---
title: "IBSettle"
slug: "ibsettle"
updated: 2025-06-13T08:25:43Z
published: 2025-06-13T08:25:43Z
canonical: "docs.apcopay.com/ibsettle"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.apcopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# IBSettle

**IBSettle** is a licensed Lithuanian EMI offering SEPA and SWIFT payouts via dedicated IBANs, with access through a web portal or API. Their solution supports automated, compliant, and scalable Euro payments across the EU.

General Information

IBSettle processes transactions at specific intervals, with cut-off times based on **Central European Time (CET)** using the 24-hour clock format. These schedules apply **only on business days**. Please note that the **receiving bank may require additional time** to credit funds, so the times below should be viewed as **general guidelines**, not guaranteed delivery times.

| **Time of Payment Submission** | **Expected Payment Receipt** |
| --- | --- |
| Before 10:00 | Same day – 12:30 |
| 10:01 to 12:30 | Same day – 14:00 |
| 12:31 to 15:00 | Same day – 17:15 |
| 15:01 to 17:00 | Same day – 18:45 |
| 17:01 to 10:00 (next business day) | Next business day – 12:30 |

## Supported Transaction Types

- [ ] Authorisation
- [ ] Capture
- [ ] Purchase
- [ ] Refund
- [x] Withdrawal

## Integrations Supported

**Deposit**

- [ ] Hosted Payment Page
- [ ] Direct Connect ( server-to-server)

**Withdrawal**

- [ ] Hosted Payment Page
- [x] Direct Connect ( server-to-server)

## Additional attributes to process Sepa Payouts via IBSettle

The following JSON attributes need to be included in the payload.

| Description | Hosted Payment Page |
| --- | --- |
| **Force Transaction Routing** | "Routing": { "ForcePayment": "IBS" |
| **Client Details** | "Client":{ "email": "[joe@test.com](mailto:joe@test.com)", "firstName": "Joe", "lastName": "Bloggs", "city": "MagicCity", "IPAddress": "127.0.0.1" |
| **PaymentMethodData** | "BeneficiaryAccountNumber": "DE75512108001245126199", "BeneficiaryName": "BenName" |
| **Test Indicator** (required in Sandbox Environment only) | "isTest”: true |

Sample request below

```json
{
  "TransactionType": "ORIGINALCREDIT",
  "Amount": "1.00",
  "Currency": "EUR",
  "OrderReference": "MerchantOrder1",
  "RedirectionURL": "https://www.yourURLhere.com/technicalsupporttool-fe/Redirect/",
  "CallBackURL": "https://www.yourURLhere.com/technicalsupporttool-fe/Redirect/",
   "IsTest": "True",
  "Client":{
     "email": "joe@test.com",
    "firstName": "Joe",
    "lastName": "Bloggs",
    "city": "MagicCity",
    "IPAddress": "127.0.0.1"
  },
  "PaymentMethodData": {
    "BeneficiaryAccountNumber": "DE75512108001245126199",
    "BeneficiaryName": "BenName"
  },
  "Routing": {
    "ForcePayment": "IBS"
  }
```

## Test Credentials

A test simulator is available when using the dev environment.