{"id":29709,"date":"2026-04-13T10:05:49","date_gmt":"2026-04-13T10:05:49","guid":{"rendered":"https:\/\/www.qly.docs.pay.sibs.com\/?page_id=29709"},"modified":"2026-04-13T14:23:09","modified_gmt":"2026-04-13T14:23:09","slug":"sepa-credit-transfer","status":"publish","type":"page","link":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/sibs-gateway-dokumentacja\/metody-platnosci\/sepa-credit-transfer\/","title":{"rendered":"SEPA Credit Transfer (Przelew)"},"content":{"rendered":"\n<p>SEPA Credit Transfer umo\u017cliwia inicjowanie przelew\u00f3w na rachunki bankowe SEPA poprzez przekazanie danych odbiorcy i szczeg\u00f3\u0142\u00f3w przelewu za pomoc\u0105 API.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>1. Podanie danych odbiorcy i przelewu<\/strong><\/h5>\n\n\n\n<p>Merchant inicjuje przelew, podaj\u0105c nast\u0119puj\u0105ce informacje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>IBAN odbiorcy<\/strong> \u2013 mi\u0119dzynarodowy numer rachunku bankowego <\/li>\n\n\n\n<li><strong>BIC odbiorcy<\/strong> \u2013 kod identyfikacyjny banku <\/li>\n\n\n\n<li><strong>Kraj banku odbiorcy<\/strong> \u2013 musi nale\u017ce\u0107 do SEPA <\/li>\n\n\n\n<li><strong>Kwota<\/strong> \u2013 warto\u015b\u0107 przelewu (maks. 1 000 000 \u20ac) <\/li>\n\n\n\n<li><strong>Waluta<\/strong> \u2013 tylko EUR <\/li>\n\n\n\n<li><strong>Szczeg\u00f3\u0142y biznesowe<\/strong> \u2013 pole tekstowe na informacje o p\u0142atno\u015bci <\/li>\n\n\n\n<li><strong>Data inicjacji p\u0142atno\u015bci<\/strong> \u2013 data wys\u0142ania (zgodnie z zasadami SIBS Pagamentos)<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>2. Walidacja \u017c\u0105dania<\/strong><\/h5>\n\n\n\n<p>Przed przyj\u0119ciem \u017c\u0105dania system SIBS Gateway weryfikuje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Poprawno\u015b\u0107 formatu IBAN i BIC<\/li>\n\n\n\n<li>Obecno\u015b\u0107 i poprawno\u015b\u0107 wymaganych p\u00f3l SEPA:\n<ul class=\"wp-block-list\">\n<li>EndToEndId <\/li>\n\n\n\n<li>Debtor <\/li>\n\n\n\n<li>Creditor <\/li>\n\n\n\n<li>Kwota Waluta (EUR) <\/li>\n\n\n\n<li>Informacje o przelewie<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Niepoprawne lub niekompletne \u017c\u0105dania s\u0105 odrzucane.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>3. Przetwarzanie p\u0142atno\u015bci i powiadomienia<\/strong><\/h5>\n\n\n\n<p>Po walidacji:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u017c\u0105danie trafia do przetwarzania <\/li>\n\n\n\n<li>merchant otrzymuje powiadomienia przez webhooki <\/li>\n\n\n\n<li>status mo\u017cna r\u00f3wnie\u017c sprawdza\u0107 przez API<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">SEPA CT w SIBS Backoffice<\/h3>\n\n\n\n<p>Je\u015bli sklep posiada aktywn\u0105 umow\u0119 SEPA CT, b\u0119dzie ona widoczna w <strong>Configurations &gt; Agreements<\/strong>.<\/p>\n\n\n\n<p>Typy transakcji dost\u0119pne w Business &gt; Transactions:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Typ transakcji<\/th><th>Status<\/th><th>Wyzwalacz<\/th><\/tr><\/thead><tbody><tr><td>\u017b\u0105danie przelewu<\/td><td>Initiated<\/td><td>Wys\u0142anie \u017c\u0105dania przez merchant<\/td><\/tr><tr><td>Potwierdzenie<\/td><td>Accepted<\/td><td>Odpowied\u017a banku\/CSM<\/td><\/tr><tr><td>Odrzucenie<\/td><td>Rejected<\/td><td>Odpowied\u017a banku\/CSM<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Metoda p\u0142atno\u015bci: SEPA Credit Transfer (SEPA CT) <\/li>\n\n\n\n<li>Produkt finansowy: zgodny z konfiguracj\u0105 onboardingow\u0105 <\/li>\n\n\n\n<li>Transakcje dost\u0119pne w eksporcie <\/li>\n\n\n\n<li>Transakcje zaakceptowane maj\u0105 warto\u015b\u0107 ujemn\u0105 (przelewy wychodz\u0105ce)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Integracja<\/strong><\/h3>\n\n\n\n<p>SEPA CT umo\u017cliwia realizacj\u0119 przelew\u00f3w w euro w strefie SEPA poprzez SIBS Gateway.<\/p>\n\n\n\n<p>Wymaga wcze\u015bniejszego utworzenia transakcji z metod\u0105 p\u0142atno\u015bci \u201eSPCT\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak to dzia\u0142a<\/h3>\n\n\n\n<p>To integrate SEPA Credit Transfer, follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Inicjacja przelewu <\/li>\n\n\n\n<li>\u015aledzenie statusu  <\/li>\n\n\n\n<li>(Opcjonalnie) odbieranie webhook\u00f3w<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Krok 1: Inicjacja przelewu SEPA<\/strong><\/h3>\n\n\n\n<p>Wymagane dane:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IBAN odbiorcy <\/li>\n\n\n\n<li>BIC odbiorcy <\/li>\n\n\n\n<li>EndToEndId <\/li>\n\n\n\n<li>Kwota <\/li>\n\n\n\n<li>Waluta (EUR)<\/li>\n<\/ul>\n\n\n\n<p>System waliduje dane i zwraca odpowied\u017a techniczn\u0105.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Endpointy<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Environment<\/th><th>URL<\/th><th>Operation Method &amp; Endpoint<\/th><th>Operation Description<\/th><\/tr><\/thead><tbody><tr><td><strong>PROD<\/strong><\/td><td>api.sibsgateway.com<\/td><td><strong>POST<\/strong> {version-id}\/payments\/{id}\/sepa\/credit-transfer<\/td><td>Initiates a SEPA CT payment resource specified in the request.<\/td><\/tr><tr><td><strong>TEST<\/strong><\/td><td>stargate.qly.site[1|2].sibs.pt<\/td><td><strong>POST <\/strong>{version-id}\/payments\/{id}\/sepa\/credit-transfer<\/td><td>Initiates a SEPA CT payment resource in the test environment.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<style type=\"text\/css\">\n\t#message-box-block_2281dc602e5a288e375bc5b362813a5f {\n\t\t\/* Add styles that use ACF values here *\/\n\t}\n<\/style>\n\n<div id=\"message-box-block_2281dc602e5a288e375bc5b362813a5f\" class=\"block-message-box\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t<div class='row info' style=\"display: flex;\">\n\t\t\t  <div class='col' style=\"width: 10%; display: flex; align-items: center; justify-content: center;\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.qly.docs.pay.sibs.com\/wp-content\/themes\/themify-ultra-child\/images\/msg_info.svg\" alt=\"Info\">\n\t\t\t  <\/div>\n\t\t\t  <div class='col2'>\n\t\t\t\t<p ><p data-start=\"0\" data-end=\"39\"><strong data-start=\"0\" data-end=\"39\">Wa\u017cne \u2013 dane uwierzytelniaj\u0105ce TEST<\/strong><\/p>\n<p>Je\u015bli merchant planuje integracj\u0119 w \u015brodowisku TEST, musi uzyska\u0107 dedykowane dane uwierzytelniaj\u0105ce TEST. Dane produkcyjne nie mog\u0105 by\u0107 u\u017cywane w \u015brodowiskach TEST.<\/p>\n<\/p>\n\t\t\t  <\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\n<h5 class=\"wp-block-heading\">Nag\u0142\u00f3wki<\/h5>\n\n\n\n<p>Przed wys\u0142aniem \u017c\u0105dania upewnij si\u0119, \u017ce zawiera ono nast\u0119puj\u0105ce nag\u0142\u00f3wki.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Pole<\/th><th>Typ<\/th><th>Wymagane<\/th><th>Opis<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">Content-Type<\/mark><\/td><td>String<\/td><td>Tak<\/td><td>Typ danych (application\/json)<\/td><td>application\/json<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">Authorization<\/mark><\/td><td>String<\/td><td>Tak<\/td><td>Bearer token <\/td><td>Bearer xxxxxxxx<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">x-ibm-client-id<\/mark><\/td><td>String<\/td><td>Tak<\/td><td>Identyfikator klienta<\/td><td>123456789<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\">Parametry \u017c\u0105dania<\/h5>\n\n\n\n<p>\u017b\u0105danie sk\u0142ada si\u0119 z nast\u0119puj\u0105cych g\u0142\u00f3wnych obiekt\u00f3w. Ka\u017cdy obiekt jest szczeg\u00f3\u0142owo opisany w kolejnych sekcjach.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">merchant<\/mark><\/td><td>Object<\/td><td>Mandatory<\/td><td>Object that defines the merchant information<\/td><td>&#8211;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">beneficiaryAccount<\/mark><\/td><td>Object<\/td><td>Mandatory<\/td><td>Object containing the beneficiary account information<\/td><td>&#8211;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">amount<\/mark><\/td><td>Object<\/td><td>Mandatory<\/td><td>Object with the transaction amount and currency<\/td><td>&#8211;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">transferMethod<\/mark><\/td><td>string (Exact4Text)<\/td><td>Mandatory<\/td><td>Transfer method for the payment<\/td><td>\u2018SPCT\u2019<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">businessDetails<\/mark><\/td><td>string (\u2264512)<\/td><td>Optional<\/td><td>Free-text field for merchant business information<\/td><td>Payment for Order #123<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">paymentExecutionDate<\/mark><\/td><td>ISODate<\/td><td>Mandatory<\/td><td>Execution date for the transfer<\/td><td>2026-04-05<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">deviceInfo<\/mark><\/td><td>Object<\/td><td>Mandatory<\/td><td>Object that defines the customer device information<\/td><td>&#8211;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\">beneficiaryAccount (object) \u2013 Mandatory<\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">beneficiaryAccount.iban<\/mark><\/td><td>String<\/td><td>Mandatory<\/td><td>Beneficiary IBAN<\/td><td>PT50000201231234567890154<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\"><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">beneficiaryAccount.bic<\/mark><\/mark><\/td><td>string (\u226411)<\/td><td>Optional<\/td><td>Beneficiary Bank Identifier Code<\/td><td>BCOMPTPL<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">beneficiaryAccount.bankCountry<\/mark><\/td><td>string (3-letter ISO)<\/td><td>Optional<\/td><td>Country of the beneficiary bank<\/td><td>PRT<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">beneficiaryAccount.name<\/mark><\/td><td>string (\u2264128)<\/td><td>Mandatory<\/td><td>Beneficiary name<\/td><td>Jo\u00e3o Silva<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>merchant (object) &#8211; Mandatory<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">merchant.terminalId<\/mark><\/td><td>numeric (\u226410)<\/td><td>Mandatory<\/td><td>Merchant terminal identifier<\/td><td>47215<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">merchant.channel<\/mark><\/td><td>String<\/td><td>Mandatory<\/td><td>Channel used for the transaction<\/td><td>Web<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">merchant.merchantTransactionId<\/mark><\/td><td>string (\u22641000)<\/td><td>Mandatory<\/td><td>Unique merchant transaction ID<\/td><td>ORDER_123<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">merchant.transactionDescription<\/mark><\/td><td>string (\u22644000)<\/td><td>Optional<\/td><td>Description of transaction<\/td><td>Payment for order #001<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>amount (object) \u2013 Mandatory<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">amount.value<\/mark><\/td><td>number (double)<\/td><td>Mandatory<\/td><td>Transaction amount<\/td><td>1000.00<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">amount.currency<\/mark><\/td><td>String<\/td><td>Mandatory<\/td><td>Currency in ISO 4217 format (must be EUR)<\/td><td>EUR<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>deviceInfo (object) \u2013 Mandatory<\/strong><\/h5>\n\n\n\n<p>Obiekt deviceInfo dostarcza dodatkowego kontekstu dotycz\u0105cego \u015brodowiska klienta i jest zalecany do zapobiegania oszustwom oraz analizy ryzyka.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserAcceptHeader<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Accept Header<\/td><td>text\/html<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserJavaEnabled<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Java Enabled<\/td><td>True<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserJavascriptEnabled<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Javascript Enabled<\/td><td>True<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserLanguage<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser language<\/td><td>en-US<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserColorDepth<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Color Depth<\/td><td>24<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserScreenHeight<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Screen Height<\/td><td>1080<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserScreenWidth<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Screen Width<\/td><td>1920<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserTZ<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser Time Zone<\/td><td>GMT+1<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">browserUserAgent<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Browser User Agent<\/td><td>Mozilla\/5.0&#8230;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">systemFamily<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>System Family<\/td><td>Windows<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">systemVersion<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>System Version<\/td><td>10<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">systemArchitecture<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>System Architecture<\/td><td>x64<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">deviceManufacturer<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Device Manufacturer<\/td><td>Dell<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">deviceModel<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Device Model<\/td><td>XPS 15<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">deviceID<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Device Unique ID<\/td><td>1234567890<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">deviceFingerprint<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Device Fingerprint Identification<\/td><td>ABCDEF123456<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">applicationName<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Application Name (Form:applicationName)<\/td><td>Form:Edge<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">applicationVersion<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Application Version (formVersion:applicationVersion)<\/td><td>2.0:130<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">geoLocalization<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>Geolocation<\/td><td>38.7169,-9.139<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">ipAddress<\/mark><\/td><td>string<\/td><td>Optional<\/td><td>IP Address<\/td><td>192.168.1.1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Poni\u017cej znajduje si\u0119 przyk\u0142ad, jak zainicjowa\u0107 SEPA Credit Transfer:<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Request Example<\/strong><\/h5>\n\n\n\n<pre class=\"wp-block-code\"><code>&lt;\/&gt;JSON {\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"deviceInfo\"<\/mark>: {\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"deviceID\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"DEVICE12345\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"browserUserAgent\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"Mozilla\/5.0\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"browserAcceptHeader\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"text\/html,application\/xhtml+xml\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"browserJavaEnabled\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"false\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"browserJavascriptEnabled\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"true\"<\/mark>\n\n},\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"merchant\"<\/mark>: {\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"terminalId\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"47215\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"merchantTransactionId\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"ORDER_123\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"transactionDescription\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"Payment for order #001\"<\/mark>\n\n},\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"beneficiaryAccount\"<\/mark>: {\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"iban\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"PT50000201231234567890154\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"bic\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"BICPTPLX\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"bankCountry\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"PT\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"name\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"John Doe\"<\/mark>\n\n},\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"amount\"<\/mark>: {\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"value\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-amber-color\">50.00<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"currency\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"EUR\"<\/mark>\n\n},\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"transferMethod\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"SPCT\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"businessDetails\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"Order #123 - Electronics\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"paymentExecutionDate\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"2026-04-05\"<\/mark>\n\n}<\/code><\/pre>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Response Parameters<\/strong><\/h5>\n\n\n\n<p>Po pomy\u015blnym wys\u0142aniu \u017c\u0105dania system zwraca nast\u0119puj\u0105c\u0105 odpowied\u017a:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">returnStatus<\/mark><\/td><td>Object<\/td><td>Mandatory<\/td><td>Defines the status of the processed transaction<\/td><td>&#8211;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">returnStatus.statusCode<\/mark><\/td><td>String<\/td><td>Mandatory<\/td><td>Identifier code of the processed transaction status (&#8222;000&#8221; for success)<\/td><td>&#8222;000&#8221;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">returnStatus.statusMsg<\/mark><\/td><td>String<\/td><td>Mandatory<\/td><td>Message of the processed transaction status<\/td><td>&#8222;Success&#8221;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">returnStatus.statusDescription<\/mark><\/td><td>String<\/td><td>Mandatory<\/td><td>Description of the processed transaction status<\/td><td>&#8222;Transaction accepted&#8221;<\/td><\/tr><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">transactionId<\/mark><\/td><td>String<\/td><td>Conditional<\/td><td>Transaction ID returned when statusCode = &#8222;000&#8221;<\/td><td>1234567890<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<style type=\"text\/css\">\n\t#message-box-block_36125f7488a88130ae22ec0452ccfef0 {\n\t\t\/* Add styles that use ACF values here *\/\n\t}\n<\/style>\n\n<div id=\"message-box-block_36125f7488a88130ae22ec0452ccfef0\" class=\"block-message-box\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class='row notification'>\n\t\t\t\t  <div class='col'>\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.qly.docs.pay.sibs.com\/wp-content\/themes\/themify-ultra-child\/images\/msg_bell.svg\" alt=\"Notification\">\n\t\t\t\t  <\/div>\n\t\t\t  <div class='col2'>\n\t\t\t\t\t<p><p><strong>Uwaga:<\/strong> \u017b\u0105danie uznaje si\u0119 za pomy\u015blne, gdy zwracany jest status HTTP 200 oraz returnStatus.statusCode = &#8222;000&#8221;.<\/p>\n<\/p>\n\t\t\t\t  <\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Response Example<\/strong><\/h5>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"returnStatus\"<\/mark>: {\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"statusCode\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"000\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"statusMsg\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"Success\"<\/mark>,\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"statusDescription\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"Transaction accepted\"<\/mark>\n\n},\n\n<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-pale-pink-color\">\"transactionId\"<\/mark>: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\">\"TRX123456789\"<\/mark>\n\n}<\/code><\/pre>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button postman\"><a class=\"wp-block-button__link wp-element-button\" href=\"http:\/\/-\" target=\"_blank\" rel=\"noreferrer noopener\">Run in Postman<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Krok 2 \u2013 Pobierz status p\u0142atno\u015bci<\/strong><\/h3>\n\n\n\n<p>Ten krok jest niezb\u0119dny do monitorowania post\u0119pu transakcji, poniewa\u017c przelewy SEPA Credit Transfer s\u0105 przetwarzane asynchronicznie.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Parametry odpowiedzi<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Field<\/th><th>Type<\/th><th>Condition<\/th><th>Description<\/th><th>Example<\/th><\/tr><\/thead><tbody><tr><td><mark style=\"background-color:#e9e9f5\" class=\"has-inline-color\">status<\/mark><\/td><td>string<\/td><td>Mandatory<\/td><td>Current status of the payment<\/td><td>PDNG<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Warto\u015bci statusu p\u0142atno\u015bci<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Status<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td>INIT<\/td><td>Initiated \u2013 \u017c\u0105danie wys\u0142ane<\/td><\/tr><tr><td>PDNG<\/td><td>Pending \u2013 wys\u0142ane do systemu rozliczeniowego (CSM)<\/td><\/tr><tr><td>ACPT<\/td><td>Accepted \u2013 potwierdzona przez bank<\/td><\/tr><tr><td>RJCT<\/td><td>Rejected \u2013 Odrzucona \u2013 odrzucona przez bank<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Krok 3: Odbieranie powiadomie\u0144<\/strong><\/h3>\n\n\n\n<p>SEPA CT obs\u0142uguje mechanizmy powiadomie\u0144, kt\u00f3re informuj\u0105 merchant\u00f3w o wynikach p\u0142atno\u015bci w czasie rzeczywistym w formie webhook\u00f3w.<\/p>\n\n\n\n<p>Wi\u0119cej informacji o webhookach mo\u017cna znale\u017a\u0107 <a href=\"https:\/\/www.docs.pay.sibs.com\/pl\/powiadomienia\/webhooki\/\" target=\"_blank\" rel=\"noreferrer noopener\">tutaj<\/a>.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Webhooks<\/strong><\/h5>\n\n\n\n<p>Payment Gateway powiadamia merchanta za pomoc\u0105 webhook\u00f3w w nast\u0119puj\u0105cych przypadkach:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Otrzymanie przelewu \u2013 <\/strong>potwierdzenie, \u017ce przelew zosta\u0142 odebrany przez bank odbiorcy;<\/li>\n\n\n\n<li><strong>B\u0142\u0119dy SEPA i walidacja \u2013<\/strong> powiadomienie o wszelkich b\u0142\u0119dach lub niepowodzeniach walidacji podczas przetwarzania.<\/li>\n\n\n\n<li><strong>Otrzymanie wyniku rozliczenia \u2013 <\/strong>zmiana statusu na zaakceptowane rozliczenie.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>SEPA Credit Transfer umo\u017cliwia inicjowanie przelew\u00f3w na rachunki bankowe SEPA poprzez przekazanie danych odbiorcy i szczeg\u00f3\u0142\u00f3w przelewu za pomoc\u0105 API. 1. Podanie danych odbiorcy i przelewu Merchant inicjuje przelew, podaj\u0105c nast\u0119puj\u0105ce informacje: 2. Walidacja \u017c\u0105dania Przed przyj\u0119ciem \u017c\u0105dania system SIBS Gateway weryfikuje: Niepoprawne lub niekompletne \u017c\u0105dania s\u0105 odrzucane. 3. Przetwarzanie p\u0142atno\u015bci i powiadomienia Po walidacji: [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":0,"parent":10574,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_eb_attr":"","footnotes":""},"class_list":["post-29709","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/pages\/29709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/comments?post=29709"}],"version-history":[{"count":2,"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/pages\/29709\/revisions"}],"predecessor-version":[{"id":29714,"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/pages\/29709\/revisions\/29714"}],"up":[{"embeddable":true,"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/pages\/10574"}],"wp:attachment":[{"href":"https:\/\/www.qly.docs.pay.sibs.com\/pl\/wp-json\/wp\/v2\/media?parent=29709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}