLIENT_ACCESS_TOKEN}' \
-H 'Content-Type: application/json' \
-d '{
"recipient": {
"accountNumber": "CZ6508000000192000145399",
"accountType": "iban"
},
"amount": 15.00,
"currency": "EUR",
"market": "CZ",
"recipientName": "Jan Novรกk",
"remittanceInformation": {
"type": "UNSTRUCTURED",
"value": "Tink Test"
},
"paymentScheme": "SEPA_CREDIT_TRANSFER"
}'
```