**Last updated**: 17 November 2025 | [**Change log**](/products/apms/changelog/)

# Euteller

Euteller is a Finnish real-time bank transfer.

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

details
summary
Product overview
### Feature summary

| Payment type | Country | Acceptance currency | Recurring | Reversals | Partial reversals |
|  --- | --- | --- | --- | --- | --- |
| Bank Transfer | Finland | EUR | ❌ | ❌ | ❌ |


- Minimum Transaction Value: 1.00 EUR
- Maximum Transaction Value: 10.000 EUR


## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example requests

### Parameters

## Response

#### Successful request response

* an HTTP code 201
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a url to redirect your customer to the APM provider to complete the payment
* a link to query the payment status
* an object which will give flow information such as `method` (e.g. `euteller`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
  "paymentInstrument": {
    "method": "euteller",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTzcWc3R6+5zZK5RqFw6QyrcAaFT9PiiV:KsP+z2Cdr9oxuSfqYOtdVF0OwjHRCY6fWf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6+oAmQDZ4XeMgDeQI2w4EZ7iQ1nvluDoy+dGvYqTohVbBKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDRl9fGV4F+Ts5DIzFBZXwnKcPcX:M9d41BG:4PWl1:OqGmtihkRekmlTeWODtPBkZhRjs5lqC9AjyzaxzGXn3fw==",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTzcWc3R6+5zZK5RqFw6QyrcAaFT9PiiV:KsP+z2Cdr9oxuSfqYOtdVF0OwjHRCY6fWf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6+oAmQDZ4XeMgDeQI2w4EZ7iQ1nvluDoy+dGvYqTohVbBKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDRl9fGV4F+Ts5DIzFBZXwnKcPcX:M9d41BG:4PWl1:OqGmtihkRekmlTeWODtPBkZhRjs5lqC9AjyzaxzGXn3fw=="
    }
  },
  "_actions": {},
  "redirect": "http://secure-test.worldpay.com/redirect?tokenId=2b2539cb-b52b-4c5e-90aa-8a879c87ed8a",
  "commandId": "cmdM24qyyt47aSDQNPNGnyAM0"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your Euteller payment](/products/apms/manage/)