**Last updated**: 13 March 2026 | [**Change log**](/access/products/apms/changelog/)

# Open Banking

A secure and globally accepted bank to bank payment solution.

Note
Make yourself familiar with our [API principles](/access/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
### Feature summary

| Payment type | Countries | Acceptance currencies | Recurring | Reversals | Partial reversals | Redirect time-out |
|  --- | --- | --- | --- | --- | --- | --- |
| Bank Transfer | EU UK | EUR  GBP | ❌ | Refund - yesCancel - no | Partial refund - yesPartial cancel - no | 30-40 mins |


- Maximum Transaction Values:
The maximum amount for a single transaction depends on the currency:
  - 1.000.000 GBP
  - 25.000 EUR
- Minimum Transaction Value: 1,00 GBP


The customer bank might impose their own limits on transactions.

## Get started

Use our [API reference](/access/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay-bsh.securedataplatform.com/apmPayments`

### Example request

### Parameters

## Response

### Example response

Successful

```
{
    "paymentInstrument": {
        "method": "open_banking",
        "type": "direct"
    },
    "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtbG9jYWwiLCJsaW5rVmVyc2lvbiI6IjYuMC4wIn0=.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDhc4+SZY0AjeTYQPAyjybqxwsi0rmsit6VmM+ZZy8jdRCqzcgLWq7utrhtcbCH9pdFP7im0OhK+0dUerACka2SC4c2PEiPHDFAICQ4l1CuKJ9vs+FDuLhRUHrHK42uoIbAfefEFrfTM6o34u5XL702PNKoJbKOaHlAmYTOWTPLy1lVo+DSP:crPJz+TKxXR+Hx:8bB5kMN3qM4hu5JSRleOAV:glrYW2KYuiJVC0kexfflYxnJ7fBNd2BtiK2hD2L4o+D:vH3ePSb0IAj0UCqUUzIJ:7lB7tF7knZV0mCGSE90xbHhAtUnRf7e8yPpoBg==",
    "lastEvent": "pending",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtbG9jYWwiLCJsaW5rVmVyc2lvbiI6IjYuMC4wIn0=.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDhc4+SZY0AjeTYQPAyjybqxwsi0rmsit6VmM+ZZy8jdRCqzcgLWq7utrhtcbCH9pdFP7im0OhK+0dUerACka2SC4c2PEiPHDFAICQ4l1CuKJ9vs+FDuLhRUHrHK42uoIbAfefEFrfTM6o34u5XL702PNKoJbKOaHlAmYTOWTPLy1lVo+DSP:crPJz+TKxXR+Hx:8bB5kMN3qM4hu5JSRleOAV:glrYW2KYuiJVC0kexfflYxnJ7fBNd2BtiK2hD2L4o+D:vH3ePSb0IAj0UCqUUzIJ:7lB7tF7knZV0mCGSE90xbHhAtUnRf7e8yPpoBg=="
        }
    },
    "_actions": {},
    "redirect": "http://secure-test.worldpay-bsh.securedataplatform.com/redirect?tokenId=ec774cdf-d4e3-4d4d-a1be-f7c6ea9928e2",
    "commandId": "cmdtacqTM9-6SZXms9z04yse0"
}
```

Error response

```json
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
```

### Schema

#### Errors

Check out our API reference for [more responses or error codes](/access/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your Open Banking payment](/access/products/apms/manage/)