Migration from direct DCT to drafts

POST /payments/domestic-credit-transfer is deprecated and scheduled for deletion in Q1 2027. New and existing integrations should migrate to the draft flow described on this page.

If you currently use POST /payments/domestic-credit-transfer, migrate to the draft flow before the endpoint is removed in Q1 2027 — whether you are building a new integration or updating an existing one.

For domestic credit transfer draft fields, validation rules, error codes, and cancellation, see Domestic Credit Transfer Drafts. For the shared approval flow, see Signing Baskets & Drafts.

Field mapping

Map direct initiation fields to domestic credit transfer draft fields as follows:

Direct DCT (`POST /payments/domestic-credit-transfer`)	DCT Draft	Notes
`accountId`	`senderAccountId`
`recipientBBAN`	`receiverAccountBban`	11–14 characters
`recipientName`	`receiverName`	Required for DK instant transfers
`title`	`senderMessage`	Sender transaction title
`message`	`shortReceiverMessage`	Message to recipient
`date`	`executionDate`	ISO-8601 date (`YYYY-MM-DD`)
`redirectUrl`	on `POST /payments/drafts/approve` (not on the draft)

Flow changes

Before (direct initiation):

After (draft flow):

POST /payments/drafts/domestic-credit-transfer with draftId and name
PATCH payment fields incrementally as they become available
Poll GET /payments/drafts until the new draftId appears with isValid: true — draft availability is eventually consistent
POST /payments/drafts/approve with draftIds and redirectUrl when the draft appears in the list
Poll GET /payments/drafts/approve/{requestId}/status for paymentId
GET /payments/domestic-credit-transfer/{paymentId} for the final payment status

The draft flow separates payment preparation from authorization. You can build multi-step UIs, combine domestic credit transfer drafts with other payment types in a single signing basket, and retry failed payments without recreating the draft. Compared with direct initiation, drafts also give much improved validation handling before approval and clearer payment error feedback when a transfer fails after approval.