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BMO Payment Initiation API

This is a tag for Payment Initiation - send Payments. receive PAIN001/PAIN008 (Debit/Credit) ISO request as input and return PAIN002 ISO as response after interacting with downstream Payment Rail System(s).

BMO Payment Initiation API is one of 23 APIs that BMO publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

Tagged areas include Payment Initiation. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.

This API exposes 2 operations across 2 paths, and defines 7 schemas. It is described by OpenAPI 3.2.0, at version 1.1.3.

Requests are made against a single base URL, https://sandbox-open-api.bmo.com/open-banking/commercial-sb.

2 operations 2 paths 7 schemas 2 POST

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI 3.2.0
API Version
1.1.3
Base URL
https://sandbox-open-api.bmo.com/open-banking/commercial-sb
Authentication
API Key, OAuth 2.0
Resource Areas
1

Authentication & Security 2

BMO Payment Initiation API declares 2 security schemes for authenticating requests. An API key is passed in the header as x-api-key (api-key-1). It supports OAuth 2.0 (OAuth) using the authorizationCode flow, exposing 3 scopes.

Paths & Operations 2

Across 2 paths, the API surfaces 2 operations — 2 POST. Each is listed below with its method, path, parameters, and response codes.

PaymentInitiation 2

This is a tag for Payment Initiation - send Payments. receive PAIN001/PAIN008 (Debit/Credit) ISO request as input and return PAIN002 ISO as response after interacting with downstr…

POST
/tpp/ach/payment-initiation/customer-credit-transfer-initiation
Send Payment Credit
CreditPaymentInitiation 15 params body → 200400401403404415429500
POST
/tpp/ach/payment-initiation/customer-direct-debit-initiation
Send Payment Debit
DebitPaymentInitiation 15 params body → 200400401403404415429500

Schemas 7

The contract defines 7 schemas that model the data the API accepts and returns. The most detailed are Problem (6 properties), Result (4 properties), AdditionalDetail (3 properties), SECURE (2 properties). Each schema is shown below with its type and property counts.

Problem
object
6 properties 4 required
RequestPayload
object
1 property
ResponsePayload
object
2 properties 2 required
Result
object
4 properties 2 required
AdditionalDetail
object
An object containing detailed Additional information.
3 properties
ResultDetails
object
2 properties
SECURE
object
2 properties 2 required

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

bmo-paymentinitiation-api-openapi.yml Raw ↑

Other APIs BMO publishes across the network.

BMO Account Information API
BMO Account Transactions API
BMO Account Transaction Images API
BMO Account Validation API
BMO Get Payment Status API
BMO Oauth20 API
BMO Obtain Payment Status API
BMO Obtain Service Agreement List API
BMO Payment Status API
BMO Payment Status Update API
BMO Retrieve Client Data Encryption Key API
BMO Send Payment Credit API
Where this information came from

This is an independent, third-party profile of BMO Payment Initiation API, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.

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