API Update - Jan 2026

We have been working on improving the APIs and have added the following functionality in the latest release:

Intermediary Bank Details - No longer mandatory for payments

We have updated the Validate and Instruct APIs to support cross‑border payments using only beneficiary bank information, without requiring intermediary bank details (for example, USD to Japan).

If you continue to provide intermediary bank details in the Instruct API, we will still accept and use them when processing your payments.

Swift BIC Code Length - 8 or 11 characters supported

The Instruct API now accepts either an 8-character or an 11-character BIC code when you send a payment instruction.

If you provide an 8-character BIC, it will automatically be padded with XXX at the end to convert it to a standard 11-character BIC format.

New Payment Status - PresumedCompleted

With this release, we have introduced a new payment status on the Get Status API : PresumedCompleted

This status is applied to payments previously in a Released or In Progress state once our correspondent bank has debited our account and the value date has been reached.

PresumedCompleted status indicates that, in the absence of a definitive completion confirmation from the beneficiary bank, the payment is assumed to have been completed and delivered. This status is provisional and may be overwritten if a subsequent Completed or Rejected Swift GPI status is received. Please refer to this page for full details of all supported payment status values.