POST/v2/payment-instrument/sepa-reachability

Check SEPA Instant Reachability

Checks whether a beneficiary bank BIC is reachable on SEPA Instant (EBA RT1). This is a live lookup and does not create or update a payment instrument. SEPA payment instruments also return SepaReachability, LastCheckedAt, and DataVersion on Create, List, Get, and Cross-border Preview.

Headers

Field	Type	Required	Possible values	Description
`Authorization`	string	Required	Bearer {SessionToken}	Session token from Get Session Token, sent as `Authorization: Bearer {SessionToken}`. Replace with the value from the `x-refresh-token` response header when present (typically within 2 minutes of expiry). Secured calls must use the same IP as the auth request.

Request body

Field	Type	Required	Possible values	Description
`SwiftBic`	string	Required	8–11 alphanumeric characters	Beneficiary bank SWIFT/BIC (8–11 alphanumeric characters).

Example request

{
  "SwiftBic": "COBADEFFXXX"
}

Response

Field	Type	Possible values	Description
`ResponseCode`	integer	200 \| 201 \| 204 \| 400 \| 401 \| 403 \| 404 \| 410 \| 422 \| 500 \| 301 \| 503 \| 422	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	SEPA Instant reachability for the requested BIC.

Example response

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "SwiftBic": "COBADEFFXXX",
    "SepaReachability": "sepa_instant",
    "LastCheckedAt": "08-14-2026 03:16:22 AM",
    "DataVersion": "2026-08-14"
  }
}

SepaReachability values: sepa_instant (BIC is on the EBA RT1 Instant list), sepa_standard (BIC is not Instant-reachable), unknown (BIC could not be normalized). LastCheckedAt is the time of this lookup. DataVersion is the RT1 list version used for the check (YYYY-MM-DD). This endpoint does not persist the result; creating a SEPA EUR payment instrument stores these fields on the instrument.

Requires `Authorization: Bearer {SessionToken}` from Get Session Token. Refresh via `x-refresh-token` when supplied; use the same client IP as authentication.