Payment Execution

Execute payments from ring-fenced vaults to providers, check payment status, retry failed payments, and cancel pending instructions. All payments are audit-logged.

/api/v1/payments

Endpoints

POST

/api/v1/payments/executeSoon

Execute a payment from a vault allocation

GET

/api/v1/payments/{payment_id}Soon

Get payment status and details

POST

/api/v1/payments/{payment_id}/retrySoon

Retry a failed payment

POST

/api/v1/payments/{payment_id}/cancelSoon

Cancel a pending payment

Parameters

Parameter	Type	Required	Description
vault_allocation_id	string	Required	Vault allocation to pay from
amount	integer	Required	Payment amount in pence
currency	string	Required	ISO 4217 currency code (GBP)
provider_id	string	Required	Target provider or payee
reference	string	Optional	Payment reference (max 18 chars for BACS)

Example

Request

http

POST /api/v1/payments/execute HTTP/1.1
Host: api.tpay365.com
Authorization: Bearer sk_live_abc123
Content-Type: application/json

{
  "vault_allocation_id": "alloc_xyz789",
  "amount": 95000,
  "currency": "GBP",
  "provider_id": "landlord_uk_001",
  "reference": "RENT-FEB-2026"
}

Response

json

{
  "payment_id": "pay_abc123",
  "status": "processing",
  "amount": 95000,
  "currency": "GBP",
  "provider_id": "landlord_uk_001",
  "reference": "RENT-FEB-2026",
  "initiated_at": "2026-02-10T14:30:00Z",
  "estimated_completion": "2026-02-11T09:00:00Z"
}