Raiffeisen API | Raiffeisen API

Tokens required. You need an access_token to submit payments. Get one on the “Getting tokens” screen.

Build and sign a pain.001.001.raif payment message

Edit the XML freely. The value in InstdAmt determines the payment outcome: .00 → ACSC, .01 → RJCT, .02 → ATTN, .03 → RJCT (for a different reason).

pain.001.001.raif

Request body

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.raifsig" xmlns:ds="http://www.w3.org/2000/09/xmldsig#">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>MSGID-9167c9b2b22cddcd</MsgId>
      <CreDtTm>2026-08-06T13:04:10+03:00</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>27100.02</CtrlSum>
      <InitgPty>
        <Nm>ООО «Ромашка»</Nm>
        <Id><OrgId><Othr><Id>7710000001</Id><SchmeNm><Cd>TXID</Cd></SchmeNm></Othr></OrgId></Id>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>0afc1e0ca40f762a9e278a73f67027ef</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <Dbtr>
        <Nm>ООО «Ромашка»</Nm>
        <Id><OrgId><Othr><Id>7710000001</Id><SchmeNm><Cd>TXID</Cd></SchmeNm></Othr></OrgId></Id>
      </Dbtr>
      <DbtrAcct><Id><Othr><Id>40186740186740186740</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <ClrSysMmbId><ClrSysId><Cd>RUCBC</Cd></ClrSysId><MmbId>044525700</MmbId></ClrSysMmbId>
          <Nm>АО РАЙФФАЙЗЕНБАНК</Nm>
        </FinInstnId>
      </DbtrAgt>
      <DbtrAgtAcct><Id><Othr><Id>30101810200000000700</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></DbtrAgtAcct>
      <CdtTrfTxInf>
        <PmtId><InstrId>2063a9b7a5525af164a465aefb0e959f</InstrId><EndToEndId>101</EndToEndId></PmtId>
        <PmtTpInf><SvcLvl><Cd>NURG</Cd></SvcLvl><LclInstrm><Prtry>01</Prtry></LclInstrm></PmtTpInf>
        <Amt><InstdAmt Ccy="RUB">15400.00</InstdAmt></Amt>
        <CdtrAgt>
          <FinInstnId>
            <ClrSysMmbId><ClrSysId><Cd>RUCBC</Cd></ClrSysId><MmbId>044525787</MmbId></ClrSysMmbId>
            <Nm>ДРУГОЙ БАНК</Nm>
          </FinInstnId>
        </CdtrAgt>
        <CdtrAgtAcct><Id><Othr><Id>30101810400000000787</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></CdtrAgtAcct>
        <Cdtr>
          <Nm>ООО «Василёк»</Nm>
          <Id><OrgId><Othr><Id>3917025820</Id><SchmeNm><Cd>TXID</Cd></SchmeNm></Othr></OrgId></Id>
        </Cdtr>
        <CdtrAcct><Id><Othr><Id>40702810400000001234</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></CdtrAcct>
        <Purp><Prtry>5</Prtry></Purp>
        <RmtInf><Ustrd>Оплата по договору №123</Ustrd><Strd><RfrdDocInf><RltdDt>2024-01-01</RltdDt></RfrdDocInf></Strd></RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
    <PmtInf>
      <PmtInfId>866403c1d0bf1bdb04a48a982966262b</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <Dbtr>
        <Nm>ООО «Ромашка»</Nm>
        <Id><OrgId><Othr><Id>7710000001</Id><SchmeNm><Cd>TXID</Cd></SchmeNm></Othr></OrgId></Id>
      </Dbtr>
      <DbtrAcct><Id><Othr><Id>40186740186740186740</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <ClrSysMmbId><ClrSysId><Cd>RUCBC</Cd></ClrSysId><MmbId>044525700</MmbId></ClrSysMmbId>
          <Nm>АО РАЙФФАЙЗЕНБАНК</Nm>
        </FinInstnId>
      </DbtrAgt>
      <DbtrAgtAcct><Id><Othr><Id>30101810200000000700</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></DbtrAgtAcct>
      <CdtTrfTxInf>
        <PmtId><InstrId>8adda191d3ecc2cc256d9f8923dede22</InstrId><EndToEndId>102</EndToEndId></PmtId>
        <PmtTpInf><SvcLvl><Cd>NURG</Cd></SvcLvl><LclInstrm><Prtry>01</Prtry></LclInstrm></PmtTpInf>
        <Amt><InstdAmt Ccy="RUB">11700.02</InstdAmt></Amt>
        <CdtrAgt>
          <FinInstnId>
            <ClrSysMmbId><ClrSysId><Cd>RUCBC</Cd></ClrSysId><MmbId>044525411</MmbId></ClrSysMmbId>
            <Nm>БАНК ПОЛУЧАТЕЛЯ</Nm>
          </FinInstnId>
        </CdtrAgt>
        <CdtrAgtAcct><Id><Othr><Id>30101810400000000411</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></CdtrAgtAcct>
        <Cdtr>
          <Nm>ООО «Логистика Юг»</Nm>
          <Id><OrgId><Othr><Id>7736050003</Id><SchmeNm><Cd>TXID</Cd></SchmeNm></Othr></OrgId></Id>
        </Cdtr>
        <CdtrAcct><Id><Othr><Id>40702810400000005678</Id><SchmeNm><Cd>BBAN</Cd></SchmeNm></Othr></Id></CdtrAcct>
        <Purp><Prtry>5</Prtry></Purp>
        <RmtInf><Ustrd>Оплата по счёту №45</Ustrd><Strd><RfrdDocInf><RltdDt>2024-01-01</RltdDt></RfrdDocInf></Strd></RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
    <SplmtryData>
      <Envlp>
      <SgntrSt>
        <ds:Signature Id="SigID1">
          <ds:SignedInfo>
            <ds:CanonicalizationMethod Algorithm="http://www.w3.org/2001/10/xml-exc-c14n#"/>
            <ds:SignatureMethod Algorithm="urn:ietf:params:xml:ns:cpxmlsec:algorithms:gostr34102012-gostr34112012-256"/>
            <ds:Reference URI="">
              <ds:Transforms>
                <ds:Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
                <ds:Transform Algorithm="http://www.w3.org/2002/06/xmldsig-filter2">
                  <XPath xmlns="http://www.w3.org/2002/06/xmldsig-filter2" Filter="subtract">//ds:Signature</XPath>
                </ds:Transform>
              </ds:Transforms>
              <ds:DigestMethod Algorithm="urn:ietf:params:xml:ns:cpxmlsec:algorithms:gostr34112012-256"/>
              <ds:DigestValue>U0FOREJPWFRFU1RESUdFU1QwMDA=</ds:DigestValue>
            </ds:Reference>
          </ds:SignedInfo>
          <ds:SignatureValue>U0FOREJPWFRFU1RTSUdOQVRVUkUwMDA=</ds:SignatureValue>
          <ds:KeyInfo><ds:X509Data><ds:X509Certificate>TUlJQlNBTkRCT1hURVNUQ0VSVElGSUNBVEUwMDA=</ds:X509Certificate></ds:X509Data></ds:KeyInfo>
        </ds:Signature>
      </SgntrSt>
      </Envlp>
    </SplmtryData>
  </CstmrCdtTrfInitn>
</Document>

About the signature. A signature confirms the authority to submit a payment instruction. In production, before sending a payment to the bank, make sure the document is signed by an authorized employee and that the signature is valid.

Send the message

First build and sign the document in step 1, then confirm that it is ready to send.

Track statuses

Statuses progress: PDNG → FSGN → ACSP → a final status within 20–30 seconds. Resending the same MsgId returns DBLC. A missing MsgId returns NPMT.

Submitted payment messages

MsgId	Payments	CtrlSum	Status
No messages yet.

All payment endpoints

Each endpoint is available for independent calls. Click a card to expand request parameters.