Create a funds recovery
Opens a MED 2.0 funds recovery synchronously. A successful creation returns HTTP 201 with status CREATED. Reusing an Idempotency-Key returns the original response with HTTP 200. A duplicate recovery is rejected with 409 / PIX-0113. If the timestamp in rootTransactionId is outside the applicable MED contestation window, the request is rejected with 422 / PIX-0117. The window is determined by the funds recovery creation time: pacs.008 uses 80 calendar days; pacs.004 uses 30 calendar days before 2026-09-01T00:00:00Z and 80 calendar days from that instant onward. This timestamp validation does not confirm that the referenced transaction exists. The participant is determined by the authenticated tenant. participantId, reporterParticipant, rootTransactionType, and idempotencyKey are rejected when included in the body.
Authorizations
JWT bearer token issued by the identity provider.
Headers
Client-generated key used to retry exactly the same request safely.
"a1b2c3d4-0000-0000-0000-000000000001"
Body
"550e8400-e29b-41d4-a716-446655440000"
"E12345678202605171530aB3xK9mWq2z"
SCAM, ACCOUNT_TAKEOVER, COERCION, FRAUDULENT_ACCESS, OTHER, UNKNOWN "SCAM"
"Victim of a WhatsApp scam"
Response
Idempotent replay: a repeated Idempotency-Key returns the funds recovery created by the first request (cached response body).
"550e8400-e29b-41d4-a716-446655440000"
"9f3a8b7e-2c1d-4e5a-8b6f-1a2b3c4d5e6f"
"2026-05-17T13:30:00Z"
"018f8c1d-1234-7abc-9def-000000000001"
"12345678"
"12345678"
"E12345678202605171530aB3xK9mWq2z"
SCAM, ACCOUNT_TAKEOVER, COERCION, FRAUDULENT_ACCESS, OTHER, UNKNOWN "SCAM"
CREATED, TRACKED, AWAITING_ANALYSIS, ANALYSED, REFUNDING, COMPLETED, CANCELLED "CREATED"
"2026-05-17T13:30:00Z"
"7c9e6679742540de944be07fc1f90ae7"
"Victim of a WhatsApp scam"

