Paysend money transfer data: recipients, FX quotes and payout status

Paysend Group · Payments

Paysend: Send Money Home is the cross-border remittance app from Paysend Group, the London-founded fintech behind the Paysend network. It lets people send money to bank accounts, cards, mobile wallets and cash pickup points in about 170 recipient countries, and supports senders in roughly 50 markets including the UK, the US, the EEA, Mexico and Brazil. Beyond one-off transfers, the app bundles multi-currency pockets with local IBANs, virtual and plastic Paysend cards with freeze and PIN controls, recurring bank-transfer and card payouts, KYC document capture, referral bonuses and Paysend Plus subscription plans. Frequent senders use it for small, fast transfers to family abroad, while migrant workers and expats use the pockets and cards as a lightweight alternative to a traditional multi-currency bank account.

Payout routing, delivery progress and statement entries share payment_id for reconciliation. The transfer model carries recipient_country, recipient_account_number, recipient_sort_code, amount_from and amount_delivered, while status records add payment_status, delivery_method and timestamped status_transitions. Statement entries contribute payout_country, payment_currency, payment_value and payment_change_date, giving finance teams a way to match payouts to dated account activity.

Quotes keep rateValue separate from rateOrig and expose feeValue, feeCut, bonusSpecialRate and bonusSpecialCommission. Route calculations use recipient_country, payout_method and promo_code alongside payment_method_type, exchange_rate, fee_value and amount_to. Treasury and comparison tools can use these distinct pricing views to compare rates, fees and delivered amounts without treating a quoted amount as a completed payout.

Bank-directory fields bankCode, countryIso and paymentSystem describe destination rails for corridor analysis; timestamped status histories support delivery-time comparisons. Account context comes from the profile's kycState and limit fields limitType, limitState, limitValue, limitCurrency and availableAmount, supporting verification-state and remaining-capacity checks in onboarding workflows.

Card records supply masked cardNumber, cardExp, cardType, paymentSystem and isActive; pocket records supply pocketId, currency, balanceAmount and iban. Together they give finance and wallet builders a currency-by-currency funding view to accompany transfer reconciliation. openData Studio turns these field models into callable open data for pricing comparisons, delivery analysis and account reconciliation.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Open a Paysend session
POST /illustrative/v1/remittances/sign-in openbanking
Exchanges the account's phone number and password for the access and refresh tokens that gate every transfer, card and pocket call.
Auth: Unauthenticated. The phone number and password are exchanged for an accessToken (sent as an Authorization Bearer header) plus a session token reused as the X-Session-Id header on every later call.
- phoneNumber
- password
- deviceId
- accessToken
- refreshToken
- sessionToken
- expiresAt
- isNewUser
```
POST /illustrative/v1/remittances/sign-in HTTP/1.1
Content-Type: application/json

{
  "phoneNumber": "+447700900123",
  "password": "<PASSWORD>",
  "deviceId": "3f8c1a9e2b7d4c0f",
  "locale": "en-GB"
}
```
```
{
  "accessToken": "<ACCESS_TOKEN>",
  "refreshToken": "<REFRESH_TOKEN>",
  "sessionToken": "<SESSION_TOKEN>",
  "expiresAt": "2026-10-25T23:41:07Z",
  "isNewUser": false
}
```
Confirm the sign-in code
POST /illustrative/v1/remittances/code-verification openbanking
Validates the one-time code sent to the registered phone number and promotes the pending session into a fully authenticated one.
Auth: Carries the partial sessionToken from the first auth call; returns the final accessToken once the OTP matches.
- sessionToken
- code
- accessToken
- refreshToken
- expiresAt
```
POST /illustrative/v1/remittances/code-verification HTTP/1.1
Content-Type: application/json

{
  "sessionToken": "<SESSION_TOKEN>",
  "code": "<SIGN_IN_CODE>"
}
```
```
{
  "accessToken": "<ACCESS_TOKEN>",
  "refreshToken": "<REFRESH_TOKEN>",
  "sessionToken": "<SESSION_TOKEN>",
  "expiresAt": "2026-10-25T23:41:07Z"
}
```
Read the profile record
GET /illustrative/v1/remittances/customer-record openbanking
Returns the signed-in customer's identity, residence country, KYC state and referral code as stored on the Paysend platform.
Auth: Authorization: Bearer accessToken plus X-Session-Id sessionToken from the auth flow.
- userId
- firstName
- lastName
- phoneNumber
- email
- countryAlpha2
- kycState
- emailConfirmed
- referralCode
```
GET /illustrative/v1/remittances/customer-record HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>
```
```
{
  "userId": "u_88123",
  "firstName": "Alex",
  "lastName": "Moreau",
  "phoneNumber": "+447700900123",
  "email": "[email protected]",
  "countryAlpha2": "GB",
  "kycState": "COMPLETED",
  "emailConfirmed": true,
  "referralCode": "ALEXM7Q"
}
```
Read transfer limits
GET /illustrative/v1/remittances/sending-capacity openbanking
Reports the customer's AML and card limits together with how much headroom is left before the next verification tier.
Auth: Authorization: Bearer accessToken plus X-Session-Id.
- limitType
- limitState
- limitName
- limitValue
- limitCurrency
- currentAmlLimit
- availableAmount
```
GET /illustrative/v1/remittances/sending-capacity HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>
```
```
{
  "limitType": "AML",
  "limitState": "ACTIVE",
  "limitName": "annual_inbound",
  "limitValue": 25000.0,
  "limitCurrency": "GBP",
  "currentAmlLimit": 18500.0,
  "availableAmount": 6500.0
}
```

List saved recipients and contacts

GET /illustrative/v1/remittances/recipient-directory openfinance

Returns the address book of people and businesses the customer has paid or saved, which is what the send flow pre-fills.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

contacts
contactId
firstName
lastName
phoneNumber
countryIso
bankName
lastPaymentAt

GET /illustrative/v1/remittances/recipient-directory HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "contacts": [
    {
      "contactId": "c_4412",
      "firstName": "Maria",
      "lastName": "Lopez",
      "phoneNumber": "+525512345678",
      "countryIso": "MX",
      "bankName": "BBVA Mexico",
      "lastPaymentAt": "2026-09-30T12:04:11Z"
    }
  ]
}

Search the local bank directory

GET /illustrative/v1/remittances/payout-institutions opendata

Serves the payout bank list for a destination country so the recipient form can resolve a bank name to its clearing code and rails.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

bankId
bankName
bankCode
countryIso
paymentSystem
isActive

GET /illustrative/v1/remittances/payout-institutions?countryIso=PH&query=bank HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "banks": [
    {
      "bankId": "ph_bdo",
      "bankName": "Banco de Oro",
      "bankCode": "010530067",
      "countryIso": "PH",
      "paymentSystem": "INSTAPAY",
      "isActive": true
    }
  ]
}

Get a live FX quote
GET /illustrative/v1/remittances/currency-quote openfinance
Returns the mid-market-derived exchange rate, the applied fee and the delivered amount for a currency pair — the numbers behind the calculator screen.
Auth: Authorization: Bearer accessToken plus X-Session-Id.
- frCurIso
- toCurIso
- rateValue
- rateOrig
- feeValue
- feeCut
- amountFrom
- amountTo
- bonusSpecialRate
- bonusSpecialCommission
```
GET /illustrative/v1/remittances/currency-quote?frCurIso=GBP&toCurIso=MXN&amount=200 HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>
```
```
{
  "rateValue": 24.8715,
  "rateOrig": 25.0102,
  "feeValue": 0.0,
  "feeCut": 0.0,
  "amountFrom": 200.0,
  "amountTo": 4974.3,
  "bonusSpecialRate": 0.0,
  "bonusSpecialCommission": 0.0
}
```
Calculate a transfer before sending
POST /illustrative/v1/remittances/route-pricing openfinance
Prices a specific send route — country, payout method and promo — and returns the delivered amount, rate and fee that the confirmation sheet displays.
Auth: Authorization: Bearer accessToken plus X-Session-Id.
- account_currency
- amount_from
- recipient_country
- payout_method
- promo_code
- amount_to
- exchange_rate
- fee_value
- payment_method_type
- payment_status
- bonus_special_rate
```
POST /illustrative/v1/remittances/route-pricing HTTP/1.1
Content-Type: application/json

{
  "account_currency": "GBP",
  "amount_from": 200.0,
  "recipient_country": "PH",
  "payout_method": "BANK_TRANSFER",
  "promo_code": "WELCOME"
}
```
```
{
  "amount_to": 15240.0,
  "exchange_rate": 76.2,
  "fee_value": 0.0,
  "payment_method_type": "CARD",
  "payment_status": "CALCULATED",
  "bonus_special_rate": 0.0
}
```

Create a money transfer

POST /illustrative/v1/remittances/payout-orders openbanking

Accepts the full recipient routing block and funding source and opens the payout, returning the payment id and initial status the app then polls.

Auth: Authorization: Bearer accessToken plus X-Session-Id; funding source is referenced by source_id.

recipient_first_name
recipient_last_name
recipient_country
recipient_account_number
recipient_bank
recipient_sort_code
amount_from
account_currency
source_id
payment_method_type
promo_code
payment_id
payment_status
status_code
tracking_id
amount_delivered

POST /illustrative/v1/remittances/payout-orders HTTP/1.1
Content-Type: application/json

{
  "recipient_first_name": "Maria",
  "recipient_last_name": "Lopez",
  "recipient_country": "MX",
  "recipient_account_number": "012180015487654321",
  "recipient_bank": "BBVA Mexico",
  "recipient_sort_code": null,
  "amount_from": 200.0,
  "account_currency": "GBP",
  "source_id": "card_9921",
  "payment_method_type": "CARD",
  "promo_code": "WELCOME"
}

{
  "payment_id": "p_77300123",
  "payment_status": "PENDING",
  "status_code": "CREATED",
  "tracking_id": "PS-9F27K1",
  "amount_delivered": 4974.3,
  "exchange_rate": 24.8715
}

Track a transfer's status

GET /illustrative/v1/remittances/payout-orders/{payment_id}/progress openbanking

Polls the payout leg and returns its state history, delivery rail and delivered amount for the transfer detail screen.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

payment_id
payment_status
status_code
delivery_method
amount_delivered
tracking_id
status_transitions

GET /illustrative/v1/remittances/payout-orders/{payment_id}/progress HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "payment_id": "p_77300123",
  "payment_status": "COMPLETED",
  "status_code": "DELIVERED",
  "delivery_method": "BANK_ACCOUNT",
  "amount_delivered": 4974.3,
  "tracking_id": "PS-9F27K1",
  "status_transitions": [
    {
      "state": "CREATED",
      "at": "2026-10-25T09:02:11Z"
    },
    {
      "state": "SENDING",
      "at": "2026-10-25T09:03:40Z"
    },
    {
      "state": "DELIVERED",
      "at": "2026-10-25T09:41:02Z"
    }
  ]
}

Read the account statement

GET /illustrative/v1/remittances/activity-export openfinance

Returns the dated ledger of transfers and top-ups for one pocket currency, which powers the activity list and PDF statement export.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

account_currency
date_begin
date_end
time_zone
payments
payment_id
payment_change_date
payment_value
payment_currency
payment_status
payout_country
recipient_name

GET /illustrative/v1/remittances/activity-export?account_currency=GBP&date_begin=2026-01-01&date_end=2026-10-25&time_zone=Europe%2FLondon HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "payments": [
    {
      "payment_id": "p_77300123",
      "payment_change_date": "2026-10-25T09:41:02Z",
      "payment_value": -200.0,
      "payment_currency": "GBP",
      "payment_status": "COMPLETED",
      "payout_country": "MX",
      "recipient_name": "Maria Lopez"
    }
  ]
}

List payment cards

GET /illustrative/v1/remittances/funding-cards openbanking

Returns the customer's virtual and plastic cards with masked PAN, expiry, network and status for the cards tab.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

cards
cardId
cardNumber
cardExp
cardHolderName
cardType
paymentSystem
isActive
balanceAmount
currency

GET /illustrative/v1/remittances/funding-cards HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "cards": [
    {
      "cardId": "card_9921",
      "cardNumber": "**** **** **** 4412",
      "cardExp": "09/29",
      "cardHolderName": "ALEX MOREAU",
      "cardType": "VIRTUAL",
      "paymentSystem": "MASTERCARD",
      "isActive": true,
      "balanceAmount": 120.5,
      "currency": "GBP"
    }
  ]
}

Freeze or unfreeze a card
POST /illustrative/v1/remittances/funding-cards/{cardId}/freeze-state openbanking
Flips the customer-controlled freeze flag on a card so the freeze/unfreeze toggle in the card sheet takes effect immediately.
Auth: Authorization: Bearer accessToken plus X-Session-Id; card must belong to the signed-in customer.
- cardId
- isActive
- statusCode
```
POST /illustrative/v1/remittances/funding-cards/{cardId}/freeze-state HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>
Content-Type: application/json

{
  "cardId": "card_9921"
}
```
```
{
  "cardId": "card_9921",
  "isActive": false,
  "statusCode": "FROZEN"
}
```

List multi-currency pockets

GET /illustrative/v1/remittances/currency-balances openbanking

Returns every currency pocket the customer holds with its balance and local IBAN, feeding the balances home and top-up screens.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

pockets
pocketId
currency
balanceAmount
iban
isActive

GET /illustrative/v1/remittances/currency-balances HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "pockets": [
    {
      "pocketId": "pk_gbp_01",
      "currency": "GBP",
      "balanceAmount": 1240.18,
      "iban": "GB29NWBK60161331926819",
      "isActive": true
    },
    {
      "pocketId": "pk_eur_01",
      "currency": "EUR",
      "balanceAmount": 380.0,
      "iban": "DE89370400440532013000",
      "isActive": true
    }
  ]
}

Issue an IBAN for a pocket

POST /illustrative/v1/remittances/currency-balances/{pocketId}/receiving-details openbanking

Mints a local receiving IBAN for a currency pocket so the customer can be paid in that currency like a domestic account.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

pocketId
iban
bic
statusCode

POST /illustrative/v1/remittances/currency-balances/{pocketId}/receiving-details HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>
Content-Type: application/json

{
  "pocketId": "pk_eur_01"
}

{
  "pocketId": "pk_eur_01",
  "iban": "DE89370400440532013000",
  "bic": "NWBKGB2L",
  "statusCode": "ISSUED"
}

List funding options

GET /illustrative/v1/remittances/available-funding openbanking

Enumerates the cards and pockets a customer can pay from, which is what the payment-source picker on the send screen renders.

Auth: Authorization: Bearer accessToken plus X-Session-Id.

fundingOptions
sourceId
sourceType
sourceFunding
paymentMethodType
currency
isActive

GET /illustrative/v1/remittances/available-funding?currency=GBP HTTP/1.1
Authorization: Bearer <ACCESS_TOKEN>
X-Session-Id: <SESSION_TOKEN>

{
  "fundingOptions": [
    {
      "sourceId": "card_9921",
      "sourceType": "CARD",
      "sourceFunding": "DEBIT",
      "paymentMethodType": "VISA",
      "currency": "GBP",
      "isActive": true
    },
    {
      "sourceId": "pk_gbp_01",
      "sourceType": "POCKET",
      "sourceFunding": "BALANCE",
      "paymentMethodType": "INTERNAL",
      "currency": "GBP",
      "isActive": true
    }
  ]
}

Where teams use this data

Remittance reconciliation for finance teams
Accounting bots match each payout's payment id against its recipient routing block, delivered amount and status history, so cross-border payroll and supplier payments reconcile without manual statement stitching.
FX and fee benchmarking
Treasury and comparison tools pull the quote rate, original rate, fee and promo-adjusted rate for a corridor and track how the delivered amount moves against the mid-market rate.
Payout rail analytics
Analysts map destination countries to their local bank codes and payment systems and measure delivery times per rail, useful for corridor planning and for spotting payout failures early.
KYC and limit-aware onboarding
Lending and wallet products reuse the identity, KYC state and limit headroom fields to gate onboarding and size a customer's first transfer without re-collecting documents.

Frequently asked questions

Which data can be combined to reconcile a Paysend transfer?

The transfer model provides recipient routing details, the amount sent, the delivered amount and a payment_id. Status records add the delivery method and timestamped status transitions; statement entries add the dated payment value, currency and payout country. The payment_id links the transfer to its status and statement entry, while fees and the calculated exchange rate are documented in the pricing model.

Can FX rates and fees be read before a transfer is created?

Yes. The quote model includes rateValue, rateOrig, feeValue, feeCut and bonus fields for a currency pair and send amount. The route calculation adds recipient_country, payout_method and promo_code to the pricing context, with exchange_rate, fee_value and amount_to for comparison before creating a transfer.

What is in a Paysend multi-currency pocket?

A pocket record holds a currency, its balance, an optional local IBAN issued for receiving money in that currency, and an active flag — the same fields shown on the balances screen and used for pocket top-ups.

How is transfer status tracked?

The status call returns the current payment status and status code together with a timestamped transition list, the delivery method and the tracking id, which is what the transfer detail screen renders.

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More Payments apps

Topics

Paysend API
remittance data
international transfer API
FX quote API
recipient bank details
transfer status API
multi-currency pockets
payout country data

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Get a quote

Paysend money transfer data: recipients, FX quotes and payout status

Screenshots

API surface

Open a Paysend session

Confirm the sign-in code

Read the profile record

Read transfer limits

List saved recipients and contacts

Search the local bank directory

Get a live FX quote

Calculate a transfer before sending

Create a money transfer

Track a transfer's status

Read the account statement

List payment cards

Freeze or unfreeze a card

List multi-currency pockets

Issue an IBAN for a pocket

List funding options

Data categories

Where teams use this data

Remittance reconciliation for finance teams

FX and fee benchmarking

Payout rail analytics

KYC and limit-aware onboarding

Frequently asked questions

Apps similar to Paysend: Send Money Home

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

C3Pay

Topics

Need this app's data API integrated?

Paysend money transfer data: recipients, FX quotes and payout status

Screenshots

API surface

Open a Paysend session

Confirm the sign-in code

Read the profile record

Read transfer limits

List saved recipients and contacts

Search the local bank directory

Get a live FX quote

Calculate a transfer before sending

Create a money transfer

Track a transfer's status

Read the account statement

List payment cards

Freeze or unfreeze a card

List multi-currency pockets

Issue an IBAN for a pocket

List funding options

Data categories

Where teams use this data

Remittance reconciliation for finance teams

FX and fee benchmarking

Payout rail analytics

KYC and limit-aware onboarding

Frequently asked questions

Related apps

Apps similar to Paysend: Send Money Home

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

C3Pay

Topics

Need this app's data API integrated?