{ "info": { "_postman_id": "d8888b14-c3f0-49ca-bdbd-a33f3bd03b78", "name": "TrueLayer Mandates Payments API", "description": "The TrueLayer Payments API v3 enables applications to create and manage open banking payments, payouts, refunds, and variable recurring payment mandates across the UK and EU. TrueLayer connects to 69+ banks and provides a unified interface for instant bank payments using open banking rails. 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invalid token or missing signature", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/v3/payments/:id", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments", ":id" ], "variable": [ { "key": "id" } ] } }, "status": "Unauthorized", "code": 401, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"type\": \"\",\n \"title\": \"\"\n}", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-d85bf858-90f2-4db7-ab22-a7fa94c0e485" }, { "id": "a58e68c5-7232-4227-b2f2-8a1b51ba4c49", "name": "Resource not found", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/v3/payments/:id", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments", ":id" ], "variable": [ { "key": "id" } ] } }, "status": "Not Found", "code": 404, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"type\": \"\",\n \"title\": \"\"\n}", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-a58e68c5-7232-4227-b2f2-8a1b51ba4c49" } ], "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-078bd031-f646-448e-8e72-771c09dea3ac" } ], "id": "8e09664c-93c2-4741-ad8d-35dacbceefaa", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-8e09664c-93c2-4741-ad8d-35dacbceefaa" }, { "name": "Create Payment", "id": "07c2b631-857d-472d-b27f-666c98fa70bf", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "POST", "header": [ { "description": "(Required) Request signing signature (detached JWS)", "key": "Tl-Signature", "value": "" }, { "description": "(Required) UUID for idempotent request deduplication", "key": "Idempotency-Key", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "key": "Accept", "value": "application/json" } ], "body": { "mode": "raw", "raw": "{\n \"amount_in_minor\": \"\",\n \"currency\": \"GBP\",\n \"payment_method\": {\n \"type\": \"bank_transfer\",\n \"beneficiary\": {\n \"type\": \"merchant_account\",\n \"merchant_account_id\": \"\",\n \"account_holder_name\": \"\",\n \"account_identifier\": {\n \"type\": \"nrb\",\n \"sort_code\": \"\",\n \"account_number\": \"\",\n \"iban\": \"\"\n }\n },\n \"provider_selection\": {\n \"type\": \"user_selected\",\n \"provider_id\": \"\",\n \"filter\": {}\n },\n \"scheme_selection\": {\n \"type\": \"instant_preferred\"\n }\n },\n \"user\": {\n \"name\": \"\",\n \"id\": \"\",\n \"email\": \"\",\n \"phone\": \"\",\n \"date_of_birth\": \"\",\n \"address\": {}\n },\n \"metadata\": {\n \"aliquip3_\": \"\",\n \"inb32\": \"\",\n \"ullamco_dd\": \"\"\n }\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v3/payments", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments" ] }, "description": "Initiate a new payment via open banking. Supports closed-loop pay-ins to merchant accounts, single payments to external accounts, and mandate-based VRP payments. All POST requests must include a Tl-Signature header and Idempotency-Key." }, "response": [ { "id": "031e5cfa-7eb5-4e46-bf70-8afadddaf2aa", "name": "Payment created successfully", "originalRequest": { "method": "POST", "header": [ { "description": "(Required) Request signing signature (detached JWS)", "key": "Tl-Signature", "value": "" }, { "description": "(Required) UUID for idempotent request deduplication", "key": "Idempotency-Key", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "body": { "mode": "raw", "raw": "{\n \"amount_in_minor\": \"\",\n \"currency\": \"GBP\",\n \"payment_method\": {\n \"type\": \"bank_transfer\",\n \"beneficiary\": {\n \"type\": \"merchant_account\",\n \"merchant_account_id\": \"\",\n \"account_holder_name\": \"\",\n \"account_identifier\": {\n \"type\": \"nrb\",\n \"sort_code\": \"\",\n \"account_number\": \"\",\n \"iban\": \"\"\n }\n },\n \"provider_selection\": {\n \"type\": \"user_selected\",\n \"provider_id\": \"\",\n \"filter\": {}\n },\n \"scheme_selection\": {\n \"type\": \"instant_preferred\"\n }\n },\n \"user\": {\n \"name\": \"\",\n \"id\": \"\",\n \"email\": \"\",\n \"phone\": \"\",\n \"date_of_birth\": \"\",\n \"address\": {}\n },\n \"metadata\": {\n \"aliquip3_\": \"\",\n \"inb32\": \"\",\n \"ullamco_dd\": \"\"\n }\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v3/payments", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments" ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"id\": \"\",\n \"user\": {\n \"id\": \"\"\n },\n \"resource_token\": \"\",\n \"status\": \"authorization_required\"\n}", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-031e5cfa-7eb5-4e46-bf70-8afadddaf2aa" }, { "id": "53558661-2f90-4f09-857d-3f3e438c0964", "name": "Bad request - invalid parameters", "originalRequest": { "method": "POST", "header": [ { "description": "(Required) Request signing signature (detached JWS)", "key": "Tl-Signature", "value": "" }, { "description": "(Required) UUID for idempotent request deduplication", "key": "Idempotency-Key", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "body": { "mode": "raw", "raw": "{\n \"amount_in_minor\": \"\",\n \"currency\": \"GBP\",\n \"payment_method\": {\n \"type\": \"bank_transfer\",\n \"beneficiary\": {\n \"type\": \"merchant_account\",\n \"merchant_account_id\": \"\",\n \"account_holder_name\": \"\",\n \"account_identifier\": {\n \"type\": \"nrb\",\n \"sort_code\": \"\",\n \"account_number\": \"\",\n \"iban\": \"\"\n }\n },\n \"provider_selection\": {\n \"type\": \"user_selected\",\n \"provider_id\": \"\",\n \"filter\": {}\n },\n \"scheme_selection\": {\n \"type\": \"instant_preferred\"\n }\n },\n \"user\": {\n \"name\": \"\",\n \"id\": \"\",\n \"email\": \"\",\n \"phone\": \"\",\n \"date_of_birth\": \"\",\n \"address\": {}\n },\n \"metadata\": {\n \"aliquip3_\": \"\",\n \"inb32\": \"\",\n \"ullamco_dd\": \"\"\n }\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v3/payments", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments" ] } }, "status": "Bad Request", "code": 400, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"type\": \"\",\n \"title\": \"\",\n \"trace_id\": \"\",\n \"errors\": {}\n}", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-53558661-2f90-4f09-857d-3f3e438c0964" }, { "id": "0a7bd355-238a-4516-9ad0-d5ae68eb17df", "name": "Unauthorized - invalid token or missing signature", "originalRequest": { "method": "POST", "header": [ { "description": "(Required) Request signing signature (detached JWS)", "key": "Tl-Signature", "value": "" }, { "description": "(Required) UUID for idempotent request deduplication", "key": "Idempotency-Key", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "body": { "mode": "raw", "raw": "{\n \"amount_in_minor\": \"\",\n \"currency\": \"GBP\",\n \"payment_method\": {\n \"type\": \"bank_transfer\",\n \"beneficiary\": {\n \"type\": \"merchant_account\",\n \"merchant_account_id\": \"\",\n \"account_holder_name\": \"\",\n \"account_identifier\": {\n \"type\": \"nrb\",\n \"sort_code\": \"\",\n \"account_number\": \"\",\n \"iban\": \"\"\n }\n },\n \"provider_selection\": {\n \"type\": \"user_selected\",\n \"provider_id\": \"\",\n \"filter\": {}\n },\n \"scheme_selection\": {\n \"type\": \"instant_preferred\"\n }\n },\n \"user\": {\n \"name\": \"\",\n \"id\": \"\",\n \"email\": \"\",\n \"phone\": \"\",\n \"date_of_birth\": \"\",\n \"address\": {}\n },\n \"metadata\": {\n \"aliquip3_\": \"\",\n \"inb32\": \"\",\n \"ullamco_dd\": \"\"\n }\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v3/payments", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments" ] } }, "status": "Unauthorized", "code": 401, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"type\": \"\",\n \"title\": \"\"\n}", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-0a7bd355-238a-4516-9ad0-d5ae68eb17df" }, { "id": "22cd7519-09c7-4e6a-9b64-458fe5119f10", "name": "Unprocessable entity - business logic error", "originalRequest": { "method": "POST", "header": [ { "description": "(Required) Request signing signature (detached JWS)", "key": "Tl-Signature", "value": "" }, { "description": "(Required) UUID for idempotent request deduplication", "key": "Idempotency-Key", "value": "" }, { "key": "Content-Type", "value": "application/json" }, { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "body": { "mode": "raw", "raw": "{\n \"amount_in_minor\": \"\",\n \"currency\": \"GBP\",\n \"payment_method\": {\n \"type\": \"bank_transfer\",\n \"beneficiary\": {\n \"type\": \"merchant_account\",\n \"merchant_account_id\": \"\",\n \"account_holder_name\": \"\",\n \"account_identifier\": {\n \"type\": \"nrb\",\n \"sort_code\": \"\",\n \"account_number\": \"\",\n \"iban\": \"\"\n }\n },\n \"provider_selection\": {\n \"type\": \"user_selected\",\n \"provider_id\": \"\",\n \"filter\": {}\n },\n \"scheme_selection\": {\n \"type\": \"instant_preferred\"\n }\n },\n \"user\": {\n \"name\": \"\",\n \"id\": \"\",\n \"email\": \"\",\n \"phone\": \"\",\n \"date_of_birth\": \"\",\n \"address\": {}\n },\n \"metadata\": {\n \"aliquip3_\": \"\",\n \"inb32\": \"\",\n \"ullamco_dd\": \"\"\n }\n}", "options": { "raw": { "headerFamily": "json", "language": "json" } } }, "url": { "raw": "{{baseUrl}}/v3/payments", "host": [ "{{baseUrl}}" ], "path": [ "v3", "payments" ] } }, "status": "Unprocessable Entity (WebDAV) (RFC 4918)", "code": 422, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"type\": \"\",\n \"title\": \"\",\n \"errors\": {}\n}", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-22cd7519-09c7-4e6a-9b64-458fe5119f10" } ], "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-07c2b631-857d-472d-b27f-666c98fa70bf" } ], "id": "db5c76ca-e9db-491c-affc-36ab135371b9", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-db5c76ca-e9db-491c-affc-36ab135371b9" } ], "id": "3b1d4815-5d1f-4338-af92-93065842300a", "createdAt": "2026-07-28T03:20:03.000Z", "updatedAt": "2026-07-28T03:20:03.000Z", "uid": "35240-3b1d4815-5d1f-4338-af92-93065842300a" } ], "auth": { "type": "bearer", "bearer": [ { "key": "token", "value": "{{bearerToken}}", "type": "string" } ] }, "variable": [ { "key": "baseUrl", "value": "https://api.truelayer.com" } ] }