Payments

Create a payment

Create a cross-border B2B payment — validated, screened, and settled on one rail.

A payment is created with complete counterparty and remittance data. Onzo validates the structure, Sirius Core screens it, and cleared payments proceed to settlement.

curl https://api.onzo.la/v1/payments \
  -H "Authorization: Bearer oz_sk_test_..." \
  -H "Idempotency-Key: 7f9c24e5-1a2b-4c3d" \
  -d '{
    "corridor": "CL-US",
    "amount": { "value": "48500.00", "currency": "USD" },
    "source": { "account": "oz_acct_9d21ff", "currency": "CLP" },
    "counterparty": {
      "name": "Acme Trading LLC",
      "account_identifier": "021000021-123456789",
      "country": "US"
    },
    "remittance": { "reference": "INV-2026-0847" },
    "quote": "oz_quote_5b8a12"
  }'

json Response { "id": "oz_pay_8f2c41", "status": "screening", "corridor": "CL-US", "amount": { "value": "48500.00", "currency": "USD" }, "screening": null, "estimated_settlement": { "typical": "PT5M", "upper": "PT4H" }, "created_at": "2026-07-03T14:02:11Z" }

`estimated_settlement` returns the typical and upper-bound settlement windows for the corridor — display both to your users. Honest expectations reduce support volume.

Follow the payment through its lifecycle in Status flow, or subscribe to webhooks for payment.cleared, payment.held, and payment.settled events.

Go live

Status flow