# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Initiate an Interac e-Transfer payment request

In this tutorial, you'll learn how to use the Global Payments API to initiate an Interac e-Transfer payment. After sending the request, you’ll review a successful response and learn how to verify the status of your request.

By the end of this tutorial, you'll know how to:

- Create a well-formed Interac e-Transfer payment request payload.

- Interpret the values in a successful response.

- Use the endToEndId to check and confirm the status of your request.

## Before you begin

To use Interac e-Transfer, you will need the following:

- A [registered and fully onboarded Developer Account](/docs/quick-start) on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials used to make a request.

- A bank account configured for each country where you want to perform an Interac e-Transfer payment transaction.

## Create and send an Interac e-Transfer request payload

Request payloads for the Global Payments API have [required, optional, and conditional fields](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/payment-parameters).

### Mobile phone number

The following example demonstrates an Interac e-Transfer payment request when the payment option is an alias using a mobile phone number.

```json
{
    "payments": {
        "requestedExecutionDate": "2023-01-01",
        "paymentIdentifiers": {
            "endToEndId": "QA03132368A",
        },
        "paymentCurrency": "CAD",
        "paymentAmount": 5.06,
        "transferType": "CREDIT",
        "debtor": {
            "debtorName": "John Doe",
            "debtorAccount": {
                "accountId": "0123456789"
            },
        },
        "debtorAgent": {
            "financialInstitutionId": {
                "bic": "CHASCATT"
            }
        },
        "creditor": {
            "creditorName": "Jane Doe",
            "creditorAccount": {
                "accountType": "INTERAC",
				"alternateAccountIdentifier": "TEST1US",
				"schemeName": {
					"proprietary": "TELI"
				}
            },
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Maple Avenue",
                "buildingNumber": "5678",
                "postalCode": "99999",
                "townName": "Rivertown",
                "countrySubDvsn": "ZZ",
                "country": "AB"
            },
            "countryOfResidence": "CA",
        },
        "remittanceInformation": {
            "unstructuredInformation": [
                "Payment for Invoice 123"
            ]
        },
        "purpose": {
            "code": "XXXX"
        },
        "secureVerification": [
            {
                "key": "what is your policy number?",
                "secret": "UrWh9hQ3Ng6U2+ZLJXfDI4fQbs6Ob3Cc5lf1zb3u8IY="
            }
        ],
        "paymentExpiryDate": "2023-01-20T20:32:36.611317600Z"
    }
```

### ANR for TP3

The following example demonstrates an Interac e-Transfer payment request when the payment option is an Account Number Routing (ANR) sent for a Third-Party Payment Provider (TP3):

```json
{
    "payments": {
        "requestedExecutionDate": "2023-01-01",
        "paymentIdentifiers": {
            "endToEndId": "QA03132368A",
        },
        "paymentCurrency": "CAD",
        "paymentAmount": 5.06,
        "transferType": "CREDIT",
        "debtor": {
            "debtorName": "Paula Smitty",
            "debtorAccount": {
                "accountId": "0123456789"
            },
            "ultimateDebtor": {
                "ultimateDebtorName": "Jane Smith",
                  "postalAddress": {
                    "addressType": "ADDR",
                    "streetName": "Toronto Street",
                    "buildingNumber": "42",
                    "postalCode": "11223",
                    "townName": "Toronto",
                    "countrySubDvsn": "Ontario",
                    "country": "CA"
                }
            }
        },
        "debtorAgent": {
            "financialInstitutionId": {
                "bic": "CHASCATT"
            }
        },
        "creditor": {
            "creditorName": "Paul Smith",
            "creditorAccount": {
                "accountType": "INTERAC",
                "accountId": "099-43424-2454278"
            },
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Blue Jays Street",
                "buildingNumber": "12",
                "postalCode": "11298",
                "townName": "Toronto",
                "countrySubDvsn": "Ontario",
                "country": "CA"
            },
            "countryOfResidence": "CA",
        },
        "remittanceInformation": {
            "unstructuredInformation": [
                "Payment for Invoice 123"
            ]
        },
        "purpose": {
            "code": "XXXX"
        },
        "paymentExpiryDate": "2023-01-20T20:32:36.611317600Z"
    }
}
```

### Email for MSB

The following example demonstrates an Interac e-Transfer payment request when the payment option is an alias using email sent for a Money Service Business (MSB):

```json
{
    "payments": {
        "requestedExecutionDate": "2023-01-01",
        "paymentIdentifiers": {
            "endToEndId": "QA03132368A",
        },
        "paymentCurrency": "CAD",
        "paymentAmount": 5.06,
        "transferType": "CREDIT",
        "debtor": {
            "debtorName": "Paula Smitty,
            "debtorAccount": {
                "accountId": "0123456789"
            },
            "ultimateDebtor": {
                "ultimateDebtorName": "Jane Smith",
                  "postalAddress": {
                    "addressType": "ADDR",
                    "streetName": "Toronto Street",
                    "buildingNumber": "42",
                    "postalCode": "11223",
                    "townName": "Toronto",
                    "countrySubDvsn": "Ontario",
                    "country": "CA"
                }
            }
        },
        "debtorAgent": {
            "financialInstitutionId": {
                "bic": "CHASCATT"
            }
        },
        "creditor": {
            "creditorName": "Paul Smith",
            "creditorAccount": {
                "accountType": "INTERAC",
                "alternateAccountIdentifier": "smith@interoc.ca",
                "schemeName": {
                    "proprietary": "EMAL"
                }
            },
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Blue Jays Street",
                "buildingNumber": "12",
                "postalCode": "11298",
                "townName": "Toronto",
                "countrySubDvsn": "Ontario",
                "country": "CA"
            },
            "countryOfResidence": "CA",
        },
        "remittanceInformation": {
            "unstructuredInformation": [
                "Payment for Invoice 123"
            ]
        },
        "purpose": {
            "code": "XXXX"
        },
        "secureVerification": [
            {
                "key": "what is your policy number?",
                "secret": "UrWh9hQ3Ng6U2+ZLJXfDI4fQbs6Ob3Cc5lf1zb3u8IY="
            }
        ],
        "paymentExpiryDate": "2023-01-20T20:32:36.611317600Z"
    }
}
```

Use one of the previous examples as a template to create a request payload, and give it a try in our interactive testing environment..

## Confirm response

You'll get a successful response that includes a `firmRootId` and an `endToEndId`. You can use these values in the next step to check the status of your request.

```json
{
  "paymentInitiationResponse": {
    "firmRootId": "02494953-e015-4071-stk4-3b95d3ee9b76",
    "endToEndId": "QA03132368A"
    }
}
```

You might encounter several error responses at this stage. We recommend checking the error codes section to understand the supported responses. If you need additional support, contact your Client Service Account Manager.

## Next steps

- Learn how to [retrieve the status of your request](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/how-to/get-status-of-interac-payment-request).

- Understand required [payment parameters](/docs/treasury/global-payments/capabilities/global-payments/interac-e-transfer/payment-parameters).

- Review our table of potential [error codes](/api/treasury/global-payments/global-payments/error-codes).