curl --request GET \
--url https://api.pay.aptahq.com/v1/reference/banks/{country} \
--header 'X-AptaPay-Signature: <api-key>'const options = {method: 'GET', headers: {'X-AptaPay-Signature': '<api-key>'}};
fetch('https://api.pay.aptahq.com/v1/reference/banks/{country}', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://api.pay.aptahq.com/v1/reference/banks/{country}"
headers = {"X-AptaPay-Signature": "<api-key>"}
response = requests.get(url, headers=headers)
print(response.text){
"code": 200,
"message": "OK",
"data": "<unknown>",
"error": {
"code": "payout_rejected_by_provider",
"message": "<string>",
"terminal": true,
"retriable": true,
"ambiguous": true,
"details": {}
}
}{
"code": 200,
"message": "OK",
"data": "<unknown>",
"error": {
"code": "payout_rejected_by_provider",
"message": "<string>",
"terminal": true,
"retriable": true,
"ambiguous": true,
"details": {}
}
}Delivery banks for a country
Populate the bank dropdown on a payout form. Given a country, returns the banks you can pay INTO there, each with the code you then send as destination.bank_code on POST /v1/payouts.
Fetched live from the provider, so it reflects what is actually payable today. Inactive banks are filtered out before you see them — an inactive bank is not a payout destination, and listing it would let you build a UI offering a route that fails at the moment money moves.
The usual sequence for a bank payout is: this endpoint for the bank list, then POST /v1/reference/resolve-bank-account to confirm the account holder’s name, then POST /v1/payouts.
curl --request GET \
--url https://api.pay.aptahq.com/v1/reference/banks/{country} \
--header 'X-AptaPay-Signature: <api-key>'const options = {method: 'GET', headers: {'X-AptaPay-Signature': '<api-key>'}};
fetch('https://api.pay.aptahq.com/v1/reference/banks/{country}', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://api.pay.aptahq.com/v1/reference/banks/{country}"
headers = {"X-AptaPay-Signature": "<api-key>"}
response = requests.get(url, headers=headers)
print(response.text){
"code": 200,
"message": "OK",
"data": "<unknown>",
"error": {
"code": "payout_rejected_by_provider",
"message": "<string>",
"terminal": true,
"retriable": true,
"ambiguous": true,
"details": {}
}
}{
"code": 200,
"message": "OK",
"data": "<unknown>",
"error": {
"code": "payout_rejected_by_provider",
"message": "<string>",
"terminal": true,
"retriable": true,
"ambiguous": true,
"details": {}
}
}Authorizations
v1={hex HMAC-SHA256} over the ten-field canonical string. Sent alongside X-AptaPay-Key, X-AptaPay-Timestamp and X-AptaPay-Nonce — all four are required. OpenAPI can only model one header per scheme, so the other three are described in the Authentication section above.
Path Parameters
Response
Banks.
The single response envelope, used by EVERY endpoint so a consuming app parses one shape everywhere.
200
"OK"
Present on success. Shape varies per endpoint.
Machine-readable error classification. EXACTLY ONE of terminal/retriable/ ambiguous is true. laces_api inferred this from the HTTP status and got it wrong, stranding real money twice (2026-08-15, 2026-08-16). Branch on these booleans, never on the status code:
terminal -> the provider refused. Reverse the debit and tell the user. retriable -> safe to retry with the SAME Idempotency-Key. ambiguous -> the outcome is UNKNOWN. Do NOT reverse. Poll instead.
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