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Send Money - Claimless

Send money to new or existing Payees using the Claimless Payment API

This endpoint is used to create Claimless Payments to new or existing payees. The endpoint is as follows:

POST https://sandbox-api.veem.com/veem/v1.2/claimless-payments

📘

Headers

There are 2 headers necessary for the use of this endpoint:

  • X-request-id: This is a number unique to the current API request, and follows the UUID format. Reusing this header without changing the value will result in a 409 (Conflict) status. An example X-request-id is as follows:

48855846-628d-4177-b071-80332a116f0a

  • Authorization: This header holds the bearer token required to use Veem's public API, and belongs to the owner account. Failure to use a valid bearer token will result in a 404 (Not Found) status. An example of a valid token is as follows:

Bearer c047594b-082c-4da1-be89-08fe3770f4b3

See Get Access Token section to generate your bearerToken

Request Payload (US)

When sending a claimless payment using Veem's Claimless Payment API to any account using a US account, one must follow the format as shown in the following example:

{
    "purposeOfPayment": "Goods",
    "payee":{
        "email": "[email protected]",
        "firstName": "USA First Name",
        "lastName": "USA Last Name",
        "countryCode": "US",
        "phone": "4152306359",
        "phoneCountryCode": "+1",
        "type": "Personal",
        "industry": "Software, IT and Telecommunications",
        "subIndustry": "Software",
        "businessName": "USA Software Consultancy {{$guid}}",
        "business": {
            "address": {
                "countryCode": "US",
                "street": "300 Folsom",
                "city": "San Francisco",
                "postalCode": "94105",
                "province": "CA"
            },
            "entity": "Contractor",
            "taxIdNumber": "33-186-308"
        },
        "bank": {
            "isoCountryCode": "US",
            "bankName": "Access Credit Union",
            "currencyCode": "USD",
            "bankAccountNumber": "1234567",
            "routingNumber": "122105155"    
        }
    },
    "amount": {
        "number": 100,
        "currency": "USD"
    },
    "fundingMethod": {
        "id": 2393,
        "type": "Bank"
    },
    "payerAccountId": 12345
}

Request Payload (International)

When sending a claimless payment using Veem's Claimless Payment API to any account using an international account, one must follow the format as shown in the following example:

{
    "purposeOfPayment": "Goods",
    "payee":{
        "email": "[email protected]",
        "firstName": "USA First Name",
        "lastName": "USA Last Name",
        "countryCode": "US",
        "phone": "4152306359",
        "phoneCountryCode": "+1",
        "type": "Personal",
        "industry": "Software, IT and Telecommunications",
        "subIndustry": "Software",
        "businessName": "USA Software Consultancy {{$guid}}",
        "business": {
            "address": {
                "countryCode": "US",
                "street": "300 Folsom",
                "city": "San Francisco",
                "postalCode": "94105",
                "province": "CA"
            },
            "entity": "Contractor",
            "taxIdNumber": "33-186-308"
        },
        "bank":{
           "isoCountryCode":"FR",
           "bankName":"Bank of France",
           "currencyCode":"EUR",
           "bankAccountNumber":"12345678",
           "routingNumber":"041215032",
           "swiftBic": "CUCXCATT",
           "bankInstitutionNumber": "879",
           "bic": "CUCXCATT",
           "iban":"FR1420041010050500013M02606"
       }
    },
    "amount": {
        "number": 100,
        "currency": "USD"
    },
    "fundingMethod": {
        "id": 2393,
        "type": "Bank"
    },
    "externalInvoiceRefId": "invoiceReference",
	  "ccEmails": [
        "[email protected]"
    ],
    "purposeOfPayment": "Services",
    "purposeOfPaymentDescription": "Purpose description",
    "goodFundsPayment": true,
    "payerAccountId": 12345 // see Partner Notes
}

Request Parameters

The following table contains detailed information on the payload's parameters, such as the parameter name, whether it is mandatory or not, formatting (if applicable), and size of the parameter. You can retrieve various fields such as countryCode, bankName, bankCode, swiftCode, and purposeOfPayment from the Country-Currency-Map endpoint. Please refer to the following link: country-currency-map

Parameter

Mandatory?

Format/Values

Size (in chars)

purposeOfPayment

Yes

Proof of Payment code required by country regulator (String)

notes

No

String

128 (Max)

payee.firstName

Yes

String

64 (Max)

payee.lastName

Yes

String

64 (Max)

payee.email

Yes

String

254 (Max)

payee.phone

Yes

String

32 (Max)

payee.countryCode

Yes

ISO 3166-1 alpha-2 standard (eg. US, BE, BT etc)

2

payee.type

Yes

Business or Personal

payee.industry

Yes

Agriculture
Business Services
Construction
Consumer Services
Education
Energy, Utilities, Waste & Minerals
Finance, Insurance
Government, Organizations
Holding Companies & Conglomerates
Hospitality, Recreation & Tourism
Hospitals, Clinics & Healthcare Services
Law Firms & Legal Services
Manufacturing
Media, Arts & Entertainment
Real Estate
Retail Trade
Software, IT and Telecommunications
Transportation, Warehousing, Wholesale

payee.subIndustry

Yes

Note: Subindustry is unique to each industry, and is impractical to list all of them here. Subindustry information can be found below the table
e.g. For Agriculture, one can use the Crops subindustry

payee.businessName

Yes

String

128 (Max)

payee.phoneCountryCode

Yes

Country code (such as +1 for US or Canada, +31 for Netherlands etc. More info available below the table)

Note: The + prefix must be included in the parameter

2-5

payee.business.address.countryCode

Yes

ISO 3166-1 alpha-2 standard (eg. US, BE, BT etc)

2

payee.business.address.street

Yes

String

128 (Max)

payee.business.address.province

Yes (if no state is provided)

String

64 (Max)

payee.business.address.state

Yes(if no province is provided)

String

64 (Max)

payee.business.address.postalCode

Yes

String

64 (Max)

payee.business.address.city

Yes

String

64 (Max)

payee.business.entity

Yes

  • For Business:
    Corporation,
    Company,
    ForeignCompany,
    GeneralPartnership,
    JointVenture,
    LimitedCompany,
    LimitedPartnership,
    NonProfit,
    Partnership,
    PublicCompany,
    Trust,
    UnlimitedCompany,
    SoleProprietorship,
    LLC or
    Representative

  • For Personal:
    Contractor,
    SoleProprietorship,
    Freelancer,
    SideProject or
    PersonalUse

  • Note: If the business entity provided does not match the expected account type, the API will return a 400 Bad Request error.
    This validation ensures that a business entity is not incorrectly used with a personal account type, and vice versa.

payee.business.taxIdNumber

Yes

String

32 (Max)

payee.bank.isoCountryCode

Yes

ISO 3166-1 alpha-2 standard (eg. US, BE, BT etc)

2

payee.bank.bankName

Yes

String (Note: Bank name and bank routing number MUST be valid)

128 (Max)

payee.bank.currencyCode

Yes

Currency Code (ISO 4217)

3

payee.bank.bankAccountNumber

Yes

String

Note: Make sure the bank account number is the one associated with thepayer's account

payee.bank.routingNumber

Yes

Refer to your financial institution of choice for the correct routingNumber for said institution

payee.bank.swiftBic

Yes(ifpayer is a non-US account)

String

64 (Max)

payee.bank.bankInstitutionNumber

Yes(ifpayer is a non-US account)

String

payee.bank.bic

Yes(ifpayer is a non-US account)

String

64 (Max)

payee.bank.iban

Yes(ifpayer is a non-North American account)

String

34 (Max)

amount.number

Yes

BigDecimal

amount.currency

Yes

Currency Code (ISO 4217)

3

fundingMethod.id

Yes

Long (Bank ID of payer)

fundingMethod.type

Yes

One of the following values:
"Bank",
"External",
"Cheque",
"Card",
"Wallet"
"VirtualCard"

externalInvoiceRefId

No

String

Note: as of Nov 12, 2025, this field will not accept any special characters, such as ~\`!@#$%^&*()=[]\\';,./{}|":<>?

30

ccEmail

No

Array of Strings

goodFundsPayment

No

Boolean

purposeOfPayment

Depends on Country

You can get the information on whether this field is required from the Country-Currency-Map endpoint. Please refer to the following link: country-currency-map

purposeOfPaymentDescription

Depends on Country

You can get the information on whether this field is required from the Country-Currency-Map endpoint. Please refer to the following link: country-currency-map

bruid

No

String

36

payerAccountId

No

Number

For extra information, you can find some resources here:
ISO 3166-1 alpha-2 standard: https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes
Dial codes: https://en.wikipedia.org/wiki/List_of_country_calling_codes
Currency Codes (ISO 4217): https://www.iban.com/currency-codes

Response Payload

Once a valid request has been sent, a response payload of this format should be expected:

{
    "requestId": "a5150c19-28d9-480e-9626-0dc220cdd607",
    "payee": {
        "email": "[email protected]",
        "countryCode": "US",
        "phone": "tel:+1-415-230-6359"
    },
    "payeeAmount": {
        "number": 100.00,
        "currency": "USD"
    },
    "status": "Sent",
    "goodFundsPayment": true,
    "realTimePayment": false,
    "id": 1325036,
    "exchangeRate": {
        "fromAmount": 100.00,
        "fromCurrency": "USD",
        "toAmount": 100.00,
        "toCurrency": "USD"
    },
    "feeInformation": {
        "payerInfo": {
            "originalAmount": 100.00,
            "feeAmount": 0.00,
            "totalAmount": 100.00,
            "currency": "USD"
        },
        "payeeInfo": {
            "originalAmount": 100.00,
            "feeAmount": 1.00,
            "totalAmount": 99.00,
            "currency": "USD"
        }
    },
    "timeCreated": "2025-01-03T13:26:06.648-08:00",
    "timeUpdated": "2025-01-03T13:26:08.113-08:00",
    "claimLink": "https://api.qa-us-west-2.veem.com/api/c/N32hI14n",
    "debitCreditTxn": {
        "creditTxn": null,
        "debitTxn": null
    },
    "fastTransfer": false,
    "cancelable": false,
    "payerFundingMethodType": "Bank",
    "receiverFundingMethodType": "Bank",
    "originalRequestId": "a5150c19-28d9-480e-9626-0dc220cdd607"
}

Notes:

  • Since the BRUID field is optional, if not provided or expired the payment will resort to using real-time FX rates
  • Since the goodFundsPayment field is optional, it will default to false if not provided

Partner Notes:

  • A partner account can be configured to make this API request on behalf of their customers. This requires internal configuration for the partner account by Veem. Once the internal configuration is enabled, the API request can be made using partner account bearer token.
  • payerAccountId is an optional parameter, this needs to be included on the request body in case of partner making an API request on behalf of their customer. This is the customer Veem accountId.

Possible Errors

If any mandatory field is missing, one will get a Status 400 (Bad Request) error in the following format:

{
   "validationErrorMessage": [
       "payee.lastName is required for v1.2",
       "payee.industry is required for v1.2"
   ]
}

Here are some extra examples of specific errors that can pop up during the use of the Claimless Payment API:

Unauthorized

Status Code: 401 (Unauthorized)

Example:

{
    "error": "unauthorized",
    "error_description": "Full authentication is required to access this resource"
}

Incorrect Funding Method ID

Status Code: 404 (Not Found)

Example:

{
    "code": 10000000,
    "message": "Resource of type: BankAccount with id: 180618 not found",
    "logTag": "6642a1b3-9b67-4bf5-a9ba-ca34138f1b4c",
    "timestamp": "2025-01-03T21:34:04.464",
    "fileName": "CustomerSvcImpl.java",
    "lineNumber": 886
}

Incorrect Business Entity to Account Type

Status Code: 400 (Bad Request)

Example:

{
    "code": 50000000,
    "message": "Value is unexpected: Personal",
    "logTag": "e6313c6f-5d2f-4f93-8111-a225414c9e93",
    "timestamp": "2025-01-03T21:35:39.510",
    "fileName": "VeemResponseHandler.java",
    "lineNumber": 98
}

Updated 4 days ago

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