Bill Payments pay user1 - not working - ?

Δεν αλλάζει τίποτα όμως στον user1. Δεν μειώνεται το balance του.

{
  "payload": {
    "paymentIdentification": {
      "instrId": "a79c2195-7db7-4b97-b2dd-eb99d749d210",
      "endtoendId": "247264526647",
      "txId": "a79c2195-7db7-4b97-b2dd-eb99d749d210",
      "clrSysRef": "90773620062620185486",
      "paymentRef": null
    },
    "creditor": {
      "name": "ΔΕΗ",
      "creditorAccount": {
        "iban": "GR71921131927995927341",
        "pan": null
      },
      "creditorBank": {
        "bic": "ETHNGRAA",
        "branchId": "620",
        "name": "NATIONAL BANK OF GREECE"
      }
    },
    "debtor": {
      "name": "Αυτός που πληρώνει την ΔΕΗ",
      "debtorAccount": {
        "iban": "GR8979540708770489",
        "pan": null
      },
      "telephone": "2101234567"
    },
    "settlementInfo": {
      "ccy": "EUR",
      "amount": 50,
      "method": "ACCT"
    },
    "commissionInfo": {
      "total": 0.1,
      "nbg": 0.1,
      "merchant": 0,
      "thirdParty": 0,
      "subAgent": 0
    },
    "additional": {
      "ledgerBalance": 1000,
      "availableBalance": 1000,
      "sendCutOffTime": "2018-06-27 08:00:00"
    }
  },
  "exception": null,
  "messages": null,
  "executionTime": 0
}