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API reference
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Introduction

Welcome to Januar API! You can use our API to automate access to your payment accounts with Januar.

Environments

Januar provides two distinct environments available to the public:

Environment name Base URL Description
UAT https://api.test.januar.com Used for testing integrations
Production https://api.januar.com Live production environment

Message format

The Januar API uses JSON for both HTTP request and response payloads.

Success responses

Success response example where primary data is an object

{
  "data": {
    // ...
  },
  "metadata": {}
}

Success response example for a list endpoint

{
  "data": [
    // ...
  ],
  "metadata": {
    "pagination": {
      "pageSize": 100,
      "page": 0,
      "totalRecords": 1234
    }
  }
}

Whenever the API returns a success status code (2xx), the response payload contains a JSON object with the following format:

Field Type Description
data Object or Array Primary data returned from the endpoint.
metadata Object Metadata about the response
↳ pagination Object (Optional) Pagination information, is defined in list endpoints.
  ↳ pageSize Number Maximum number of records returned per page in this response
  ↳ page Number Page number to retrieve, 0-indexed
  ↳ totalRecords Number Total number of records available

Error responses

Error format example

{
  "error": {
    "code": "insufficient-funds",
    "message": "Your account does not have sufficient balance to carry out this operation.",
    "context": {
      "requiredBalance": "123.45",
      "availableBalance": "100.00",
      "currency": "EUR"
    }
  },
  "sessionId": "ABC123ABC1234"
}

Default error payload for 401 Unauthorized

{
  "error": {
    "code": "invalid-authentication",
    "message": "Authentication failed",
    "context": {}
  },
  "sessionId": "ABC123ABC1234"
}

Default error payload for 404 Not Found

{
  "error": {
    "code": "not-found",
    "message": "The requested resource was not found",
    "context": {}
  },
  "sessionId": "ABC123ABC1234"
}

Whenever the API returns an error status code (4xx for client errors, 5xx for server errors), the response payload contains a JSON object with the following format (See example to the right):

Field Type Description
error Object Object describing the error that occurred.
↳ code String Machine-readable error code.
↳ message String Human-friendly error message.
↳ context Object Additional information related to the error. Object structure depends on the error code. Empty object if nothing.
sessionId String (Optional) session ID (also known as correlation ID) for the action. null if error occurred in such a way that an ID could not be generated (never expected to happen).

The Januar API uses the following HTTP error codes:

Error Code Meaning
400 Bad Request Bad Request -- Your request is invalid.
401 Unauthorized Unauthorized -- Your authentication details are invalid. See Authentication section for more information
403 Forbidden You are not allowed to access the specified resource.
404 Not Found The specified resource could not be found.
500 Internal Server Error We had a problem with our server. Try again later.
503 Service Unavailable We're temporarily offline for maintenance. Please try again later.

Common data types

This section lists common data types that will be used throughout the API:

Amount

All amounts are decimal numbers encoded as strings to avoid implicit precision errors when encoding/decoding the amounts.

An example is "203.10".

Country

All countries are represented by their * ISO 3166-1 alpha-2 country code*.

Examples include "DE" for Germany, and "DK" for Denmark.

Currency

All fiat currencies are represented by their ISO 4217 currency code.

Examples include "EUR" for Euro, and "DKK" for Danish Krone.

IBAN

IBANs (International Bank Account Number) are defined in the ISO 13616 standard (Wikipedia IBAN page).

An example of a Danish IBAN is "DK8589000099106422".

BIC code

BICs (Business Identifier Code) are represented by their * ISO 9362 code*.

An example of a Danish BIC is "SXPYDKKKXXX".

Timestamp

All timestamps are represented by a *ISO 8601 timestamp *.

An example is "2022-09-05T09:28:36Z", meaning the timestamp 09:28:36 (UTC timezone) on September 5th, 2022.

Timestamps may include millisecond precision where applicable: "2022-09-05T09:28:36.420Z"

Authentication

Example Authorization header:

Authorization: JanuarAPI apikey="e871abb0-8a8d-4f6a-8551-7d34927af641", nonce="1660895358165", signature="oEp4bQXaYnRWG2XrbGfqeuGPEef6fokPjq9mA+gzBbE="

You must obtain an API key and secret pair to access our API. This key and secret pair must be used in the construction of every HTTP request to authenticate towards our API.

In order to authenticate an HTTP request, it must include the following information in the Authorization HTTP header:

Signature generation

To generate a valid Authorization header, use this code:

import org.apache.commons.codec.binary.Base64;
import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;

String method="POST";
String accountId="cd74be8b-9f34-456e-86ee-15fa46a2a8b7";
String path=URLEncoder.encode("/accounts/"+accountId+"/transactions/payout","UTF-8");
String payload="{\"amount\": \"12.45\", \"currency\": \"DKK\", \"iban\": \"LU044080000020017267\", \"paymentTime\": \"2023-05-25T11:43:00Z\", \"message\": \"Transfer to Acme customer\", \"name\": \"James Robert\", \"internalNote\": \"message to myself\"}";

String apiKey="e871abb0-8a8d-4f6a-8551-7d34927af641";
String apiSecret="d39e5f5d-281e-4917-a878-8392dedaaf55";
SecretKeySpec secretKey=new SecretKeySpec(apiSecret.getBytes("UTF-8"),"HmacSHA256");
long nonce=1660895358165L; // // Use System.currentTimeMillis() to get current Unix timestamp

String messageToSign=nonce+"|"+method+"|"+path+"|"+payload;

Mac sha256_HMAC=Mac.getInstance("HmacSHA256");
sha256_HMAC.init(secretKey);
String signature=new String(Base64.encodeBase64(sha256_HMAC.doFinal(messageToSign.getBytes("UTF-8"))));

String authHeader="Authorization: JanuarAPI apikey=\""+apiKey+"\", nonce=\""+nonce+"\", signature=\""+signature+"\"";

System.out.println(authHeader);

// Outputs:
// Authorization: JanuarAPI apikey="e871abb0-8a8d-4f6a-8551-7d34927af641", nonce="1660895358165", signature="3hhU/isW55nkONRRi0rPoBwv6+MP0LDtIkgXLCxeiRI="


import crypto from 'crypto';

const method = 'POST';
const accountId = 'cd74be8b-9f34-456e-86ee-15fa46a2a8b7'
const path = encodeURIComponent(
        '/accounts/' + accountId + '/transactions/payout');
const payload = JSON.stringify(
        {
          "amount": "12.45",
          "currency": "DKK",
          "iban": "LU044080000020017267",
          "paymentTime": "2023-05-25T11:43:00Z",
          "message": "Transfer to Acme customer",
          "name": "James Robert",
          "internalNote": "message to myself"
        });

const apiKey = 'e871abb0-8a8d-4f6a-8551-7d34927af641';
const apiSecret = 'd39e5f5d-281e-4917-a878-8392dedaaf55';
const nonce = 1660895358165; // Use Date.now() to get current Unix timestamp

const messageToSign = nonce + '|' + method + '|' + path + '|' + payload;

const signature = crypto.createHmac('sha256', apiSecret).update(messageToSign).digest('base64');

const authHeader = `Authorization: JanuarAPI apikey="${apiKey}", nonce="${nonce}", signature="${signature}"`;

// Outputs:
// Authorization: JanuarAPI apikey="e871abb0-8a8d-4f6a-8551-7d34927af641", nonce="1660895358165", signature="3hhU/isW55nkONRRi0rPoBwv6+MP0LDtIkgXLCxeiRI="
console.log(authHeader);

import base64
import hmac
import json
import time
import urllib.parse
from hashlib import sha256

method = 'POST'
account_id = 'cd74be8b-9f34-456e-86ee-15fa46a2a8b7'
path = '/accounts/' + account_id + '/transactions/payout'
encoded_path = urllib.parse.quote(path, safe='')

payload = {
  "amount": "12.45",
  "currency": "DKK",
  "iban": "GB15CLYD82663220400952",
  "paymentTime": "2023-05-25T11:43:00Z",
  "message": "Transfer to Acme customer",
  "name": "James Robert",
  "internalNote": "message to myself"
}

api_key = "e871abb0-8a8d-4f6a-8551-7d34927af641"
api_secret = "d39e5f5d-281e-4917-a878-8392dedaaf55"
nonce = 1660895358165  # use int(time.time() * 1000) for current Unix timestamp

message_to_sign = f"{nonce}|{method}|{encoded_path}|{json.dumps(payload)}".encode(
        "utf-8")

sha256_HMAC = hmac.new(api_secret.encode("utf-8"), message_to_sign,
                       digestmod=sha256)
signature = base64.b64encode(sha256_HMAC.digest()).decode()

auth_header = f'Authorization: JanuarAPI apikey="{api_key}", nonce="{nonce}", signature="{signature}"'

print(auth_header)

# Output
# Authorization: JanuarAPI apikey="e871abb0-8a8d-4f6a-8551-7d34927af641", nonce="1660895358165", signature="3Cr1HxM7ZNnAIFNehJ4FLbbHPvFFdE0xi8cFJ4tGiOE="

Make sure to replace apiKey and apiSecret with your API key and secret pair.

A valid request signature signs over the following parts of an HTTP request:

The signature is a HMAC-SHA256 of the concatenation of the nonce, method (uppercased), path (including query string) and body (if no body, empty string), separated by pipe character (|), using the API secret as signing key, encoded with base64.

Authentication error

Authentication error object (HTTP status code will be 401 Unauthorized)

{
  "code": "IDENTITY_ACCESS_MANAGEMENT_CUSTOMER_UNAUTHORIZED",
  "message": "Customer is not authorized to access this resource",
  "context": {}
}

In case the Authorization header is missing, api key doesn't exist, or the signature validation fails, any request will fail with a 401 Unauthorized HTTP status code.

Accounts

The Accounts API also has Swagger/OpenAPI documentation available here

Terminology

This section aims to provide a high-level overview of the different entities and concepts in the Accounts API

Concept Description
Account An account holds your balances in one or more currencies.
Balance A balance is the amounts of total, available and reserved money in a single currency of a given account.
Transaction A transaction in its basic form represents a group of account movements happening as one unit. It is specialized in multiple different sub types detailing individual interactions that can happen on your account, e.g. a payout (See Types of transactions below).

Types of transactions

Type Description
Payin A payin transaction is when money is received in your account from an external account.
Returned payin A returned payin transaction is when a previously received payin transaction was returned to the sender.
Payout A payout transaction is when money is sent from your account to an external account.
Returned payout A returned payout transaction is when a previously sent payout transaction was returned to your account.
Currency conversion A currency conversion transaction is when you convert money from one currency in your account to another currency in the same account.
Fee A fee transaction is when your account is charged a stand-alone fee.
Returned fee A returned fee transaction is when a previously paid fee transaction was returned to your account.

List accounts

Example 200 OK response for GET /accounts

{
  "data": [
    {
      "id": "f27cd81e-27ef-43fd-9aaf-22abe65dd0c7",
      "name": "My account",
      "status": "active",
      "defaultCurrency": "EUR",
      "currencies": {
        "DKK": {
          "balance": "1175023.15"
        },
        "EUR": {
          "balance": "996225.43"
        }
      },
      "accountNumbers": [
        {
          "iban": "DK8589000099106422",
          "country": "DK",
          "defaultCurrency": "EUR",
          "bank": {
            "name": "BANKING CIRCLE",
            "bic": "SXPYDKKKXXX",
            "address": [
              {
                "street": "Amerika Plads 38",
                "zip": "2100",
                "city": "København Ø",
                "region": "Hovedstaden",
                "country": "DK"
              }
            ]
          },
          "bankIdentifier": "8900",
          "accountNumber": "0099106422"
        }
      ]
    }
  ],
  "metadata": {}
}

This endpoint retrieves all your accounts.

HTTP Request

GET /accounts

HTTP Response

200 OK

The endpoint returns a list of account objects

Get account

Example 200 OK response for GET /accounts/:accountId

{
  "data": {
    "id": "f27cd81e-27ef-43fd-9aaf-22abe65dd0c7",
    "name": "My account",
    "status": "active",
    "defaultCurrency": "EUR",
    "currencies": {
      "DKK": {
        "balance": "1175023.15"
      },
      "EUR": {
        "balance": "996225.43"
      }
    },
    "accountNumbers": [
      {
        "iban": "DK8589000099106422",
        "country": "DK",
        "defaultCurrency": "EUR",
        "bank": {
          "name": "BANKING CIRCLE",
          "bic": "SXPYDKKKXXX",
          "address": [
            {
              "street": "Amerika Plads 38",
              "zip": "2100",
              "city": "København Ø",
              "region": "Hovedstaden",
              "country": "DK"
            }
          ]
        }
      }
    ]
  },
  "metadata": {}
}

This endpoint retrieves an account.

HTTP Request

GET /accounts/:accountId

Path Parameters

Parameter Description
accountId ID of the account to be retrived.

HTTP Response

200 OK

The endpoint returns an account object

List transactions

This endpoint lists all transactions for a particular account, sorted by newest first.

Example 200 OK response for GET /accounts/75db7319-d2fd-4610-98c2-201fbe49e6f3/transactions

{
  "data": [
    {
      "id": "814b3ab1-b997-40a3-8c63-5593518fb619",
      "accountId": "75db7319-d2fd-4610-98c2-201fbe49e6f3",
      "type": "PAYOUT",
      "currency": "EUR",
      "status": "COMPLETED",
      "amount": "-123.45",
      "feeAmount": "-0.10",
      "message": "Transfer to Acme customer",
      "internalNote": "message to myself",
      "counterparty": {
        "name": "Januar Aps",
        "accountNumber": "DE68500105178297336485",
        "accountNumberType": "IBAN",
        "accountNumberCountryCode": "DE"
      },
      "initiatedTime": "2022-08-17T11:31:43.868328Z",
      "paymentTime": "2022-08-31T10:00:00Z"
    },
    {
      // ... more transactions
    }
  ],
  "metadata": {
    "pagination": {
      "pageSize": 100,
      "page": 0,
      "totalRecords": 61
    }
  }
}

HTTP Request

GET /accounts/:accountId/transactions

Path Parameters

Parameter Description
accountId ID of account to list transactions for.

Query Parameters

Parameter Default Description
types [] If set, only return transactions of the given types
pageSize 100 Positive integer determining how many transactions to return per page, max 1000
page 0 Page number to retrieve, 0-indexed
statuses [] List of payout Payout statuses to query. As statuses only apply to payouts, adding a status filter to the query, will result in only payouts will be returned. If not provided, all types will be queried
dateFrom null Determines the earliest transactionTime of the transactions queried. Format YYYY-MM-DD
dateTo null Determines the latest transactionTime of the transactions queried. Format YYYY-MM-DD
amountFrom null Determines the inclusive lower limit for the transaction amount
amountTo null Determines the inclusive upper limit for the transaction amount
currencies [] List of currencies code to query. If not provided, all transaction currencies will be queried
text null Search term. Will query in following fields message, counterparty.accountNumber, counterparty.name, internalNote

HTTP Response

200 OK

The endpoint returns a list of transactions

Possible errors

HTTP Status code error.code Description context
404 Not Found ACCOUNT_NOT_FOUND Account with ID :accountId not found on customer: :customerId None
400 Bad Request BAD_REQUEST Invalid value: :value for field: :field None
400 Bad Request BAD_REQUEST Type mismatch None
400 Bad Request CURRENCY_NOT_SUPPORTED Invalid currency: :currency None

Get transaction

This endpoint retrieves a transaction for a particular account.

Example 200 OK response

for GET /accounts/75db7319-d2fd-4610-98c2-201fbe49e6f3/transactions/814b3ab1-b997-40a3-8c63-5593518fb619

{
  "data": {
    "id": "814b3ab1-b997-40a3-8c63-5593518fb619",
    "accountId": "75db7319-d2fd-4610-98c2-201fbe49e6f3",
    "type": "PAYOUT",
    "completedTime": "2023-03-26T01:00:08.806Z",
    "currency": "EUR",
    "status": "COMPLETED",
    "amount": "-123.45",
    "feeAmount": "0.00",
    "message": "Transfer to Acme customer",
    "internalNote": "message to myself",
    "counterparty": {
      "name": "Januar Aps",
      "accountNumber": "DE68500105178297336485",
      "accountNumberType": "IBAN",
      "accountNumberCountryCode": "DE"
    },
    "initiatedTime": "2023-03-21T10:51:40.415604Z",
    "paymentTime": "2023-03-26T11:51:40Z"
  },
  "metadata": {}
}

HTTP Request

GET /accounts/:accountId/transactions/:transactionId

Path Parameters

Parameter Description
accountId ID of the account to list the transaction.
transactionId ID of the transaction to be retrieved.

HTTP Response

200 OK

The endpoint returns a transaction

Possible errors

HTTP Status code error.code Description context
404 Not Found ACCOUNT_NOT_FOUND Account with ID :accountId not found on customer: :customerId None
400 Bad Request BAD_REQUEST Type mismatch None

Initiate payout

This endpoint enables you to initiate a single payout.

HTTP Request

POST /accounts/:accountId/transactions/payout

Example request for initiating a payout at POST /accounts/:accountId/transactions/payout

{
  "amount": "10.01",
  "currency": "EUR",
  "paymentTime": "2022-09-16T06:00:00Z",
  "message": "Payment ref: #abcdef",
  "internalNote": "Payment for goods",
  "counterparty": {
    "name": "Januar Aps",
    "accountNumber": "DE68500105178297336485",
    "accountNumberType": "IBAN",
    "accountNumberCountryCode": "DE"
  }
}

Path Parameters

Parameter Description
accountId ID of account to initiate the payout for.

Request body

Field Type Description
amount Amount The amount of the payout. Note the fee amount will be visible on the initiated payout instance.
currency Currency Currency of the payout.
paymentTime Timestamp (Optional) The future timestamp of when this payout should happen. If not specified it should happen now.
message String Message to the receiver.
internalNote String (Optional) Note only visible to the creator of the payout.
counterparty Counterparty Counterparty information.
↳ name String Name of the receiver of this payout
↳ accountNumber String Account number of the reciever - this can be an IBAN(ISO 13616:2020) or BBAN
↳ accountNumberType String Type of the account number - either IBAN or BBAN
↳ accountNumberCountryCode String (Optional for IBANs) Country code of the account number

HTTP Response

Example 201 Created response from initiate payout

{
  "data": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "accountId": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "type": "PAYIN",
    "completedTime": "2022-11-12T12:34:56Z",
    "currency": "EUR",
    "status": "PENDING",
    "amount": "10.01",
    "feeAmount": "0.51",
    "message": "Payment ref: #abcdef",
    "internalNote": "Payment for goods",
    "initiatedTime": "2022-11-12T12:34:56Z",
    "paymentTime": "2022-11-12T12:34:56Z",
    "counterparty": {
      "name": "Januar Aps",
      "accountNumber": "DE68500105178297336485",
      "accountNumberType": "IBAN",
      "accountNumberCountryCode": "DE"
    }
  },
  "metadata": {}
}

201 Created

The endpoint returns a payout transaction

Possible errors

HTTP Status code error.code Description context
400 Bad Request invalid-format There was a formatting error in the request. See error message for details. None
400 Bad Request invalid-iban Invalid IBAN specified. None
400 Bad Request insufficient-funds There is insufficient funds available on the account to initiate the payout. requiredBalance: the required balance for the payout
availableBalance: the available balance
currency: currency for the balances
400 Bad Request invalid-payment-time The paymentTime must be in the future. None
400 Bad Request unsupported currency Specified currency is not supported by the account. None
404 Not found account-not-found Account with ID :accountId could not be found. None

Cancel payout

Example request for cancelling a payout at PUT /accounts/:accountId/transactions/payout/:payoutId/cancel

Example 200 OK response from canceled payout

{
  "data": {
    "id": "67f8cbd2-166a-48b2-86e1-f0c46a426aa3",
    "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
    "type": "PAYOUT",
    "currency": "EUR",
    "status": "CANCELLED",
    "amount": "-123.45",
    "feeAmount": "-0.10",
    "message": "Transfer to Acme customer",
    "internalNote": "message to myself",
    "initiatedTime": "2022-09-05T10:45:12Z",
    "paymentTime": "2022-09-16T06:00:00Z",
    "counterparty": {
      "name": "Januar Aps",
      "accountNumber": "DE68500105178297336485",
      "accountNumberType": "IBAN",
      "accountNumberCountryCode": "DE"
    }
  },
  "metadata": {}
}

This endpoint enables you to cancel payouts.

HTTP Request

PUT /accounts/:accountId/transactions/payout/:payoutId/cancel

Path Parameters

Parameter Description
accountId ID of account to initiate the payout for.
payoutId ID of the payout to cancel

Request body

The request body should be left empty

HTTP Response

200 OK

The endpoint returns a payout transaction with a CANCELLED status

Possible errors

HTTP Status code error.code Description context
404 Not Found ACCOUNT_NOT_FOUND Account with ID :accountId not found on customer: :customerId None
404 Not Found PAYOUT_NOT_FOUND Payout with ID :payoutId could not be found. None
400 Bad Request payout-not-cancelable The specified payout is not cancelable as it is in a final state None
400 Bad Request BAD_REQUEST Type mismatch None

Data model

This section describes the data model of each type of entity in the Accounts API:

Account

Example account object

{
  "id": "f27cd81e-27ef-43fd-9aaf-22abe65dd0c7",
  "name": "My account",
  "status": "active",
  "defaultCurrency": "EUR",
  "currencies": {
    "DKK": {
      "balance": "1175023.15"
    },
    "EUR": {
      "balance": "996225.43"
    }
  },
  "accountNumbers": [
    {
      "iban": "DK8589000099106422",
      "country": "DK",
      "defaultCurrency": "EUR",
      "bank": {
        "name": "BANKING CIRCLE",
        "bic": "SXPYDKKKXXX",
        "address": [
          {
            "street": "Amerika Plads 38",
            "zip": "2100",
            "city": "København Ø",
            "region": "Hovedstaden",
            "country": "DK"
          }
        ]
      },
      "bankIdentifier": "8900",
      "accountNumber": "0099106422"
    }
  ]
}

An account holds your balances in one or more currencies.

Field Type Description
id String (UUID) Unique identifier for the account
name String Name of account
status String Either active or inactive
defaultCurrency Currency Currency code for account's default currency. Always corresponds to a key in the currencies object.
currencies Object Map of currencies supported by the account. Each key is a supported currency.
↳ currency Object Single currency supported by the account.
  ↳ balance String Balance for specific currency in the account.
accountNumbers Array Account numbers associated with the account
↳ [] Object A single account number object
  ↳ iban IBAN IBAN (International Bank Account Number)
  ↳ country Country Country of account number
  ↳ defaultCurrency Currency Default currency of account number.
  ↳ bank Bank Bank providing the account number

Transaction

Example transaction object of type PAYIN.

Note that the id, accountId, type, and completedTime fields are present for all types of transactions, while the rest of the fields are specific for the PAYIN transaction type.

{
  "id": "780e39f3-4fde-49c8-bd25-2ec2364fd01e",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "type": "PAYIN",
  "completedTime": "2022-08-15T11:45:32Z",
  "currency": "EUR",
  "amount": "123.45",
  "feeAmount": "-0.10",
  "message": "Transfer from Acme customer",
  "counterparty": {
    "name": "Januar Aps",
    "accountNumber": "DE68500105178297336485",
    "accountNumberType": "IBAN",
    "accountNumberCountryCode": "DE"
  }
}

A transaction in its basic form represents a group of account movements happening as one unit. It is specialized in multiple different sub types detailing individual interactions that can happen on your account, e.g. a payout.

A transaction has a number of base fields which are always included for any transaction type, as well as a number of fields which are type-specific. The base fields are defined first, and subsequently each specific transaction type is documented:

Field Type Description
id String (UUID) Unique identifier for the transaction.
accountId String (UUID) Reference to the account that this transaction belongs to.
type String Type of transaction. This value should be used to determine which type-specific fields are included. See transaction types below.
completedTime Timestamp (Optional) Timestamp when the transaction was completed.

Transaction types

For a brief overview of the different transaction types, please refer to the terminology section above.

type Transaction type
PAYIN Payin
RETURNED_PAYIN Returned Payin
PAYOUT Payout
RETURNED_PAYOUT Returned Payout
CURRENCY_CONVERSION Currency conversion
FEE Fee
RETURNED_FEE Returned Fee

Payin transaction (PAYIN)

Example payin transaction object

{
  "id": "314b54a3-eb06-4dba-9032-9c06618763aa",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "type": "PAYIN",
  "completedTime": "2022-08-15T11:45:32Z",
  "currency": "EUR",
  "amount": "123.45",
  "feeAmount": "-0.10",
  "message": "Transfer from Acme customer",
  "counterparty": {
    "name": "Januar Aps",
    "accountNumber": "DE68500105178297336485",
    "accountNumberType": "IBAN",
    "accountNumberCountryCode": "DE"
  }
}

A payin transaction is when money is received in your account from an external account. The account balance increases with the amount specified in the amount field (subtracted an optional feeAmount).

Field Type Description
currency Currency Currency code for this payin
amount Amount Positive amount indicating the money received in the account.
feeAmount Amount Zero or negative amount indicating the amount deducted as a fee of this transaction.
message String Free-text description from the sender.
counterparty Counterparty Counterparty information.
↳ name String Name of the receiver of this payout
↳ accountNumber String Account number of the reciever - this can be an IBAN(ISO 13616:2020) or BBAN
↳ accountNumberType String Type of the account number - either IBAN or BBAN
↳ accountNumberCountryCode String (Optional for IBANs) Country code of the account number

Returned Payin transaction (RETURNED_PAYIN)

Example returned payin transaction object

{
  "id": "c16f5074-132b-4d41-b5d7-c7ffdb8217e6",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "payinId": "314b54a3-eb06-4dba-9032-9c06618763aa",
  "type": "RETURNED_PAYIN",
  "completedTime": "2022-08-15T11:45:32Z",
  "currency": "EUR",
  "amount": "-123.45",
  "feeAmount": "0.10"
}

A returned payin transaction is when a previously received payin transaction was returned to the sender.

Field Type Description
payinId String (UUID) Id of the original payin transaction that this transaction returns.
currency Currency Currency code for this returned payin
amount Amount Negative amount indicating the money subtracted from the account.
feeAmount Amount Zero or positive amount indicating the amount added to the account.

Payout transaction (PAYOUT)

Example payout transaction object

{
  "id": "67f8cbd2-166a-48b2-86e1-f0c46a426aa3",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "type": "PAYOUT",
  "completedTime": "2022-08-15T11:45:32Z",
  "paymentTime": "2022-08-15T11:40:12Z",
  "initiatedTime": "2022-08-15T11:40:12Z",
  "currency": "EUR",
  "status": "COMPLETED",
  "amount": "-123.45",
  "feeAmount": "-0.10",
  "message": "Transfer to Acme customer",
  "internalNote": "message to myself",
  "counterparty": {
    "name": "Januar Aps",
    "accountNumber": "DE68500105178297336485",
    "accountNumberType": "IBAN",
    "accountNumberCountryCode": "DE"
  },
  "initiator": {
    "type": "user",
    "user": {
      "name": "John Doe",
      "email": "john.doe@company.com"
    }
  },
  "approver": {
    "type": "user",
    "user": {
      "name": "Jane Doe",
      "email": "jane.doe@company.com"
    }
  },
  "approvalNote": "LGTM!",
  "events": [
    {
      "type": "initiated",
      "timestamp": "2022-11-11T12:34:56Z"
    },
    {
      "type": "approved",
      "timestamp": "2022-11-12T12:34:56Z"
    },
    {
      "type": "processed",
      "timestamp": "2022-11-131T12:34:56Z"
    },
    {
      "type": "sent-to-recipient"
    },
    {
      "type": "completed"
    }
  ]
}

A payout transaction is a payout from the account to an external account. The account balance decreased with the amount specified in the amount field (including an optional feeAmount).

Field Type Description
currency Currency Currency code for this payout
status Payout status Status of this payout
amount Amount Negative amount indicating the amount deducted from the account for this transaction.
feeAmount Amount Zero or negative amount indicating the fee amount deducted from the account.
message String Free-text message to the receiver.
internalNote String (Optional) Free-text internal note to oneself.
counterparty Counterparty Counterparty information.
↳ name String Name of the receiver of this payout
↳ accountNumber String Account number of the reciever - this can be an IBAN(ISO 13616:2020) or BBAN
↳ accountNumberType String Type of the account number - either IBAN or BBAN
↳ accountNumberCountryCode String (Optional for IBANs) Country code of the account number
initiatedTime Timestamp Timestamp of when the payout was initiated in the account.
paymentTime Timestamp Timestamp of when the payout was set to happen (payout can be delayed for some reason).
initiator Object Reference to initiator of payout
↳ type String Type of initiator. Possible values are api and user.
↳ user Object (Only present if initiator.type is user) Initiator user data
  ↳ name String Initiator name
  ↳ email String Initiator email
approver Object (Optional) Reference to approver of payout. Only present if payout was manually approved
↳ type String Type of approver. Only possible value is user.
↳ user Object Approver user data
  ↳ name String Approver name
  ↳ email String Approver email
approvalNote String (Optional) Approver's note. Only present if payout was manually approved
rejector Object (Optional) Reference to rejector of payout. Only present if payout was manually rejected
↳ type String Type of rejector. Only possible value is user.
↳ user Object Rejector user data
  ↳ name String Rejector name
  ↳ email String Rejector email
rejectionNote String (Optional) Approver's note. Only present if payout was manually rejected
events Array List of events related to the payout. Sorted by oldest first
↳ type String Type of event. Possible values are initiated, approved, processed, sent-to-recipient, completed.
↳ timestamp Timestamp (Optional) Timestamp of event. Is absent if event has not yet occurred.

Payout statuses

A PAYOUT transaction can have the following status codes:

Status code Description Final state?
AWAITING_CONFIRMATION The payout is awaiting confirmation from initiator. Only used when initiating from the web interface No
AWAITING_APPROVAL The payout is awaiting approval from an approver No
PENDING The payout is pending completion No
CANCELLED The payout was cancelled before it could complete Yes
REJECTED The payout was rejected Yes
COMPLETED The payout was successfully executed Yes

Returned Payout transaction (RETURNED_PAYOUT)

Example returned payout transaction object

{
  "id": "158315d3-3263-4906-839d-b755ef13498a",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "payoutId": "67f8cbd2-166a-48b2-86e1-f0c46a426aa3",
  "type": "RETURNED_PAYOUT",
  "completedTime": "2022-08-15T11:45:32Z",
  "currency": "EUR",
  "amount": "123.45",
  "feeAmount": "0.10"
}

A returned payout transaction is when a previously sent payout transaction was returned to your account.

Field Type Description
payoutId String (UUID) Id of the original payout transaction that it returns.
currency Currency Currency code for this payout
amount Amount Positive amount indicating the amount added to the account as part of this returned payout.
feeAmount Amount Zero or positive amount indicating the fee amount returned as part of this returned payout.

Currency conversion transaction (CURRENCY_CONVERSION)

Example currency conversion transaction object

{
  "id": "0223f4bd-3072-4387-9c46-b9f927ee756c",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "type": "CURRENCY_CONVERSION",
  "completedTime": "2022-08-15T11:45:32Z",
  "sellCurrency": "EUR",
  "sellAmount": "-1000.00",
  "sellRate": "7.44123",
  "buyCurrency": "DKK",
  "buyAmount": "7441.23"
}

A currency conversion transaction is when you convert money from one currency (the sell currency) in your account to another currency (the buy currency) in the same account.

Field Type Description
sellCurrency Currency Currency code of the sell amount.
sellAmount Amount Negative amount indicating the amount deducted from the account.
sellRate String Rate of the currency conversion.
buyCurrency Currency Currency code of the buy amount.
buyAmount Amount Positive number indicating the buy amount added to the account.

Fee transaction (FEE)

Example fee transaction object

{
  "id": "d4450c67-80a1-4244-9ed3-9ae07aa7c686",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "type": "FEE",
  "completedTime": "2022-08-15T11:45:32Z",
  "currency": "EUR",
  "amount": "-99.90",
  "message": "Acme monthly subscription fee"
}

A fee transaction is when your account is charged a stand-alone fee.

Field Type Description
currency Currency Currency code for this fee.
amount Amount Negative amount indicating the amount deducted from the account from this fee transaction.
message String Message describing the fee to the receiver.

Returned Fee transaction (RETURNED_FEE)

Example returned fee transaction object

{
  "id": "f3507542-edcf-4e8a-959d-3771fef2a380",
  "accountId": "3fa8bac8-e173-4d49-8f68-18ec2bd52b2a",
  "feeId": "90aac3f6-584b-4d3e-9d9c-a6c1332c74f5",
  "type": "RETURNED_FEE",
  "completedTime": "2022-08-15T11:45:32Z",
  "currency": "EUR",
  "amount": "99.90"
}

A returned fee transaction is when a previously paid fee transaction was returned to your account.

Field Type Description
feeId String (UUID) Id of the fee transaction that it returns.
currency Currency Currency code for this fee.
amount Amount Positive amount indicating the amount added to the account because of this returned fee transaction.

Bank

Example bank object

{
  "name": "BANKING CIRCLE",
  "bic": "SXPYDKKKXXX",
  "address": {
    "street": "Amerika Plads 38",
    "zip": "2100",
    "city": "København Ø",
    "region": "Hovedstaden",
    "country": "DK"
  }
}

A reference to a bank.

Field Type Description
name String Bank name
bic BIC BIC (Business Identifier Code) for bank
address Address Bank address

Address

Example address object

{
  "street": "Gothersgade 14",
  "zip": "1123",
  "city": "København",
  "region": "Hovedstaden",
  "country": "DK"
}

A reference to a physical address.

Field Type Description
street String Street address
zip String (Optional) Zip code
city String City
region String (Optional) Region country
country Country Country code.

Notifications

Terminology for notifications

This section aims to provide a high-level overview of the different entities and concepts for notifications

The overall concept of notifications is to subscribe to get updates on specific events. The triggering events are defined below under Available Channels. This platform currently supports notifications via webhooks. To enable notifications, simply create a new notification via the Post Notifications endpoint. To disable notifications, simply delete any existing notifications.

Concept Description
Webhook A Webhook is a HTTP POST initiated from januar to the given endpoint carrying a payload of data.
Channel A Channel is the entity on which to subscribe to a given available notification. See list of available channels below.
Destination A Destination is an HTTP(S) endpoint for Webhooks
Label A Label is simply a human readable label for any given notification

Available Channels and destination types:

Channel Destination type Description
WEBHOOK_FIAT_ALL A HTTP(S) endpoint Subscribes to all updates on FIAT transactions, ie everytime a FIAT transactions changes state, a webhook is triggered.

List notifications

Example 200 OK response for GET /notifications

{
  "data": [
    {
      "id": "b7acbf16-7c23-4ef9-89c9-c1223dfe9a17",
      "channel": "WEBHOOK_FIAT_ALL",
      "destination": "https://test.com/webhook",
      "label": "label"
    }
  ],
  "metadata": {}
}

This endpoint returns a list of active notifications.

HTTP Request

GET /notifications

HTTP Response

The endpoint returns a list of notification objects.

Create notification

Example request for submitting a new notification at POST /notifications

{
  "channel": "WEBHOOK_FIAT_ALL",
  "destination": "https://test.com/webhook",
  "label": "label"
}

Example 201 Created response from submit notification

{
  "data": [
    {
      "id": "b7acbf16-7c23-4ef9-89c9-c1223dfe9a17",
      "channel": "WEBHOOK_FIAT_ALL",
      "destination": "https://test.com/webhook",
      "label": "label"
    }
  ],
  "metadata": {}
}

This endpoints allows you to submit a new notification.

HTTP Request

POST /notifications

Request Body

Parameter Type Description Validation rules
channel String Channel, see available list above required
destination String Endpoint required
label String Human readable label required

HTTP Response

The endpoint returns a notification object.

Possible errors

HTTP Status code Error Code Description
400 Bad Request VALIDATION Request body had invalid input
400 Bad Request NOTIFICATION_INVALID The destination is already defined

Update notification

Example request for submitting a new notification at PUT /notifications/:notificationid

{
  "channel": "WEBHOOK_FIAT_ALL",
  "destination": "https://test.com/webhook",
  "label": "label"
}

Example 201 Created response from submit notification

{
  "data": [
    {
      "id": "b7acbf16-7c23-4ef9-89c9-c1223dfe9a17",
      "channel": "WEBHOOK_FIAT_ALL",
      "destination": "https://test.com/webhook",
      "label": "label"
    }
  ],
  "metadata": {}
}

This endpoints allows you to update an existing notification.

HTTP Request

PUT /notifications/:notificationid

Path Parameters

Parameter Type Description
notificationid UUID ID of notification to be updated

Request Body

Parameter Type Description Validation rules
channel String Channel, see available list above required
destination String Endpoint required
label String Human readable label required

HTTP Response

The endpoint returns a notification object.

Possible errors

HTTP Status code Error Code Description context
400 Bad Request VALIDATION Request body had invalid input
400 Bad Request NOTIFICATION_NOT_FOUND The notification can not be found

Delete notification

This endpoint allows you to delete a given notification.

HTTP Request

DELETE /notifications/:notificationid

Path Parameters

Parameter Type Description
notificationid UUID ID of notification to be deleted

HTTP Response

The endpoint returns a 204 No Content response with an empty body.

Possible errors

HTTP Status code Error Code Description
404 Not Found NOTIFICATION_NOT_FOUND The given notification was not found

Notification Data Model

Example Notification object

{
  "id": "b7acbf16-7c23-4ef9-89c9-c1223dfe9a17",
  "channel": "WEBHOOK_FIAT_ALL",
  "destination": "https://test.com/webhook",
  "label": "label"
}
Field Type Description
id UUID The unique identifier of the notification
channel String The channel of the wallet
destination String HTTP(S) endpoint
label String Human readable label.
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