Create a transfer

Move money by providing the source, destination, and amount in the request body. Read our transfers overview guide to learn more.

If you are running a server-side integration, you will use your API keys per our authentication guidelines.

If you are running a client-side integration, you’ll need to specify the /accounts/{yourAccountID}/transfers.write scope when generating a token. The accountID included must be your accountID. You can find your accountID on the Business details page.

POST

/transfers

cURL Go JavaScript

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curl -X POST "https://api.moov.io/transfers" \
  -H "Authorization: Bearer {token}" \
  -H "X-Idempotency-Key: UUID" \
  -H "X-Wait-For: rail-response" \
  --data-raw '{
    "amount": {
      "value": 100,
      "currency": "USD"
    },
    "destination": {
      "paymentMethodID": "UUID"
    },
    "source": {
      "paymentMethodID": "UUID"
    },
    "description": "Optional transaction description."
  }'\

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mc, _ := moov.NewClient()

mc.CreateTransfer(ctx, moov.CreateTransfer{
  Amount: moov.Amount{
    Currency: "usd",
    Value:    100, // $1.00
  },
  Destination: moov.CreateTransfer_Destination{
    PaymentMethodID: "UUID",
  },
  Source: moov.CreateTransfer_Source{
    PaymentMethodID: "UUID",
  },
  Description: "Optional transaction description.",
})

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const moov = new Moov(credentialsObject);

const transfer = await moov.transfers.create({
  amount: {
    value: 100,
    currency: "USD"
  },
  destination: {
    paymentMethodID: "UUID"
  },
  source: {
    paymentMethodID: "UUID"
  },
  description: "Optional transaction description."
});

200 201 202 400 409 422 429

Successfully created a transfer.

{
  "createdOn": "2019-08-24T14:15:22Z",
  "transferID": "e23de6dd-5168-4e1d-894d-807fa691dc80"
}

A transfer was successfully created but an error occurred while generating the synchronous response. The asynchronous response object will be returned.

{
  "createdOn": "2019-08-24T14:15:22Z",
  "transferID": "e23de6dd-5168-4e1d-894d-807fa691dc80"
}

A transfer was successfully created but a timeout occurred while waiting for a synchronous response. Rail-specific details may be missing from the response object.

Details about the transfer.

{
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "completedOn": "2019-08-24T14:15:22Z",
  "createdOn": "2019-08-24T14:15:22Z",
  "description": "Pay Instructor for May 15 Class",
  "destination": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "rtpDetails": {
      "acceptedWithoutPostingOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "processing-error",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "networkResponseCode": "string",
      "status": "initiated"
    },
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "disputedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "disputes": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "disputeID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  ],
  "facilitatorFee": {
    "markup": 0,
    "markupDecimal": "0.987654321",
    "total": 0,
    "totalDecimal": "12.987654321"
  },
  "failureReason": "wallet-insufficient-funds",
  "groupID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "metadata": {
    "property1": "string",
    "property2": "string"
  },
  "moovFee": 0,
  "moovFeeDecimal": "0.987654321",
  "moovFeeDetails": {
    "cardScheme": "string",
    "discount": "string",
    "interchange": "string",
    "moovProcessing": "string"
  },
  "occurrenceID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "refundedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "refunds": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "cardDetails": {
        "completedOn": "2019-08-24T14:15:22Z",
        "confirmedOn": "2019-08-24T14:15:22Z",
        "failedOn": "2019-08-24T14:15:22Z",
        "failureCode": "call-issuer",
        "initiatedOn": "2019-08-24T14:15:22Z",
        "settledOn": "2019-08-24T14:15:22Z",
        "status": "initiated"
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "refundID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "status": "failed",
      "updatedOn": "2019-08-24T14:15:22Z"
    }
  ],
  "scheduleID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "source": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "status": "pending",
  "sweepID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
}

Invalid request, an error message will be available in the response body.

Response for http requests that failed

{
  "error": "example error message"
}

Attempted to create a transfer using a duplicate X-Idempotency-Key header.

Details about the transfer.

{
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "completedOn": "2019-08-24T14:15:22Z",
  "createdOn": "2019-08-24T14:15:22Z",
  "description": "Pay Instructor for May 15 Class",
  "destination": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "rtpDetails": {
      "acceptedWithoutPostingOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "processing-error",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "networkResponseCode": "string",
      "status": "initiated"
    },
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "disputedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "disputes": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "disputeID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  ],
  "facilitatorFee": {
    "markup": 0,
    "markupDecimal": "0.987654321",
    "total": 0,
    "totalDecimal": "12.987654321"
  },
  "failureReason": "wallet-insufficient-funds",
  "groupID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "metadata": {
    "property1": "string",
    "property2": "string"
  },
  "moovFee": 0,
  "moovFeeDecimal": "0.987654321",
  "moovFeeDetails": {
    "cardScheme": "string",
    "discount": "string",
    "interchange": "string",
    "moovProcessing": "string"
  },
  "occurrenceID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "refundedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "refunds": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "cardDetails": {
        "completedOn": "2019-08-24T14:15:22Z",
        "confirmedOn": "2019-08-24T14:15:22Z",
        "failedOn": "2019-08-24T14:15:22Z",
        "failureCode": "call-issuer",
        "initiatedOn": "2019-08-24T14:15:22Z",
        "settledOn": "2019-08-24T14:15:22Z",
        "status": "initiated"
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "refundID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "status": "failed",
      "updatedOn": "2019-08-24T14:15:22Z"
    }
  ],
  "scheduleID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "source": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "status": "pending",
  "sweepID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
}

The request body could not be processed.

Request was refused due to rate limiting.

Retry-After


      number

Headers

X-Idempotency-Key


      string
      <uuid>

required

Prevents duplicate transfers from being created. Note that we only accept UUIDs.

X-Wait-For


      string

Optional header that indicates whether to return a synchronous response that includes full transfer and rail-specific details or an asynchronous response indicating the transfer was created (this is the default response if the header is omitted).

Possible values: rail-response

Body

application/json

amount


        object

required

An integer value representing money in a specific currency.

Show child attributes

currency


        string

<=3 characters

A 3-letter ISO 4217 currency code.

value


        integer<int64>

Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

destination


        object

required

The final stage of a transfer and the ultimate recipient of the funds.

Show child attributes

paymentMethodID


        string<uuid>

<=36 characters required

UUID

achDetails


        object

If transfer involves ACH, override default card acceptance properties.

Show child attributes

companyEntryDescription


        string

[4 to 10] characters

An optional override of the default NACHA company entry description for a transfer.

originatingCompanyName


        string

[4 to 16] characters

An optional override of the default NACHA company name for a transfer.

cardDetails


        object

If transfer involves card acceptance, override default card acceptance properties.

Show child attributes

dynamicDescriptor


        string

[4 to 22] characters

An optional override of the default card statement descriptor for a transfer. Accounts must be enabled by Moov to set this field.

source


        object

required

Where funds for a transfer originate. For the source, you must include either a paymentMethodID or a transferID. A transferID is used to create a transfer group, associating the new transfer with a parent transfer.

Show child attributes

paymentMethodID


        string<uuid>

<=36 characters required

UUID

transferID


        string<uuid>

<=36 characters required

UUID

achDetails


        object

If transfer involves ACH, override default card acceptance properties.

Show child attributes

companyEntryDescription


        string

[4 to 10] characters

An optional override of the default NACHA company entry description for a transfer.

originatingCompanyName


        string

[4 to 16] characters

An optional override of the default NACHA company name for a transfer.

debitHoldPeriod


        string

An optional override of your default ACH hold period in banking days. The hold period must be longer than or equal to your default setting.

Possible values: no-hold, 1-day, 2-days

secCode


        string

Code used to identify the ACH authorization method.

Possible values: WEB, PPD, CCD, TEL

cardDetails


        object

If transfer involves card acceptance, override default card acceptance properties.

Show child attributes

dynamicDescriptor


        string

[4 to 22] characters

An optional override of the default card statement descriptor for a transfer. Accounts must be enabled by Moov to set this field.

transactionSource


        string<enum>

Specifies the nature and initiator of a transaction. Crucial for recurring and merchant-initiated transactions as per card scheme rules. Omit for customer-initiated e-commerce transactions.

first-recurring: Initial transaction in a recurring series or saving a card for future merchant-initiated charges
recurring: Regular, merchant-initiated scheduled transactions
unscheduled: Non-regular, merchant-initiated transactions like account top-ups

Possible values: first-recurring, recurring, unscheduled

description


        string

<=128 characters

An optional description of the transfer for your own internal use.

facilitatorFee


        object

Total or markup fee.

Show child attributes

markup


        integer<int64>

Markup facilitator fee in cents. Only either markup or markupDecimal can be set.

markupDecimal


        string

Same as markup, but a decimal-formatted numerical string that represents up to 9 decimal place precision. Only either markup or markupDecimal can be set. Set this field if you expect the fee to be in fractions of a cent.

A decimal-formatted numerical string that represents up to 9 decimal place precision.

total


        integer<int64>

Total facilitator fee in cents. Only either total or totalDecimal can be set.

totalDecimal


        string

Same as total, but a decimal-formatted numerical string that represents up to 9 decimal place precision. Only either total or totalDecimal can be set. Set this field if you expect the fee to be in fractions of a cent.

A decimal-formatted numerical string that represents up to 9 decimal place precision.

metadata


        object

Free-form key-value pair list. Useful for storing information that is not captured elsewhere.

Response

application/json

Asynchronous transfer response Full transfer details

createdOn


        string<date-time>

<=24 characters

transferID


        string<uuid>

Identifier for the transfer.

Details about the transfer.

amount


        object

An integer value representing money in a specific currency.

Show child attributes

currency


        string

<=3 characters

A 3-letter ISO 4217 currency code.

value


        integer<int64>

Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

completedOn


        string<date-time>

<=24 characters

createdOn


        string<date-time>

<=24 characters

description


        string

<=128 characters

A description of the transfer.

destination


        object

Show child attributes

account


        object

required

Show child attributes

accountID


        string<uuid>

<=36 characters required

ID of account.

displayName


        string

<=64 characters required

email


        string<email>

<=255 characters required

Email address.

paymentMethodID


        string<uuid>

<=36 characters required

UUID

paymentMethodType


        string<enum>

required

The payment method type that represents a payment rail and directionality

Possible values: moov-wallet, ach-debit-fund, ach-debit-collect, ach-credit-standard, ach-credit-same-day, rtp-credit, card-payment, apple-pay, push-to-card, pull-from-card

achDetails


        object

ACH specific details about the transaction.

Show child attributes

status


        string<enum>

required

Status of the ACH lifecycle.

Possible values: initiated, originated, corrected, returned, completed

traceNumber


        string

<=15 characters required

companyEntryDescription


        string

[4 to 10] characters

An optional override of the default NACHA company entry description for a transfer.

completedOn


        string<date-time>

<=24 characters

correctedOn


        string<date-time>

<=24 characters

correction


        object

Show child attributes

code


        string

description


        string

reason


        string

debitHoldPeriod


        string<enum><enum>

An optional override of your default ACH hold period in banking days. The hold period must be longer than or equal to your default setting.

Possible values: no-hold, 1-day, 2-days

initiatedOn


        string<date-time>

<=24 characters

originatedOn


        string<date-time>

<=24 characters

originatingCompanyName


        string

[4 to 16] characters

An optional override of the default NACHA company name for a transfer.

return


        object

Show child attributes

code


        string

description


        string

reason


        string

returnedOn


        string<date-time>

<=24 characters

secCode


        string<enum>

Code used to identify the ACH authorization method.

Possible values: WEB, PPD, CCD, TEL

applePay


        object

Describes an Apple Pay token on a Moov account.

Show child attributes

brand


        string<enum>

The card brand.

Possible values: American Express, Discover, Mastercard, Visa

cardDisplayName


        string

User-friendly name of the tokenized card returned by Apple. It usually contains the brand and the last four digits of the underlying card for example, “Visa 1256”. There is no standard format.

cardType


        string<enum>

The type of the card.

Possible values: debit, credit, prepaid, unknown

dynamicLastFour


        string

The last four digits of the Apple Pay token, which may differ from the tokenized card’s last four digits

expiration


        object

The expiration date of the card or token.

Show child attributes

month


        string

2 characters

year


        string

2 characters

fingerprint


        string

<=100 characters

Uniquely identifies a linked payment card or token. For Apple Pay, the fingerprint is based on the tokenized card number and may vary based on the user’s device. This field can be used to identify specific payment methods across multiple accounts on your platform.

issuerCountry


        string

Country where the underlying card was issued.

bankAccount


        object

Describes a bank account on a Moov account.

Show child attributes

bankAccountID


        string<uuid>

<=36 characters

UUID

bankAccountType


        string<enum>

The bank account type.

Possible values: checking, savings, general-ledger, loan

bankName


        string

exceptionDetails


        object

Reason for, and details related to, an errored or verificationFailed bank account status.

Show child attributes

achReturnCode


        string<enum>

The return code of an ACH transaction that caused the bank account status to change.

Codes:

R02 - Account Closed
R03 - No Account/Unable to Locate Account
R04 - Invalid Account Number
R05 - Improper Debit to Consumer Account
R07 - Authorization Revoked by Customer
R08 - Payment Stopped
R10 - Customer Advises Originator is Not Known or Authorized to Receiver and
R11 - Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12 - Branch Sold to Another DFI
R13 - RDFI not qualified to participate
R14 - Representative payee deceased or unable to continue in that capacity
R15 - Beneficiary or bank account holder
R16 - Bank account frozen
R17 - Entry with Invalid Account Number Initiated Under Questionable Circumstances
R20 - Non-payment bank account
R23 - Credit entry refused by receiver
R29 - Corporate customer advises not authorized
R34 - Limited participation RDFI
R38 - Stop Payment on Source Document (Adjustment Entry)
R39 - Improper Source Document

Possible values: R02, R03, R04, R05, R07, R08, R10, R11, R12, R13, R14, R15, R16, R17, R20, R23, R29, R34, R38, R39

description


        string

Details related to an errored or verificationFailed bank account status.

rtpRejectionCode


        string<enum>

The rejection code of an RTP transaction that caused the bank account status to change.

Codes:

AC03 - Account Invalid
AC04 - Account Closed
AC06 - Account Blocked
AC14 - Creditor Account Type Invalid
AG01 - Transactions Forbidden On Account
AG03 - Transaction Type Not Supported
MD07 - Customer Deceased

Possible values: AC03, AC04, AC06, AC14, AG01, AG03, MD07

fingerprint


        string

<=100 characters

Once the bank account is linked, we don’t reveal the full bank account number. The fingerprint acts as a way to identify whether two linked bank accounts are the same.

holderName


        string

holderType


        string<enum>

The type of holder on a funding source.

Possible values: individual, business

lastFourAccountNumber


        string

paymentMethods


        array

Includes any payment methods generated for a newly created bank account, removing the need to call the List Payment Methods endpoint following a successful Create BankAccount request.

NOTE: This field is only populated for Create BankAccount requests made with the X-Wait-For header.

Show child attributes

paymentMethodID


        string<uuid>

<=36 characters

UUID

paymentMethodType


        string<enum>

The payment method type that represents a payment rail and directionality

Possible values: moov-wallet, ach-debit-fund, ach-debit-collect, ach-credit-standard, ach-credit-same-day, rtp-credit, card-payment, apple-pay, push-to-card, pull-from-card

routingNumber


        string

status


        string<enum>

The bank account status.

Possible values: new, verified, verificationFailed, pending, errored

statusReason


        string<enum>

The reason the bank account status changed to the current value.

Possible values: bank-account-created, verification-initiated, micro-deposit-attempts-exceeded, micro-deposit-expired, max-verification-failures, verification-attempts-exceeded, verification-expired, verification-successful, ach-debit-return, ach-credit-return, rtp-credit-failure, micro-deposit-return, admin-action, other

updatedOn


        string<date-time>

<=24 characters

card


        object

Describes a card on a Moov account.

Show child attributes

billingAddress


        object

Show child attributes

addressLine1


        string

<=60 characters required

city


        string

<=24 characters required

country


        string

<=2 characters required

postalCode


        string

[1 to 10] characters required

stateOrProvince


        string

<=2 characters required

addressLine2


        string

<=32 characters

bin


        string

The first six to eight digits of the card number, which identifies the financial institution that issued the card.

brand


              string

The card brand.

Possible values: American Express, Discover, Mastercard, Visa

cardAccountUpdater


        object

The results of the most recent card update request.

Show child attributes

updateType


        string<enum>

The results of the card update request.

Possible values: unspecified, account-closed, contact-cardholder, expiration-update, no-change, no-match, number-update

updatedOn


        string<date-time>

<=24 characters

cardCategory


        string

The category or level of the card defined by the issuer. Examples include, but not limited to “REWARDS”, “TRADITIONAL REWARDS”, “CLASSIC”, and “CORPORATE PURCHASING”.

cardID


        string<uuid>

<=36 characters

UUID

cardOnFile


        boolean

Indicates cardholder has authorized card to be stored for future payments.

cardType


        string<enum>

The type of the card.

Possible values: debit, credit, prepaid, unknown

cardVerification


              object

The results of submitting cardholder data to a card network for verification.

Show child attributes

accountName


              object

The results of submitting cardholder name to a card network for verification.

Show child attributes

firstName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

fullName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

lastName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

middleName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

addressLine1


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

cvv


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

postalCode


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

commercial


        boolean

If true, the card is for commercial use, or associated with a business. If false, the card is associated with a general consumer.

domesticPullFromCard


              string

Indicates if the card supports domestic pull-from-card transfer.

Possible values: not-supported, supported, unknown

domesticPushToCard


              string

Indicates which level of domestic push-to-card transfer is supported by the card, if any.

Possible values: not-supported, standard, fast-funds, unknown

expiration


        object

The expiration date of the card or token.

Show child attributes

month


        string

2 characters

year


        string

2 characters

fingerprint


        string

<=100 characters

holderName


        string

The name of the cardholder as it appears on the card.

issuer


        string

Financial institution that issued the card.

issuerCountry


        string

Country where the card was issued.

issuerPhone


        string

Phone number of the issuer.

issuerURL


        string

URL of the issuer.

lastFourCardNumber


        string

Last four digits of the card number

merchantAccountID


        string<uuid>

ID of the Moov account acting as a merchant or other entity authorized to store the card. Defaults to your platform account ID if cardOnFile is set to true and no other account is provided.

paymentMethods


        array

Includes any payment methods generated for a newly linked card, removing the need to call the List Payment Methods endpoint following a successful Link Card request.

NOTE: This field is only populated for Link Card requests made with the X-Wait-For header.

Show child attributes

paymentMethodID


        string<uuid>

<=36 characters

UUID

paymentMethodType


        string<enum>

The payment method type that represents a payment rail and directionality

Possible values: moov-wallet, ach-debit-fund, ach-debit-collect, ach-credit-standard, ach-credit-same-day, rtp-credit, card-payment, apple-pay, push-to-card, pull-from-card

regulated


        boolean

If true, the card issuing bank is regulated, and the scheme fees for debit transactions will be limited based on the Durbin Amendment. If false, the card issuing bank is not regulated, and the scheme fees will not be limited.

cardDetails


        object

Card-specific details about the transaction.

Show child attributes

status


        string<enum>

required

Status for card payment lifecycle.

Possible values: initiated, confirmed, canceled, settled, failed, completed

canceledOn


        string<date-time>

<=24 characters

completedOn


        string<date-time>

<=24 characters

confirmedOn


        string<date-time>

<=24 characters

dynamicDescriptor


        string

[4 to 22] characters

An optional override of the default card statement descriptor for a transfer. Accounts must be enabled by Moov to set this field.

failedOn


        string<date-time>

<=24 characters

failureCode


        string<enum>

Possible values: call-issuer, do-not-honor, processing-error, invalid-transaction, invalid-amount, no-such-issuer, reenter-transaction, cvv-mismatch, lost-or-stolen, insufficient-funds, invalid-card-number, invalid-merchant, expired-card, incorrect-pin, transaction-not-allowed, suspected-fraud, amount-limit-exceeded, velocity-limit-exceeded, revocation-of-authorization, card-not-activated, issuer-not-available, could-not-route, cardholder-account-closed, unknown-issue, duplicate-transaction

feeProgram


        string

The program assigned by the card network that determines the interchange rate for the transfer.

initiatedOn


        string<date-time>

<=24 characters

interchangeQualification


        string

deprecated

DEPRECATED - The program assigned by the card network that determines the interchange rate for the transfer.

settledOn


        string<date-time>

<=24 characters

transactionSource


        string<enum>

Specifies the nature and initiator of a transaction. Crucial for recurring and merchant-initiated transactions as per card scheme rules. Omit for customer-initiated e-commerce transactions.

first-recurring: Initial transaction in a recurring series or saving a card for future merchant-initiated charges
recurring: Regular, merchant-initiated scheduled transactions
unscheduled: Non-regular, merchant-initiated transactions like account top-ups

Possible values: first-recurring, recurring, unscheduled

rtpDetails


        object

RTP specific details about the transaction.

Show child attributes

status


        string<enum>

required

Status of the RTP lifecycle.

Possible values: initiated, completed, failed, accepted-without-posting

acceptedWithoutPostingOn


        string<date-time>

<=24 characters

completedOn


        string<date-time>

<=24 characters

failedOn


        string<date-time>

<=24 characters

failureCode


        string<enum>

Status codes for RTP failures.

Possible values: processing-error, invalid-account, account-closed, account-blocked, invalid-field, transaction-not-supported, limit-exceeded, invalid-amount, customer-deceased, other

initiatedOn


        string<date-time>

<=24 characters

networkResponseCode


        string

Code returned by rail network on failure.

wallet


        object

A Moov wallet to store funds for transfers.

Show child attributes

walletID


        string<uuid>

<=36 characters

UUID

disputedAmount


        object

The total disputed amount for a card transfer.

An integer value representing money in a specific currency.

Show child attributes

currency


        string

<=3 characters

A 3-letter ISO 4217 currency code.

value


        integer<int64>

Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

disputes


        array

A list of disputes for a card transfer.

Show child attributes

amount


        object

An integer value representing money in a specific currency.

Show child attributes

currency


        string

<=3 characters

A 3-letter ISO 4217 currency code.

value


        integer<int64>

Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

createdOn


        string<date-time>

<=24 characters

disputeID


        string<uuid>

<=36 characters

UUID

facilitatorFee


        object

Fee you charged your customer for the transfer.

Show child attributes

total


        integer<int64>

required

Total facilitator fee in cents.

totalDecimal


              string

required

Same as total, but a decimal-formatted numerical string that represents up to 9 decimal place precision.

A decimal-formatted numerical string that represents up to 9 decimal place precision.

markup


        integer<int64>

Markup facilitator fee in cents.

markupDecimal


              string

Same as markup, but a decimal-formatted numerical string that represents up to 9 decimal place precision.

A decimal-formatted numerical string that represents up to 9 decimal place precision.

failureReason


        string<enum>

Reason for a transfer’s failure.

Possible values: source-payment-error, destination-payment-error, wallet-insufficient-funds, rejected-high-risk, processing-error

groupID


        string<uuid>

<=36 characters

Optional UUID

metadata


        object

Free-form key-value pair list. Useful for storing information that is not captured elsewhere.

moovFee


        integer<int64>

Fees charged to your platform account for transfers.

moovFeeDecimal


        string

Same as moovFee, but a decimal-formatted numerical string that represents up to 9 decimal place precision.

moovFeeDetails


        object

Processing and pass-through costs that add up to the moovFee.

Show child attributes

moovProcessing


        string

required

Moov processing fee. String type represents dollars with up to 9 decimal place precision.

cardScheme


        string

Card scheme fees accrued during authorization and settlement. String type represents dollars with up to 9 decimal place precision.

discount


        string

Network discount fee for American Express. String type represents dollars with up to 9 decimal place precision.

interchange


        string

Network interchange fee for Visa, Mastercard, or Discover. String type represents dollars with up to 9 decimal place precision.

occurrenceID


        string<uuid>

<=36 characters

Optional UUID

refundedAmount


        object

The total refunded amount for a card transfer, representing one refunded amount, or multiple partial refunded amounts. Contains an integer value and its currency. See the refunds array for additional details.

An integer value representing money in a specific currency.

Show child attributes

currency


        string

<=3 characters

A 3-letter ISO 4217 currency code.

value


        integer<int64>

Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

refunds


        array

A list of refunds for a card transfer.

Show child attributes

amount


        object

An integer value representing money in a specific currency.

Show child attributes

currency


        string

<=3 characters

A 3-letter ISO 4217 currency code.

value


        integer<int64>

Quantity in the smallest unit of the specified currency. In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

cardDetails


        object

Show child attributes

status


        string<enum>

required

Status of the refund.

Possible values: initiated, confirmed, settled, failed, completed

completedOn


        string<date-time>

<=24 characters

confirmedOn


        string<date-time>

<=24 characters

failedOn


        string<date-time>

<=24 characters

failureCode


        string<enum>

initiatedOn


        string<date-time>

<=24 characters

settledOn


        string<date-time>

<=24 characters

createdOn


        string<date-time>

<=24 characters

refundID


        string<uuid>

<=36 characters

UUID

status


        string<enum>

Possible values: created, pending, completed, failed

updatedOn


        string<date-time>

<=24 characters

scheduleID


        string<uuid>

<=36 characters

Optional UUID

source


        object

Show child attributes

account


        object

required

Show child attributes

accountID


        string<uuid>

<=36 characters required

ID of account.

displayName


        string

<=64 characters required

email


        string<email>

<=255 characters required

Email address.

paymentMethodID


        string<uuid>

<=36 characters required

UUID

paymentMethodType


        string<enum>

required

The payment method type that represents a payment rail and directionality

Possible values: moov-wallet, ach-debit-fund, ach-debit-collect, ach-credit-standard, ach-credit-same-day, rtp-credit, card-payment, apple-pay, push-to-card, pull-from-card

achDetails


        object

ACH specific details about the transaction.

Show child attributes

companyEntryDescription


        string

[4 to 10] characters

An optional override of the default NACHA company entry description for a transfer.

completedOn


        string<date-time>

<=24 characters

correctedOn


        string<date-time>

<=24 characters

correction


        object

Show child attributes

code


        string

description


        string

reason


        string

debitHoldPeriod


        string<enum><enum>

An optional override of your default ACH hold period in banking days. The hold period must be longer than or equal to your default setting.

Possible values: no-hold, 1-day, 2-days

initiatedOn


        string<date-time>

<=24 characters

originatedOn


        string<date-time>

<=24 characters

originatingCompanyName


        string

[4 to 16] characters

An optional override of the default NACHA company name for a transfer.

return


        object

Show child attributes

code


        string

description


        string

reason


        string

returnedOn


        string<date-time>

<=24 characters

secCode


        string<enum>

Code used to identify the ACH authorization method.

Possible values: WEB, PPD, CCD, TEL

status


        string<enum>

required

Status of the ACH lifecycle.

Possible values: initiated, originated, corrected, returned, completed

traceNumber


        string

<=15 characters required

debitHoldPeriod


        string<enum><enum>

An optional override of your default ACH hold period in banking days. The hold period must be longer than or equal to your default setting.

Possible values: no-hold, 1-day, 2-days

applePay


        object

Describes an Apple Pay token on a Moov account.

Show child attributes

brand


        string<enum>

The card brand.

Possible values: American Express, Discover, Mastercard, Visa

cardDisplayName


        string

User-friendly name of the tokenized card returned by Apple. It usually contains the brand and the last four digits of the underlying card for example, “Visa 1256”. There is no standard format.

cardType


        string<enum>

The type of the card.

Possible values: debit, credit, prepaid, unknown

dynamicLastFour


        string

The last four digits of the Apple Pay token, which may differ from the tokenized card’s last four digits

expiration


        object

The expiration date of the card or token.

Show child attributes

month


        string

2 characters

year


        string

2 characters

fingerprint


        string

<=100 characters

issuerCountry


        string

Country where the underlying card was issued.

bankAccount


        object

Describes a bank account on a Moov account.

Show child attributes

bankAccountID


        string<uuid>

<=36 characters

UUID

bankAccountType


        string<enum>

The bank account type.

Possible values: checking, savings, general-ledger, loan

bankName


        string

exceptionDetails


        object

Reason for, and details related to, an errored or verificationFailed bank account status.

Show child attributes

achReturnCode


        string<enum>

The return code of an ACH transaction that caused the bank account status to change.

Codes:

R02 - Account Closed
R03 - No Account/Unable to Locate Account
R04 - Invalid Account Number
R05 - Improper Debit to Consumer Account
R07 - Authorization Revoked by Customer
R08 - Payment Stopped
R10 - Customer Advises Originator is Not Known or Authorized to Receiver and
R11 - Customer Advises Entry Not in Accordance with the Terms of the Authorization
R12 - Branch Sold to Another DFI
R13 - RDFI not qualified to participate
R14 - Representative payee deceased or unable to continue in that capacity
R15 - Beneficiary or bank account holder
R16 - Bank account frozen
R17 - Entry with Invalid Account Number Initiated Under Questionable Circumstances
R20 - Non-payment bank account
R23 - Credit entry refused by receiver
R29 - Corporate customer advises not authorized
R34 - Limited participation RDFI
R38 - Stop Payment on Source Document (Adjustment Entry)
R39 - Improper Source Document

Possible values: R02, R03, R04, R05, R07, R08, R10, R11, R12, R13, R14, R15, R16, R17, R20, R23, R29, R34, R38, R39

description


        string

Details related to an errored or verificationFailed bank account status.

rtpRejectionCode


        string<enum>

The rejection code of an RTP transaction that caused the bank account status to change.

Codes:

AC03 - Account Invalid
AC04 - Account Closed
AC06 - Account Blocked
AC14 - Creditor Account Type Invalid
AG01 - Transactions Forbidden On Account
AG03 - Transaction Type Not Supported
MD07 - Customer Deceased

Possible values: AC03, AC04, AC06, AC14, AG01, AG03, MD07

fingerprint


        string

<=100 characters

Once the bank account is linked, we don’t reveal the full bank account number. The fingerprint acts as a way to identify whether two linked bank accounts are the same.

holderName


        string

holderType


        string<enum>

The type of holder on a funding source.

Possible values: individual, business

lastFourAccountNumber


        string

paymentMethods


        array

Includes any payment methods generated for a newly created bank account, removing the need to call the List Payment Methods endpoint following a successful Create BankAccount request.

NOTE: This field is only populated for Create BankAccount requests made with the X-Wait-For header.

Show child attributes

paymentMethodID


        string<uuid>

<=36 characters

UUID

paymentMethodType


        string<enum>

The payment method type that represents a payment rail and directionality

Possible values: moov-wallet, ach-debit-fund, ach-debit-collect, ach-credit-standard, ach-credit-same-day, rtp-credit, card-payment, apple-pay, push-to-card, pull-from-card

routingNumber


        string

status


        string<enum>

The bank account status.

Possible values: new, verified, verificationFailed, pending, errored

statusReason


        string<enum>

The reason the bank account status changed to the current value.

updatedOn


        string<date-time>

<=24 characters

card


        object

Describes a card on a Moov account.

Show child attributes

billingAddress


        object

Show child attributes

addressLine1


        string

<=60 characters required

city


        string

<=24 characters required

country


        string

<=2 characters required

postalCode


        string

[1 to 10] characters required

stateOrProvince


        string

<=2 characters required

addressLine2


        string

<=32 characters

bin


        string

The first six to eight digits of the card number, which identifies the financial institution that issued the card.

brand


              string

The card brand.

Possible values: American Express, Discover, Mastercard, Visa

cardAccountUpdater


        object

The results of the most recent card update request.

Show child attributes

updateType


        string<enum>

The results of the card update request.

Possible values: unspecified, account-closed, contact-cardholder, expiration-update, no-change, no-match, number-update

updatedOn


        string<date-time>

<=24 characters

cardCategory


        string

The category or level of the card defined by the issuer. Examples include, but not limited to “REWARDS”, “TRADITIONAL REWARDS”, “CLASSIC”, and “CORPORATE PURCHASING”.

cardID


        string<uuid>

<=36 characters

UUID

cardOnFile


        boolean

Indicates cardholder has authorized card to be stored for future payments.

cardType


        string<enum>

The type of the card.

Possible values: debit, credit, prepaid, unknown

cardVerification


              object

The results of submitting cardholder data to a card network for verification.

Show child attributes

accountName


              object

The results of submitting cardholder name to a card network for verification.

Show child attributes

firstName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

fullName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

lastName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

middleName


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

addressLine1


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

cvv


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

postalCode


              string

Possible values: noMatch, match, notChecked, unavailable, partialMatch

commercial


        boolean

If true, the card is for commercial use, or associated with a business. If false, the card is associated with a general consumer.

domesticPullFromCard


              string

Indicates if the card supports domestic pull-from-card transfer.

Possible values: not-supported, supported, unknown

domesticPushToCard


              string

Indicates which level of domestic push-to-card transfer is supported by the card, if any.

Possible values: not-supported, standard, fast-funds, unknown

expiration


        object

The expiration date of the card or token.

Show child attributes

month


        string

2 characters

year


        string

2 characters

fingerprint


        string

<=100 characters

holderName


        string

The name of the cardholder as it appears on the card.

issuer


        string

Financial institution that issued the card.

issuerCountry


        string

Country where the card was issued.

issuerPhone


        string

Phone number of the issuer.

issuerURL


        string

URL of the issuer.

lastFourCardNumber


        string

Last four digits of the card number

merchantAccountID


        string<uuid>

ID of the Moov account acting as a merchant or other entity authorized to store the card. Defaults to your platform account ID if cardOnFile is set to true and no other account is provided.

paymentMethods


        array

Includes any payment methods generated for a newly linked card, removing the need to call the List Payment Methods endpoint following a successful Link Card request.

NOTE: This field is only populated for Link Card requests made with the X-Wait-For header.

Show child attributes

paymentMethodID


        string<uuid>

<=36 characters

UUID

paymentMethodType


        string<enum>

The payment method type that represents a payment rail and directionality

Possible values: moov-wallet, ach-debit-fund, ach-debit-collect, ach-credit-standard, ach-credit-same-day, rtp-credit, card-payment, apple-pay, push-to-card, pull-from-card

regulated


        boolean

cardDetails


        object

Card-specific details about the transaction.

Show child attributes

status


        string<enum>

required

Status for card payment lifecycle.

Possible values: initiated, confirmed, canceled, settled, failed, completed

canceledOn


        string<date-time>

<=24 characters

completedOn


        string<date-time>

<=24 characters

confirmedOn


        string<date-time>

<=24 characters

dynamicDescriptor


        string

[4 to 22] characters

An optional override of the default card statement descriptor for a transfer. Accounts must be enabled by Moov to set this field.

failedOn


        string<date-time>

<=24 characters

failureCode


        string<enum>

feeProgram


        string

The program assigned by the card network that determines the interchange rate for the transfer.

initiatedOn


        string<date-time>

<=24 characters

interchangeQualification


        string

deprecated

DEPRECATED - The program assigned by the card network that determines the interchange rate for the transfer.

settledOn


        string<date-time>

<=24 characters

transactionSource


        string<enum>

Specifies the nature and initiator of a transaction. Crucial for recurring and merchant-initiated transactions as per card scheme rules. Omit for customer-initiated e-commerce transactions.

first-recurring: Initial transaction in a recurring series or saving a card for future merchant-initiated charges
recurring: Regular, merchant-initiated scheduled transactions
unscheduled: Non-regular, merchant-initiated transactions like account top-ups

Possible values: first-recurring, recurring, unscheduled

transferID


        string<uuid>

<=36 characters

UUID

wallet


        object

A Moov wallet to store funds for transfers.

Show child attributes

walletID


        string<uuid>

<=36 characters

UUID

status


        string<enum>

Current status of a transfer.

Possible values: created, pending, completed, failed, reversed, queued, canceled

sweepID


        string<uuid>

<=36 characters

Optional UUID

transferID


        string<uuid>

<=36 characters

UUID

cURL Go JavaScript

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curl -X POST "https://api.moov.io/transfers" \
  -H "Authorization: Bearer {token}" \
  -H "X-Idempotency-Key: UUID" \
  -H "X-Wait-For: rail-response" \
  --data-raw '{
    "amount": {
      "value": 100,
      "currency": "USD"
    },
    "destination": {
      "paymentMethodID": "UUID"
    },
    "source": {
      "paymentMethodID": "UUID"
    },
    "description": "Optional transaction description."
  }'\

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mc, _ := moov.NewClient()

mc.CreateTransfer(ctx, moov.CreateTransfer{
  Amount: moov.Amount{
    Currency: "usd",
    Value:    100, // $1.00
  },
  Destination: moov.CreateTransfer_Destination{
    PaymentMethodID: "UUID",
  },
  Source: moov.CreateTransfer_Source{
    PaymentMethodID: "UUID",
  },
  Description: "Optional transaction description.",
})

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const moov = new Moov(credentialsObject);

const transfer = await moov.transfers.create({
  amount: {
    value: 100,
    currency: "USD"
  },
  destination: {
    paymentMethodID: "UUID"
  },
  source: {
    paymentMethodID: "UUID"
  },
  description: "Optional transaction description."
});

200 201 202 400 409 422 429

Successfully created a transfer.

{
  "createdOn": "2019-08-24T14:15:22Z",
  "transferID": "e23de6dd-5168-4e1d-894d-807fa691dc80"
}

A transfer was successfully created but an error occurred while generating the synchronous response. The asynchronous response object will be returned.

{
  "createdOn": "2019-08-24T14:15:22Z",
  "transferID": "e23de6dd-5168-4e1d-894d-807fa691dc80"
}

A transfer was successfully created but a timeout occurred while waiting for a synchronous response. Rail-specific details may be missing from the response object.

Details about the transfer.

{
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "completedOn": "2019-08-24T14:15:22Z",
  "createdOn": "2019-08-24T14:15:22Z",
  "description": "Pay Instructor for May 15 Class",
  "destination": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "rtpDetails": {
      "acceptedWithoutPostingOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "processing-error",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "networkResponseCode": "string",
      "status": "initiated"
    },
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "disputedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "disputes": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "disputeID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  ],
  "facilitatorFee": {
    "markup": 0,
    "markupDecimal": "0.987654321",
    "total": 0,
    "totalDecimal": "12.987654321"
  },
  "failureReason": "wallet-insufficient-funds",
  "groupID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "metadata": {
    "property1": "string",
    "property2": "string"
  },
  "moovFee": 0,
  "moovFeeDecimal": "0.987654321",
  "moovFeeDetails": {
    "cardScheme": "string",
    "discount": "string",
    "interchange": "string",
    "moovProcessing": "string"
  },
  "occurrenceID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "refundedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "refunds": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "cardDetails": {
        "completedOn": "2019-08-24T14:15:22Z",
        "confirmedOn": "2019-08-24T14:15:22Z",
        "failedOn": "2019-08-24T14:15:22Z",
        "failureCode": "call-issuer",
        "initiatedOn": "2019-08-24T14:15:22Z",
        "settledOn": "2019-08-24T14:15:22Z",
        "status": "initiated"
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "refundID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "status": "failed",
      "updatedOn": "2019-08-24T14:15:22Z"
    }
  ],
  "scheduleID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "source": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "status": "pending",
  "sweepID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
}

Invalid request, an error message will be available in the response body.

Response for http requests that failed

{
  "error": "example error message"
}

Attempted to create a transfer using a duplicate X-Idempotency-Key header.

Details about the transfer.

{
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "completedOn": "2019-08-24T14:15:22Z",
  "createdOn": "2019-08-24T14:15:22Z",
  "description": "Pay Instructor for May 15 Class",
  "destination": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "rtpDetails": {
      "acceptedWithoutPostingOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "processing-error",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "networkResponseCode": "string",
      "status": "initiated"
    },
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "disputedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "disputes": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "disputeID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  ],
  "facilitatorFee": {
    "markup": 0,
    "markupDecimal": "0.987654321",
    "total": 0,
    "totalDecimal": "12.987654321"
  },
  "failureReason": "wallet-insufficient-funds",
  "groupID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "metadata": {
    "property1": "string",
    "property2": "string"
  },
  "moovFee": 0,
  "moovFeeDecimal": "0.987654321",
  "moovFeeDetails": {
    "cardScheme": "string",
    "discount": "string",
    "interchange": "string",
    "moovProcessing": "string"
  },
  "occurrenceID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "refundedAmount": {
    "currency": "USD",
    "value": 1204
  },
  "refunds": [
    {
      "amount": {
        "currency": "USD",
        "value": 1204
      },
      "cardDetails": {
        "completedOn": "2019-08-24T14:15:22Z",
        "confirmedOn": "2019-08-24T14:15:22Z",
        "failedOn": "2019-08-24T14:15:22Z",
        "failureCode": "call-issuer",
        "initiatedOn": "2019-08-24T14:15:22Z",
        "settledOn": "2019-08-24T14:15:22Z",
        "status": "initiated"
      },
      "createdOn": "2019-08-24T14:15:22Z",
      "refundID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "status": "failed",
      "updatedOn": "2019-08-24T14:15:22Z"
    }
  ],
  "scheduleID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "source": {
    "account": {
      "accountID": "3dfff852-927d-47e8-822c-2fffc57ff6b9",
      "displayName": "Whole Body Fitness",
      "email": "amanda@classbooker.dev"
    },
    "achDetails": {
      "companyEntryDescription": "Gym Dues",
      "completedOn": "2019-08-24T14:15:22Z",
      "correctedOn": "2019-08-24T14:15:22Z",
      "correction": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "debitHoldPeriod": "2-days",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "originatedOn": "2019-08-24T14:15:22Z",
      "originatingCompanyName": "Whole Body Fit",
      "return": {
        "code": "string",
        "description": "string",
        "reason": "string"
      },
      "returnedOn": "2019-08-24T14:15:22Z",
      "secCode": "WEB",
      "status": "initiated",
      "traceNumber": "124782618117"
    },
    "applePay": {
      "brand": "Discover",
      "cardDisplayName": "Visa 1234",
      "cardType": "debit",
      "dynamicLastFour": "1234",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "issuerCountry": "US"
    },
    "bankAccount": {
      "bankAccountID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "bankAccountType": "checking",
      "bankName": "Chase Bank",
      "exceptionDetails": {
        "achReturnCode": "R02",
        "description": "string",
        "rtpRejectionCode": "AC03"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "lastFourAccountNumber": "7000",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "ach-debit-fund"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "ach-debit-collect"
        }
      ],
      "routingNumber": "string",
      "status": "new",
      "statusReason": "bank-account-created",
      "updatedOn": "2019-08-24T14:15:22Z"
    },
    "card": {
      "billingAddress": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "country": "US",
        "postalCode": "80301-1234",
        "stateOrProvince": "CO"
      },
      "bin": "123456",
      "brand": "Discover",
      "cardAccountUpdater": {
        "updateType": "number-update",
        "updatedOn": "2019-08-24T14:15:22Z"
      },
      "cardCategory": "CLASSIC",
      "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
      "cardOnFile": true,
      "cardType": "debit",
      "cardVerification": {
        "accountName": {
          "firstName": "match",
          "fullName": "match",
          "lastName": "match",
          "middleName": "match"
        },
        "addressLine1": "match",
        "cvv": "match",
        "postalCode": "match"
      },
      "commercial": true,
      "domesticPullFromCard": "supported",
      "domesticPushToCard": "fast-funds",
      "expiration": {
        "month": "01",
        "year": "21"
      },
      "fingerprint": "9948962d92a1ce40c9f918cd9ece3a22bde62fb325a2f1fe2e833969de672ba3",
      "holderName": "Jules Jackson",
      "issuer": "GRINGOTTS BANK",
      "issuerCountry": "US",
      "issuerPhone": "8185551212",
      "issuerURL": "HTTPS://WWW.EXAMPLE.COM/",
      "lastFourCardNumber": "1234",
      "merchantAccountID": "50469144-f859-46dc-bdbd-9587c2fa7b42",
      "paymentMethods": [
        {
          "paymentMethodID": "9506dbf6-4208-44c3-ad8a-e4431660e1f2",
          "paymentMethodType": "card-payment"
        },
        {
          "paymentMethodID": "3f9969cf-a1f3-4d83-8ddc-229a506651cf",
          "paymentMethodType": "push-to-card"
        }
      ],
      "regulated": true
    },
    "cardDetails": {
      "canceledOn": "2019-08-24T14:15:22Z",
      "completedOn": "2019-08-24T14:15:22Z",
      "confirmedOn": "2019-08-24T14:15:22Z",
      "dynamicDescriptor": "WhlBdy *Yoga 11-12",
      "failedOn": "2019-08-24T14:15:22Z",
      "failureCode": "call-issuer",
      "feeProgram": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "initiatedOn": "2019-08-24T14:15:22Z",
      "interchangeQualification": "Visa Signature and Visa Infinite (Spend not-qualified) Product 1",
      "settledOn": "2019-08-24T14:15:22Z",
      "status": "initiated",
      "transactionSource": "first-recurring"
    },
    "paymentMethodID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "paymentMethodType": "moov-wallet",
    "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
    "wallet": {
      "walletID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
    }
  },
  "status": "pending",
  "sweepID": "f5f47bfa-fa5a-41f4-99eb-8671c1875b3f",
  "transferID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43"
}

The request body could not be processed.

Request was refused due to rate limiting.

Retry-After


      number

Create a transfer

Response headers