MEPS+ transfer
Make a real-time local transfer in Singapore through MEPS+ (MAS Electronic Payment System).
Features:
- SGD only
- Real-time settlement
- Suitable for high-value local transfers
Notes
beneficiaryName,beneficiaryAddress, andremarkssupport only alphanumeric characters, spaces, and the special characters/ - ? : ( ) . , ' +- If the beneficiary bank is not a MEPS+ participant, provide the intermediary bank details
- For orders paid out via POBO, the response returns
poboAccountNo/poboAccountName. When you call the result query endpoint, we recommend passingaccountNumber=poboAccountNoto explicitly specify the POBO payout account. IfaccountNumberis not passed, the system automatically matches the corresponding POBO payout account based onreferenceNo.
bearerAuthAuthorizationBearer <token>The access_token obtained from POST /oauth2/token. Header format: Authorization: Bearer {accessToken}.
X-Channel-Provider*stringProvider identifier, such as GLDB
Idempotency-Key*stringUnique request identifier used to prevent duplicate operations (UUID recommended). Valid for 24 hours. Each transfer must use a unique key. Never reuse the same key for different transactions. A resubmission with the same key within the validity period is rejected. For the rules, see the Payment product guide
application/json- body
referenceNo*stringRequest reference number, the unique request identifier. Length 32
fromAccount*stringPayer account number, the debit account. Length 32
fromAccountName?stringPayer name. Length 128
beneficiaryAccount*stringBeneficiary account number, the credit account. Length 32
beneficiaryName*stringBeneficiary name. Length 65. Supports only alphanumeric characters, spaces, and the special characters / - ? : ( ) . , ' +
beneficiaryAddress*stringBeneficiary address. Length 70. Supports only alphanumeric characters, spaces, and the special characters / - ? : ( ) . , ' +
beneficiaryCountryCode*stringBeneficiary country code, ISO 3166-1 Alpha-2. Length 10
currency*stringCurrency. Only SGD is supported. Length 3
amount*stringTransaction amount, up to 2 decimal places. Length 18
beneficiaryBankCode*stringBeneficiary bank BIC code (11 characters). Length 35
beneficiaryBankName?stringBeneficiary bank name. Length 35
remarks?stringRemarks. Length 65. Supports only alphanumeric characters, spaces, and the special characters / - ? : ( ) . , ' +
purposeCode*stringPurpose of the remittance. For valid values, see purpose codes. Length 32
chargeBearer*ChargeBearerCharge bearer.
SHA: Fees are shared between the payer and the beneficiaryOUR: The payer bears all feesBEN: The beneficiary bears all fees
"SHA""OUR""BEN"intermediaryBankAddress?stringIntermediary bank address. Length 256
intermediaryBankCode?stringIntermediary bank BIC. Length 35
intermediaryBankName?stringIntermediary bank name. Length 45
autoUsePobo?booleanWhether to automatically pay out from the linked POBO account when the debit account is a VA
Returns the transfer acceptance result.
application/json- response
code?integerBusiness status code
message?stringtraceId?stringRequest trace ID. Provide it when you contact technical support
data?Base fields of business data. The data object of every business response contains these fields (except fee estimation).
curl -X POST 'https://api.test.stabofx.com/openapi/v1/payments/transfer/meps' \ -H 'X-Channel-Provider: GLDB' \ -H 'Idempotency-Key: 7f3c2c0e-5b1a-4f6e-9d2a-0a1b2c3d4e5f' \ -H 'Content-Type: application/json' \ -d '{ "referenceNo": "STABO20231121002", "fromAccount": "10000000001", "beneficiaryAccount": "10000000004", "beneficiaryName": "Example Company", "beneficiaryAddress": "1 Example Road, Singapore 000000", "beneficiaryCountryCode": "SG", "currency": "SGD", "amount": "100.00", "beneficiaryBankCode": "EXMPSGS0XXX", "beneficiaryBankName": "EXAMPLE BANK LTD", "purposeCode": "BEXP", "chargeBearer": "SHA"}'{ "code": 200, "message": "OK", "traceId": "0dbae35a-8fcc-4e6e-914e-11e1331f6439", "data": { "providerStatusCode": "000000", "providerMessage": "ok", "providerRequestSerialNo": "795883203712778240", "providerResponseSerialNo": "785957885476737024", "providerTimestamp": "2023-05-17 21:03:48", "channelSerialNo": "947123626360885248", "status": "SUCCESS", "coreSerialNo": "PI243300Y77KGCWQ", "estimatedFee": "20", "estimatedFeeCurrency": "SGD", "poboAccountNo": "10000000003", "poboAccountName": "EXAMPLE PTE. LTD." }}