Transfer (beta)

API reference for Transfer endpoints and webhooks

Intelligently process transfers between accounts in the US.

Only supported in Plaid's Sandbox and Production environments.

Endpoints
/transfer/authorization/createCreate a transfer authorization
/transfer/capabilities/getDetermine RTP eligibility for a Plaid Item
/transfer/configuration/getGet transfer product configuration
/transfer/createCreate a transfer
/transfer/cancelCancel a transfer
/transfer/getRetrieve information about a transfer
/transfer/listRetrieve a list of transfers and their statuses
/transfer/metrics/getGet transfer product usage metrics
/transfer/event/listRetrieve a list of transfer events
/transfer/event/syncSync transfer events
/transfer/sweep/getRetrieve information about a sweep
/transfer/sweep/listRetrieve a list of sweeps
/transfer/intent/createCreate a transfer intent and invoke Transfer UI (Transfer UI only)
/transfer/intent/getRetrieve information about a transfer intent (Transfer UI only)
/transfer/recurring/createCreate a recurring transfer
/transfer/recurring/cancelCancel a recurring transfer
/transfer/recurring/getRetrieve information about a recurring transfer
/transfer/recurring/listRetrieve a list of recurring transfers
/transfer/refund/createCreate a refund for a transfer
/transfer/refund/cancelCancel a refund
/transfer/refund/getRetrieve information about a refund
/transfer/migrate_accountCreate an Item to use with Transfer from known account and routing numbers
/payment_profile/createCreate a Payment Profile
/payment_profile/removeRemove a Payment Profile
/payment_profile/getRetrieve the status of a Payment Profile
/transfer/originator/createCreate a new originator
/transfer/originator/getGet the status of an originator's onboarding
/transfer/originator/listGet the status of all originators' onboarding
/transfer/questionnaire/createGenerate a Plaid-hosted onboarding UI URL
See also
/sandbox/payment_profile/reset_loginSimulate a Payment Profile login invalidation
/sandbox/transfer/simulateSimulate a transfer event (Sandbox only)
/sandbox/transfer/sweep/simulateSimulate creating a sweep (Sandbox only)
/sandbox/transfer/fire_webhookSimulate a transfer webhook (Sandbox only)
/sandbox/transfer/test_clock/createCreate a test clock (Sandbox only)
/sandbox/transfer/test_clock/advanceAdvance a test clock (Sandbox only)
/sandbox/transfer/test_clock/getRetrieve information about a test clock (Sandbox only)
/sandbox/transfer/test_clock/listRetrieve a list of test clocks (Sandbox only)
Webhooks
TRANSFER_EVENTS_UPDATENew transfer events available
RECURRING_CANCELLEDA recurring transfer has been cancelled by Plaid
RECURRING_NEW_TRANSFERA new transfer of a recurring transfer has been originated
RECURRING_TRANSFER_SKIPPEDAn instance of a scheduled recurring transfer could not be created

Endpoints

/transfer/authorization/create

Create a transfer authorization

Use the /transfer/authorization/create endpoint to determine transfer failure risk.
In Plaid's Sandbox environment the decisions will be returned as follows:
- To approve a transfer with null rationale code, make an authorization request with an amount less than the available balance in the account.
- To approve a transfer with the rationale code MANUALLY_VERIFIED_ITEM, create an Item in Link through the Same Day Micro-deposits flow.
- To approve a transfer with the rationale code ITEM_LOGIN_REQUIRED, reset the login for an Item.
- To decline a transfer with the rationale code NSF, the available balance on the account must be less than the authorization amount. See Create Sandbox test data for details on how to customize data in Sandbox.
- To decline a transfer with the rationale code RISK, the available balance on the account must be exactly $0. See Create Sandbox test data for details on how to customize data in Sandbox.
device.ip_address, device.user_agent are required fields.
For Guarantee, the following fields are required : idempotency_key, user.phone_number (optional if email_address provided), user.email_address (optional if phone_number provided), device.ip_address, device.user_agent, and user_present.

transfer/authorization/create

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
access_token
string
The Plaid access_token for the account that will be debited or credited. Required if not using payment_profile_token.
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited. Returned only if account_id was set on intent creation.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited. Defaults to the account configured during onboarding.
payment_profile_token
string
The payment profile token associated with the Payment Profile that will be debited or credited. Required if not using access_token.
type
requiredstring
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
network
requiredstring
The network or rails used for the transfer.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach, rtp
amount
requiredstring
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
user
requiredobject
The legal name and other information for the account holder.
legal_name
requiredstring
The user's legal name.
phone_number
string
The user's phone number. In order to qualify for a guaranteed transfer, at least one of phone_number or email_address must be provided.
email_address
string
The user's email address. In order to qualify for a guaranteed transfer, at least one of phone_number or email_address must be provided.
address
object
The address associated with the account holder. Providing this data will improve the likelihood that Plaid will be able to guarantee the transfer, if applicable.
street
string
The street number and name (i.e., "100 Market St.").
city
string
Ex. "San Francisco"
region
string
The state or province (e.g., "CA").
postal_code
string
The postal code (e.g., "94103").
country
string
A two-letter country code (e.g., "US").
device
object
Information about the device being used to initiate the authorization.
ip_address
string
The IP address of the device being used to initiate the authorization. Required for Guarantee.
user_agent
string
The user agent of the device being used to initiate the authorization. Required for Guarantee.
iso_currency_code
string
The currency of the transfer amount. The default value is "USD".
idempotency_key
string
A random key provided by the client, per unique authorization. Maximum of 50 characters.
The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. For example, if a request to create an authorization fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single authorization is created.
Failure to provide this key may result in duplicate charges.
Required for guaranteed ACH customers.

Max length: 50
user_present
boolean
Required for Guarantee. If the end user is initiating the specific transfer themselves via an interactive UI, this should be true; for automatic recurring payments where the end user is not actually initiating each individual transfer, it should be false.
with_guarantee
boolean
If set to false, Plaid will not offer a guarantee_decision for this request(Guarantee customers only).

Default: true
beacon_session_id
string
The unique identifier returned by Plaid's beacon when it is run on your webpage. Required for Guarantee customers who are not using Transfer UI and have a web checkout experience.
originator_client_id
string
The Plaid client ID that is the originator of this transfer. Only needed if creating transfers on behalf of another client as a third-party sender (TPS).
1const request: TransferAuthorizationCreateRequest = {
2  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
3  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
4  type: 'credit',
5  network: 'ach',
6  amount: '12.34',
7  ach_class: 'ppd',
8  user: {
9    legal_name: 'Anne Charleston',
10  },
11};
12
13try {
14  const response = await client.transferAuthorizationCreate(request);
15  const authorizationId = response.data.authorization.id;
16} catch (error) {
17  // handle error
18}
transfer/authorization/create

Response fields and example

authorization
object
Contains the authorization decision for a proposed transfer.
id
string
Plaid’s unique identifier for a transfer authorization.
created
string
The datetime representing when the authorization was created, in the format 2006-01-02T15:04:05Z.

Format: date-time
decision
string
A decision regarding the proposed transfer.
approved – The proposed transfer has received the end user's consent and has been approved for processing by Plaid. The decision_rationale field is set if Plaid was unable to fetch the account information. You may proceed with the transfer, but further review is recommended (i.e., use Link in update to re-authenticate your user when decision_rationale.code is ITEM_LOGIN_REQUIRED). Refer to the code field in the decision_rationale object for details.
declined – Plaid reviewed the proposed transfer and declined processing. Refer to the code field in the decision_rationale object for details.

Possible values: approved, declined
decision_rationale
nullableobject
The rationale for Plaid's decision regarding a proposed transfer. It is always set for declined decisions, and may or may not be null for approved decisions.
code
string
A code representing the rationale for approving or declining the proposed transfer. Possible values are:
MANUALLY_VERIFIED_ITEM – Item created via same-day micro deposits, limited information available. Plaid will offer approved as a transaction decision.
ITEM_LOGIN_REQUIRED – Unable to collect the account information due to Item staleness. Can be rectified using Link in update mode. Plaid will offer approved as a transaction decision.
PAYMENT_PROFILE_LOGIN_REQUIRED - Unable to collect the account information due to invalid login when using Payment Profiles. Can be rectified using update mode for Payment Profile. Plaid will offer approved as a transaction decision.
ERROR – Unable to collect the account information due to an error. Plaid will offer approved as a transaction decision.
NSF – Transaction likely to result in a return due to insufficient funds. Plaid will offer declined as a transaction decision.
RISK - Transaction is high-risk. Plaid will offer declined as a transaction decision.
TRANSFER_LIMIT_REACHED - One or several transfer limits are reached, e.g. monthly transfer limit. Plaid will offer declined as a transaction decision.
MIGRATED_ACCOUNT_ITEM - Item created via /transfer/account_migration endpoint, limited information available. Plaid will offer approved as a transaction decision.

Possible values: NSF, RISK, TRANSFER_LIMIT_REACHED, MANUALLY_VERIFIED_ITEM, ITEM_LOGIN_REQUIRED, PAYMENT_PROFILE_LOGIN_REQUIRED, ERROR, MIGRATED_ACCOUNT_ITEM
description
string
A human-readable description of the code associated with a transfer approval or transfer decline.
guarantee_decision
nullablestring
Indicates whether the transfer is guaranteed by Plaid (Guarantee customers only). This field will contain either GUARANTEED or NOT_GUARANTEED indicating whether Plaid will guarantee the transfer. If the transfer is not guaranteed, additional information will be provided in the guarantee_decision_rationale field. Refer to the code field in guarantee_decision_rationale for details.

Possible values: GUARANTEED, NOT_GUARANTEED, null
guarantee_decision_rationale
nullableobject
The rationale for Plaid's decision to not guarantee a transfer. Will be null unless guarantee_decision is NOT_GUARANTEED.
code
string
A code representing the reason Plaid declined to guarantee this transfer:
RETURN_BANK: The risk of a bank-initiated return (for example, an R01/NSF) is too high to guarantee this transfer.
RETURN_CUSTOMER: The risk of a customer-initiated return (for example, a R10/Unauthorized) is too high to guarantee this transfer.
GUARANTEE_LIMIT_REACHED: This transfer is low-risk, but Guarantee has exhausted an internal limit on the number or rate of guarantees that applies to this transfer.
RISK_ESTIMATE_UNAVAILABLE: A risk estimate is unavailable for this Item.
REQUIRED_PARAM_MISSING: Required fields are missing.

Possible values: RETURN_BANK, RETURN_CUSTOMER, GUARANTEE_LIMIT_REACHED, RISK_ESTIMATE_UNAVAILABLE, REQUIRED_PARAM_MISSING
description
string
A human-readable description of why the transfer cannot be guaranteed.
proposed_transfer
object
Details regarding the proposed transfer.
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
account_id
string
The Plaid account_id for the account that will be debited or credited.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring
The user's email address.
address
nullableobject
The address associated with the account holder.
street
nullablestring
The street number and name (i.e., "100 Market St.").
city
nullablestring
Ex. "San Francisco"
region
nullablestring
The state or province (e.g., "CA").
postal_code
nullablestring
The postal code (e.g., "94103").
country
nullablestring
A two-letter country code (e.g., "US").
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
network
string
The network or rails used for the transfer.
iso_currency_code
string
The currency of the transfer amount. The default value is "USD".
originator_client_id
nullablestring
The Plaid client ID that is the originator of this transfer. Only present if created on behalf of another client as a third-party sender (TPS).
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "authorization": {
3    "id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
4    "created": "2020-08-06T17:27:15Z",
5    "decision": "approved",
6    "decision_rationale": null,
7    "guarantee_decision": "GUARANTEED",
8    "guarantee_decision_rationale": null,
9    "proposed_transfer": {
10      "ach_class": "ppd",
11      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
12      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
13      "type": "credit",
14      "user": {
15        "legal_name": "Anne Charleston",
16        "phone_number": "510-555-0128",
17        "email_address": "acharleston@email.com",
18        "address": {
19          "street": "123 Main St.",
20          "city": "San Francisco",
21          "region": "CA",
22          "postal_code": "94053",
23          "country": "US"
24        }
25      },
26      "amount": "12.34",
27      "network": "ach",
28      "iso_currency_code": "USD",
29      "origination_account_id": "",
30      "originator_client_id": null
31    }
32  },
33  "request_id": "saKrIBuEB9qJZno"
34}

/transfer/capabilities/get

Get RTP eligibility information of a transfer

Use the /transfer/capabilities/get endpoint to determine the RTP eligibility information of a transfer.

transfer/capabilities/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
access_token
string
The Plaid access_token for the account that will be debited or credited. Required if not using payment_profile_token.
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited. Returned only if account_id was set on intent creation.
payment_profile_token
string
A payment profile token associated with the Payment Profile data that is being requested.
1const request: TransferCapabilitiesGetRequest = {
2  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
3  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
4};
5
6try {
7  const response = await client.transferAuthorizationCreate(request);
8  const authorizationId = response.data.authorization.id;
9} catch (error) {
10  // handle error
11}
transfer/capabilities/get

Response fields and example

institution_supported_networks
object
Contains the RTP network and types supported by the linked Item's institution.
rtp
object
Contains the supported service types in RTP
credit
boolean
When true, the linked Item's institution supports RTP credit transfer.

Default: false
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "institution_supported_networks": {
3    "rtp": {
4      "credit": true
5    }
6  },
7  "request_id": "saKrIBuEB9qJZno"
8}

/transfer/configuration/get

Get transfer product configuration

Use the /transfer/configuration/get endpoint to view your transfer product configurations.

transfer/configuration/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
originator_client_id
string
The Plaid client ID of the transfer originator. Should only be present if client_id is a third-party sender (TPS).
1const request: TransferConfigurationGetRequest = {
2  client_id: '6a65dh3d1h0d1027121ak184',
3  originator_client_id: '61b8f48ded273e001aa8db6d'
4};
5
6try {
7  const response = await client.transferConfigurationGet(request);
8} catch (error) {
9  // handle error
10}
transfer/configuration/get

Response fields and example

request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
max_single_transfer_amount
string
The max limit of dollar amount of a single transfer (decimal string with two digits of precision e.g. "10.00").
max_daily_credit_amount
string
The max limit of sum of dollar amount of credit transfers in last 24 hours (decimal string with two digits of precision e.g. "10.00").
max_daily_debit_amount
string
The max limit of sum of dollar amount of debit transfers in last 24 hours (decimal string with two digits of precision e.g. "10.00").
max_monthly_amount
string
The max limit of sum of dollar amount of credit and debit transfers in one calendar month (decimal string with two digits of precision e.g. "10.00").
iso_currency_code
string
The currency of the dollar amount, e.g. "USD".
1{
2  "max_single_transfer_amount": "1000.00",
3  "max_daily_credit_amount": "50000.00",
4  "max_daily_debit_amount": "50000.00",
5  "max_monthly_amount": "500000.00",
6  "iso_currency_code": "USD",
7  "request_id": "saKrIBuEB9qJZno"
8}

/transfer/create

Create a transfer

Use the /transfer/create endpoint to initiate a new transfer.

transfer/create

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
access_token
string
The Plaid access_token for the account that will be debited or credited. Required if not using payment_profile_token.
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited. Returned only if account_id was set on intent creation.
payment_profile_token
string
The payment profile token associated with the Payment Profile that will be debited or credited. Required if not using access_token.
authorization_id
requiredstring
Plaid’s unique identifier for a transfer authorization. This parameter also serves the purpose of acting as an idempotency identifier.
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
description
requiredstring
The transfer description. Maximum of 10 characters.

Max length: 10
metadata
object
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
1const request: TransferCreateRequest = {
2  amount: '12.34',
3  description: 'payment',
4  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
5  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
6  authorization_id: '231h012308h3101z21909sw',
7};
8try {
9  const response = await client.transferCreate(request);
10  const transfer = response.data.transfer;
11} catch (error) {
12  // handle error
13}
transfer/create

Response fields and example

transfer
object
Represents a transfer within the Transfers API.
id
string
Plaid’s unique identifier for a transfer.
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring
The user's email address.
address
nullableobject
The address associated with the account holder.
street
nullablestring
The street number and name (i.e., "100 Market St.").
city
nullablestring
Ex. "San Francisco"
region
nullablestring
The state or province (e.g., "CA").
postal_code
nullablestring
The postal code (e.g., "94103").
country
nullablestring
A two-letter country code (e.g., "US").
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
description
string
The description of the transfer.
created
string
The datetime when this transfer was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
status
string
The status of the transfer.
pending: A new transfer was created; it is in the pending state. posted: The transfer has been successfully submitted to the payment network. settled: Credits are available to be withdrawn or debits have been deducted from the Plaid linked account. cancelled: The transfer was cancelled by the client. failed: The transfer failed, no funds were moved. returned: A posted transfer was returned.

Possible values: pending, posted, settled, cancelled, failed, returned
sweep_status
nullablestring
The status of the sweep for the transfer.
unswept: The transfer hasn't been swept yet. swept: The transfer was swept to the sweep account. swept_settled: Credits are available to be withdrawn or debits have been deducted from the customer’s business checking account. return_swept: The transfer was returned, funds were pulled back or pushed back to the sweep account. null: The transfer will never be swept (e.g. if the transfer is cancelled or returned before being swept)

Possible values: null, unswept, swept, swept_settled, return_swept
network
string
The network or rails used for the transfer.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach, rtp
cancellable
boolean
When true, you can still cancel this transfer.
failure_reason
nullableobject
The failure reason if the event type for a transfer is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
metadata
nullableobject
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
guarantee_decision
nullablestring
Indicates whether the transfer is guaranteed by Plaid (Guarantee customers only). This field will contain either GUARANTEED or NOT_GUARANTEED indicating whether Plaid will guarantee the transfer. If the transfer is not guaranteed, additional information will be provided in the guarantee_decision_rationale field. Refer to the code field in guarantee_decision_rationale for details.

Possible values: GUARANTEED, NOT_GUARANTEED, null
guarantee_decision_rationale
nullableobject
The rationale for Plaid's decision to not guarantee a transfer. Will be null unless guarantee_decision is NOT_GUARANTEED.
code
string
A code representing the reason Plaid declined to guarantee this transfer:
RETURN_BANK: The risk of a bank-initiated return (for example, an R01/NSF) is too high to guarantee this transfer.
RETURN_CUSTOMER: The risk of a customer-initiated return (for example, a R10/Unauthorized) is too high to guarantee this transfer.
GUARANTEE_LIMIT_REACHED: This transfer is low-risk, but Guarantee has exhausted an internal limit on the number or rate of guarantees that applies to this transfer.
RISK_ESTIMATE_UNAVAILABLE: A risk estimate is unavailable for this Item.
REQUIRED_PARAM_MISSING: Required fields are missing.

Possible values: RETURN_BANK, RETURN_CUSTOMER, GUARANTEE_LIMIT_REACHED, RISK_ESTIMATE_UNAVAILABLE, REQUIRED_PARAM_MISSING
description
string
A human-readable description of why the transfer cannot be guaranteed.
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
standard_return_window
nullablestring
The date 3 business days from settlement date indicating the following ACH returns can no longer happen: R01, R02, R03, R29. This will be of the form YYYY-MM-DD.

Format: date
unauthorized_return_window
nullablestring
The date 61 business days from settlement date indicating the following ACH returns can no longer happen: R05, R07, R10, R11, R51, R33, R37, R38, R51, R52, R53. This will be of the form YYYY-MM-DD.

Format: date
expected_settlement_date
nullablestring
An estimation of the settlement date which can be useful when the transfer is pending. Only set for ACH transfers and is null for non-ACH transfers. This will be of the form YYYY-MM-DD.

Format: date
originator_client_id
nullablestring
The Plaid client ID that is the originator of this transfer. Only present if created on behalf of another client as a third-party sender (TPS).
refunds
[object]
A list of refunds associated with this transfer.
id
string
Plaid’s unique identifier for a refund.
transfer_id
string
The ID of the transfer to refund.
amount
string
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
status
string
The status of the refund.
pending: A new refund was created; it is in the pending state. posted: The refund has been successfully submitted to the payment network. cancelled: The refund was cancelled by the client. failed: The refund failed or was returned.

Possible values: pending, posted, cancelled, failed
created
string
The datetime when this refund was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
recurring_transfer_id
nullablestring
The id of the recurring transfer if this transfer belongs to a recurring transfer.
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfer": {
3    "id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
4    "ach_class": "ppd",
5    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
6    "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
7    "type": "credit",
8    "user": {
9      "legal_name": "Anne Charleston",
10      "phone_number": "510-555-0128",
11      "email_address": "acharleston@email.com",
12      "address": {
13        "street": "123 Main St.",
14        "city": "San Francisco",
15        "region": "CA",
16        "postal_code": "94053",
17        "country": "US"
18      }
19    },
20    "amount": "12.34",
21    "description": "payment",
22    "created": "2020-08-06T17:27:15Z",
23    "refunds": [],
24    "status": "pending",
25    "network": "ach",
26    "cancellable": true,
27    "guarantee_decision": "GUARANTEED",
28    "guarantee_decision_rationale": null,
29    "failure_reason": null,
30    "metadata": {
31      "key1": "value1",
32      "key2": "value2"
33    },
34    "origination_account_id": "",
35    "iso_currency_code": "USD",
36    "standard_return_window": "2020-08-07",
37    "unauthorized_return_window": "2020-10-07",
38    "expected_settlement_date": "2020-08-04",
39    "originator_client_id": "569ed2f36b3a3a021713abc1",
40    "recurring_transfer_id": null
41  },
42  "request_id": "saKrIBuEB9qJZno"
43}

/transfer/cancel

Cancel a transfer

Use the /transfer/cancel endpoint to cancel a transfer. A transfer is eligible for cancellation if the cancellable property returned by /transfer/get is true.

transfer/cancel

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
transfer_id
requiredstring
Plaid’s unique identifier for a transfer.
1const request: TransferCancelRequest = {
2  transfer_id: '123004561178933',
3};
4try {
5  const response = await plaidClient.transferCancel(request);
6  const request_id = response.data.request_id;
7} catch (error) {
8  // handle error
9}
transfer/cancel

Response fields and example

request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "request_id": "saKrIBuEB9qJZno"
3}

/transfer/get

Retrieve a transfer

The /transfer/get endpoint fetches information about the transfer corresponding to the given transfer_id.

transfer/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
transfer_id
requiredstring
Plaid’s unique identifier for a transfer.
1const request: TransferGetRequest = {
2  transfer_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3};
4try {
5  const response = await plaidClient.transferGet(request);
6  const transfer = response.data.transfer;
7} catch (error) {
8  // handle error
9}
transfer/get

Response fields and example

transfer
object
Represents a transfer within the Transfers API.
id
string
Plaid’s unique identifier for a transfer.
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring
The user's email address.
address
nullableobject
The address associated with the account holder.
street
nullablestring
The street number and name (i.e., "100 Market St.").
city
nullablestring
Ex. "San Francisco"
region
nullablestring
The state or province (e.g., "CA").
postal_code
nullablestring
The postal code (e.g., "94103").
country
nullablestring
A two-letter country code (e.g., "US").
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
description
string
The description of the transfer.
created
string
The datetime when this transfer was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
status
string
The status of the transfer.
pending: A new transfer was created; it is in the pending state. posted: The transfer has been successfully submitted to the payment network. settled: Credits are available to be withdrawn or debits have been deducted from the Plaid linked account. cancelled: The transfer was cancelled by the client. failed: The transfer failed, no funds were moved. returned: A posted transfer was returned.

Possible values: pending, posted, settled, cancelled, failed, returned
sweep_status
nullablestring
The status of the sweep for the transfer.
unswept: The transfer hasn't been swept yet. swept: The transfer was swept to the sweep account. swept_settled: Credits are available to be withdrawn or debits have been deducted from the customer’s business checking account. return_swept: The transfer was returned, funds were pulled back or pushed back to the sweep account. null: The transfer will never be swept (e.g. if the transfer is cancelled or returned before being swept)

Possible values: null, unswept, swept, swept_settled, return_swept
network
string
The network or rails used for the transfer.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach, rtp
cancellable
boolean
When true, you can still cancel this transfer.
failure_reason
nullableobject
The failure reason if the event type for a transfer is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
metadata
nullableobject
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
guarantee_decision
nullablestring
Indicates whether the transfer is guaranteed by Plaid (Guarantee customers only). This field will contain either GUARANTEED or NOT_GUARANTEED indicating whether Plaid will guarantee the transfer. If the transfer is not guaranteed, additional information will be provided in the guarantee_decision_rationale field. Refer to the code field in guarantee_decision_rationale for details.

Possible values: GUARANTEED, NOT_GUARANTEED, null
guarantee_decision_rationale
nullableobject
The rationale for Plaid's decision to not guarantee a transfer. Will be null unless guarantee_decision is NOT_GUARANTEED.
code
string
A code representing the reason Plaid declined to guarantee this transfer:
RETURN_BANK: The risk of a bank-initiated return (for example, an R01/NSF) is too high to guarantee this transfer.
RETURN_CUSTOMER: The risk of a customer-initiated return (for example, a R10/Unauthorized) is too high to guarantee this transfer.
GUARANTEE_LIMIT_REACHED: This transfer is low-risk, but Guarantee has exhausted an internal limit on the number or rate of guarantees that applies to this transfer.
RISK_ESTIMATE_UNAVAILABLE: A risk estimate is unavailable for this Item.
REQUIRED_PARAM_MISSING: Required fields are missing.

Possible values: RETURN_BANK, RETURN_CUSTOMER, GUARANTEE_LIMIT_REACHED, RISK_ESTIMATE_UNAVAILABLE, REQUIRED_PARAM_MISSING
description
string
A human-readable description of why the transfer cannot be guaranteed.
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
standard_return_window
nullablestring
The date 3 business days from settlement date indicating the following ACH returns can no longer happen: R01, R02, R03, R29. This will be of the form YYYY-MM-DD.

Format: date
unauthorized_return_window
nullablestring
The date 61 business days from settlement date indicating the following ACH returns can no longer happen: R05, R07, R10, R11, R51, R33, R37, R38, R51, R52, R53. This will be of the form YYYY-MM-DD.

Format: date
expected_settlement_date
nullablestring
An estimation of the settlement date which can be useful when the transfer is pending. Only set for ACH transfers and is null for non-ACH transfers. This will be of the form YYYY-MM-DD.

Format: date
originator_client_id
nullablestring
The Plaid client ID that is the originator of this transfer. Only present if created on behalf of another client as a third-party sender (TPS).
refunds
[object]
A list of refunds associated with this transfer.
id
string
Plaid’s unique identifier for a refund.
transfer_id
string
The ID of the transfer to refund.
amount
string
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
status
string
The status of the refund.
pending: A new refund was created; it is in the pending state. posted: The refund has been successfully submitted to the payment network. cancelled: The refund was cancelled by the client. failed: The refund failed or was returned.

Possible values: pending, posted, cancelled, failed
created
string
The datetime when this refund was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
recurring_transfer_id
nullablestring
The id of the recurring transfer if this transfer belongs to a recurring transfer.
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfer": {
3    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
4    "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
5    "ach_class": "ppd",
6    "amount": "12.34",
7    "cancellable": true,
8    "created": "2020-08-06T17:27:15Z",
9    "description": "Desc",
10    "guarantee_decision": null,
11    "guarantee_decision_rationale": null,
12    "failure_reason": {
13      "ach_return_code": "R13",
14      "description": "Invalid ACH routing number"
15    },
16    "id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
17    "metadata": {
18      "key1": "value1",
19      "key2": "value2"
20    },
21    "network": "ach",
22    "origination_account_id": "",
23    "originator_client_id": null,
24    "refunds": [],
25    "status": "pending",
26    "type": "credit",
27    "iso_currency_code": "USD",
28    "standard_return_window": "2020-08-07",
29    "unauthorized_return_window": "2020-10-07",
30    "expected_settlement_date": "2020-08-04",
31    "user": {
32      "email_address": "acharleston@email.com",
33      "legal_name": "Anne Charleston",
34      "phone_number": "510-555-0128",
35      "address": {
36        "street": "123 Main St.",
37        "city": "San Francisco",
38        "region": "CA",
39        "postal_code": "94053",
40        "country": "US"
41      }
42    },
43    "recurring_transfer_id": null
44  },
45  "request_id": "saKrIBuEB9qJZno"
46}

/transfer/list

List transfers

Use the /transfer/list endpoint to see a list of all your transfers and their statuses. Results are paginated; use the count and offset query parameters to retrieve the desired transfers.

transfer/list

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
start_date
string
The start datetime of transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

Format: date-time
end_date
string
The end datetime of transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

Format: date-time
count
integer
The maximum number of transfers to return.

Minimum: 1
Maximum: 25
Default: 25
offset
integer
The number of transfers to skip before returning results.

Default: 0
Minimum: 0
originator_client_id
string
Filter transfers to only those with the specified originator client.
funding_account_id
string
Filter transfers to only those with the specified funding_account_id.
1const request: TransferListRequest = {
2  start_date: '2019-12-06T22:35:49Z',
3  end_date: '2019-12-12T22:35:49Z',
4  count: 14,
5  offset: 2,
6  origination_account_id: '8945fedc-e703-463d-86b1-dc0607b55460',
7};
8try {
9  const response = await plaidClient.transferList(request);
10  const transfers = response.data.transfers;
11  for (const transfer of transfers) {
12    // iterate through transfers
13  }
14} catch (error) {
15  // handle error
16}
transfer/list

Response fields and example

transfers
[object]
id
string
Plaid’s unique identifier for a transfer.
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring
The user's email address.
address
nullableobject
The address associated with the account holder.
street
nullablestring
The street number and name (i.e., "100 Market St.").
city
nullablestring
Ex. "San Francisco"
region
nullablestring
The state or province (e.g., "CA").
postal_code
nullablestring
The postal code (e.g., "94103").
country
nullablestring
A two-letter country code (e.g., "US").
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
description
string
The description of the transfer.
created
string
The datetime when this transfer was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
status
string
The status of the transfer.
pending: A new transfer was created; it is in the pending state. posted: The transfer has been successfully submitted to the payment network. settled: Credits are available to be withdrawn or debits have been deducted from the Plaid linked account. cancelled: The transfer was cancelled by the client. failed: The transfer failed, no funds were moved. returned: A posted transfer was returned.

Possible values: pending, posted, settled, cancelled, failed, returned
sweep_status
nullablestring
The status of the sweep for the transfer.
unswept: The transfer hasn't been swept yet. swept: The transfer was swept to the sweep account. swept_settled: Credits are available to be withdrawn or debits have been deducted from the customer’s business checking account. return_swept: The transfer was returned, funds were pulled back or pushed back to the sweep account. null: The transfer will never be swept (e.g. if the transfer is cancelled or returned before being swept)

Possible values: null, unswept, swept, swept_settled, return_swept
network
string
The network or rails used for the transfer.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach, rtp
cancellable
boolean
When true, you can still cancel this transfer.
failure_reason
nullableobject
The failure reason if the event type for a transfer is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
metadata
nullableobject
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
guarantee_decision
nullablestring
Indicates whether the transfer is guaranteed by Plaid (Guarantee customers only). This field will contain either GUARANTEED or NOT_GUARANTEED indicating whether Plaid will guarantee the transfer. If the transfer is not guaranteed, additional information will be provided in the guarantee_decision_rationale field. Refer to the code field in guarantee_decision_rationale for details.

Possible values: GUARANTEED, NOT_GUARANTEED, null
guarantee_decision_rationale
nullableobject
The rationale for Plaid's decision to not guarantee a transfer. Will be null unless guarantee_decision is NOT_GUARANTEED.
code
string
A code representing the reason Plaid declined to guarantee this transfer:
RETURN_BANK: The risk of a bank-initiated return (for example, an R01/NSF) is too high to guarantee this transfer.
RETURN_CUSTOMER: The risk of a customer-initiated return (for example, a R10/Unauthorized) is too high to guarantee this transfer.
GUARANTEE_LIMIT_REACHED: This transfer is low-risk, but Guarantee has exhausted an internal limit on the number or rate of guarantees that applies to this transfer.
RISK_ESTIMATE_UNAVAILABLE: A risk estimate is unavailable for this Item.
REQUIRED_PARAM_MISSING: Required fields are missing.

Possible values: RETURN_BANK, RETURN_CUSTOMER, GUARANTEE_LIMIT_REACHED, RISK_ESTIMATE_UNAVAILABLE, REQUIRED_PARAM_MISSING
description
string
A human-readable description of why the transfer cannot be guaranteed.
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
standard_return_window
nullablestring
The date 3 business days from settlement date indicating the following ACH returns can no longer happen: R01, R02, R03, R29. This will be of the form YYYY-MM-DD.

Format: date
unauthorized_return_window
nullablestring
The date 61 business days from settlement date indicating the following ACH returns can no longer happen: R05, R07, R10, R11, R51, R33, R37, R38, R51, R52, R53. This will be of the form YYYY-MM-DD.

Format: date
expected_settlement_date
nullablestring
An estimation of the settlement date which can be useful when the transfer is pending. Only set for ACH transfers and is null for non-ACH transfers. This will be of the form YYYY-MM-DD.

Format: date
originator_client_id
nullablestring
The Plaid client ID that is the originator of this transfer. Only present if created on behalf of another client as a third-party sender (TPS).
refunds
[object]
A list of refunds associated with this transfer.
id
string
Plaid’s unique identifier for a refund.
transfer_id
string
The ID of the transfer to refund.
amount
string
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
status
string
The status of the refund.
pending: A new refund was created; it is in the pending state. posted: The refund has been successfully submitted to the payment network. cancelled: The refund was cancelled by the client. failed: The refund failed or was returned.

Possible values: pending, posted, cancelled, failed
created
string
The datetime when this refund was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
recurring_transfer_id
nullablestring
The id of the recurring transfer if this transfer belongs to a recurring transfer.
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfers": [
3    {
4      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
5      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
6      "ach_class": "ppd",
7      "amount": "12.34",
8      "cancellable": true,
9      "created": "2019-12-09T17:27:15Z",
10      "description": "Desc",
11      "guarantee_decision": null,
12      "guarantee_decision_rationale": null,
13      "failure_reason": {
14        "ach_return_code": "R13",
15        "description": "Invalid ACH routing number"
16      },
17      "id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
18      "metadata": {
19        "key1": "value1",
20        "key2": "value2"
21      },
22      "network": "ach",
23      "origination_account_id": "",
24      "originator_client_id": null,
25      "refunds": [],
26      "status": "pending",
27      "type": "credit",
28      "iso_currency_code": "USD",
29      "standard_return_window": "2020-08-07",
30      "unauthorized_return_window": "2020-10-07",
31      "expected_settlement_date": "2020-08-04",
32      "user": {
33        "email_address": "acharleston@email.com",
34        "legal_name": "Anne Charleston",
35        "phone_number": "510-555-0128",
36        "address": {
37          "street": "123 Main St.",
38          "city": "San Francisco",
39          "region": "CA",
40          "postal_code": "94053",
41          "country": "US"
42        }
43      },
44      "recurring_transfer_id": null
45    }
46  ],
47  "request_id": "saKrIBuEB9qJZno"
48}

/transfer/event/list

List transfer events

Use the /transfer/event/list endpoint to get a list of transfer events based on specified filter criteria.

transfer/event/list

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
start_date
string
The start datetime of transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

Format: date-time
end_date
string
The end datetime of transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

Format: date-time
transfer_id
string
Plaid’s unique identifier for a transfer.
account_id
string
The account ID to get events for all transactions to/from an account.
transfer_type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into your origination account; a credit indicates a transfer of money out of your origination account.

Possible values: debit, credit, null
event_types
[string]
Filter events by event type.

Possible values: pending, cancelled, failed, posted, settled, returned, swept, swept_settled, return_swept
sweep_id
string
Plaid’s unique identifier for a sweep.
count
integer
The maximum number of transfer events to return. If the number of events matching the above parameters is greater than count, the most recent events will be returned.

Default: 25
Maximum: 25
Minimum: 1
offset
integer
The offset into the list of transfer events. When count=25 and offset=0, the first 25 events will be returned. When count=25 and offset=25, the next 25 events will be returned.

Default: 0
Minimum: 0
originator_client_id
string
Filter transfer events to only those with the specified originator client.
funding_account_id
string
Filter transfer events to only those with the specified funding_account_id.
1const request: TransferEventListRequest = {
2  start_date: '2019-12-06T22:35:49Z',
3  end_date: '2019-12-12T22:35:49Z',
4  transfer_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
5  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
6  transfer_type: 'credit',
7  event_types: ['pending', 'posted'],
8  count: 14,
9  offset: 2,
10  origination_account_id: '8945fedc-e703-463d-86b1-dc0607b55460',
11};
12try {
13  const response = await plaidClient.transferEventList(request);
14  const events = response.data.transfer_events;
15  for (const event of events) {
16    // iterate through events
17  }
18} catch (error) {
19  // handle error
20}
transfer/event/list

Response fields and example

transfer_events
[object]
event_id
integer
Plaid’s unique identifier for this event. IDs are sequential unsigned 64-bit integers.

Minimum: 0
timestamp
string
The datetime when this event occurred. This will be of the form 2006-01-02T15:04:05Z.

Format: date-time
event_type
string
The type of event that this transfer represents.
pending: A new transfer was created; it is in the pending state.
cancelled: The transfer was cancelled by the client.
failed: The transfer failed, no funds were moved.
posted: The transfer has been successfully submitted to the payment network.
settled: Credits are available to be withdrawn or debits have been deducted from the Plaid linked account.
returned: A posted transfer was returned.
swept: The transfer was swept to / from the sweep account.
swept_settled: Credits are available to be withdrawn or debits have been deducted from the customer’s business checking account.
return_swept: Due to the transfer being returned, funds were pulled from or pushed back to the sweep account.

Possible values: pending, cancelled, failed, posted, settled, returned, swept, swept_settled, return_swept
account_id
string
The account ID associated with the transfer.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
transfer_id
string
Plaid’s unique identifier for a transfer.
transfer_type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
transfer_amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
failure_reason
nullableobject
The failure reason if the event type for a transfer is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
sweep_id
nullablestring
Plaid’s unique identifier for a sweep.
sweep_amount
nullablestring
A signed amount of how much was swept or return_swept (decimal string with two digits of precision e.g. "-5.50").
refund_id
nullablestring
Plaid’s unique identifier for a refund. A non-null value indicates the event is for the associated refund of the transfer.
originator_client_id
nullablestring
The Plaid client ID that is the originator of the transfer that this event applies to. Only present if the transfer was created on behalf of another client as a third-party sender (TPS).
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfer_events": [
3    {
4      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
5      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
6      "transfer_amount": "12.34",
7      "transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
8      "transfer_type": "credit",
9      "event_id": 1,
10      "event_type": "posted",
11      "failure_reason": null,
12      "origination_account_id": "",
13      "originator_client_id": "569ed2f36b3a3a021713abc1",
14      "refund_id": null,
15      "sweep_amount": null,
16      "sweep_id": null,
17      "timestamp": "2019-12-09T17:27:15Z"
18    }
19  ],
20  "request_id": "mdqfuVxeoza6mhu"
21}

/transfer/metrics/get

Get transfer product usage metrics

Use the /transfer/metrics/get endpoint to view your transfer product usage metrics.

transfer/metrics/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
originator_client_id
string
The Plaid client ID of the transfer originator. Should only be present if client_id is a third-party sender (TPS).
1const request: TransferMetricsGetRequest = {
2  client_id: '6a65dh3d1h0d1027121ak184',
3  originator_client_id: '61b8f48ded273e001aa8db6d'
4};
5
6try {
7  const response = await client.transferMetricsGet(request);
8} catch (error) {
9  // handle error
10}
transfer/metrics/get

Response fields and example

request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
daily_debit_transfer_volume
string
Sum of dollar amount of debit transfers in last 24 hours (decimal string with two digits of precision e.g. "10.00").
daily_credit_transfer_volume
string
Sum of dollar amount of credit transfers in last 24 hours (decimal string with two digits of precision e.g. "10.00").
monthly_transfer_volume
string
Sum of dollar amount of credit and debit transfers in current calendar month (decimal string with two digits of precision e.g. "10.00").
iso_currency_code
string
The currency of the dollar amount, e.g. "USD".
1{
2  "daily_debit_transfer_volume": "1234.56",
3  "daily_credit_transfer_volume": "567.89",
4  "monthly_transfer_volume": "12345.67",
5  "iso_currency_code": "USD",
6  "request_id": "saKrIBuEB9qJZno"
7}

/transfer/event/sync

Sync transfer events

/transfer/event/sync allows you to request up to the next 25 transfer events that happened after a specific event_id. Use the /transfer/event/sync endpoint to guarantee you have seen all transfer events. When using Auth with micro-deposit verification enabled, this endpoint can be used to fetch status updates on ACH micro-deposits. For more details, see micro-deposit events.

transfer/event/sync

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
after_id
requiredinteger
The latest (largest) event_id fetched via the sync endpoint, or 0 initially.

Minimum: 0
count
integer
The maximum number of transfer events to return.

Default: 25
Minimum: 1
Maximum: 25 
1const request: TransferEventListRequest = {
2  after_id: 4,
3  count: 22,
4};
5try {
6  const response = await plaidClient.transferEventSync(request);
7  const events = response.data.transfer_events;
8  for (const event of events) {
9    // iterate through events
10  }
11} catch (error) {
12  // handle error
13}
transfer/event/sync

Response fields and example

transfer_events
[object]
event_id
integer
Plaid’s unique identifier for this event. IDs are sequential unsigned 64-bit integers.

Minimum: 0
timestamp
string
The datetime when this event occurred. This will be of the form 2006-01-02T15:04:05Z.

Format: date-time
event_type
string
The type of event that this transfer represents.
pending: A new transfer was created; it is in the pending state.
cancelled: The transfer was cancelled by the client.
failed: The transfer failed, no funds were moved.
posted: The transfer has been successfully submitted to the payment network.
settled: Credits are available to be withdrawn or debits have been deducted from the Plaid linked account.
returned: A posted transfer was returned.
swept: The transfer was swept to / from the sweep account.
swept_settled: Credits are available to be withdrawn or debits have been deducted from the customer’s business checking account.
return_swept: Due to the transfer being returned, funds were pulled from or pushed back to the sweep account.

Possible values: pending, cancelled, failed, posted, settled, returned, swept, swept_settled, return_swept
account_id
string
The account ID associated with the transfer.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
transfer_id
string
Plaid’s unique identifier for a transfer.
transfer_type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
transfer_amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
failure_reason
nullableobject
The failure reason if the event type for a transfer is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
sweep_id
nullablestring
Plaid’s unique identifier for a sweep.
sweep_amount
nullablestring
A signed amount of how much was swept or return_swept (decimal string with two digits of precision e.g. "-5.50").
refund_id
nullablestring
Plaid’s unique identifier for a refund. A non-null value indicates the event is for the associated refund of the transfer.
originator_client_id
nullablestring
The Plaid client ID that is the originator of the transfer that this event applies to. Only present if the transfer was created on behalf of another client as a third-party sender (TPS).
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfer_events": [
3    {
4      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
5      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
6      "transfer_amount": "12.34",
7      "transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
8      "transfer_type": "credit",
9      "event_id": 1,
10      "event_type": "pending",
11      "failure_reason": null,
12      "origination_account_id": "",
13      "originator_client_id": null,
14      "refund_id": null,
15      "sweep_amount": null,
16      "sweep_id": null,
17      "timestamp": "2019-12-09T17:27:15Z"
18    }
19  ],
20  "request_id": "mdqfuVxeoza6mhu"
21}

/transfer/sweep/get

Retrieve a sweep

The /transfer/sweep/get endpoint fetches a sweep corresponding to the given sweep_id.

transfer/sweep/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
sweep_id
requiredstring
Plaid’s unique identifier for a sweep.
1const request: TransferSweepGetRequest = {
2  sweep_id: '8c2fda9a-aa2f-4735-a00f-f4e0d2d2faee',
3};
4try {
5  const response = await plaidClient.transferSweepGet(request);
6  const sweep = response.data.sweep;
7} catch (error) {
8  // handle error
9}
transfer/sweep/get

Response fields and example

sweep
object
Describes a sweep of funds to / from the sweep account.
A sweep is associated with many sweep events (events of type swept or return_swept) which can be retrieved by invoking the /transfer/event/list endpoint with the corresponding sweep_id.
swept events occur when the transfer amount is credited or debited from your sweep account, depending on the type of the transfer. return_swept events occur when a transfer is returned and Plaid undoes the credit or debit.
The total sum of the swept and return_swept events is equal to the amount of the sweep Plaid creates and matches the amount of the entry on your sweep account ledger.
id
string
Identifier of the sweep.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
created
string
The datetime when the sweep occurred, in RFC 3339 format.

Format: date-time
amount
string
Signed decimal amount of the sweep as it appears on your sweep account ledger (e.g. "-10.00")
If amount is not present, the sweep was net-settled to zero and outstanding debits and credits between the sweep account and Plaid are balanced.
iso_currency_code
string
The currency of the sweep, e.g. "USD".
settled
nullablestring
The date when the sweep settled, in the YYYY-MM-DD format.

Format: date
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "sweep": {
3    "id": "8c2fda9a-aa2f-4735-a00f-f4e0d2d2faee",
4    "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
5    "created": "2020-08-06T17:27:15Z",
6    "amount": "12.34",
7    "iso_currency_code": "USD",
8    "settled": "2020-08-07"
9  },
10  "request_id": "saKrIBuEB9qJZno"
11}

/transfer/sweep/list

List sweeps

The /transfer/sweep/list endpoint fetches sweeps matching the given filters.

transfer/sweep/list

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
start_date
string
The start datetime of sweeps to return (RFC 3339 format).

Format: date-time
end_date
string
The end datetime of sweeps to return (RFC 3339 format).

Format: date-time
count
integer
The maximum number of sweeps to return.

Minimum: 1
Maximum: 25
Default: 25
offset
integer
The number of sweeps to skip before returning results.

Default: 0
Minimum: 0
originator_client_id
string
Filter sweeps to only those with the specified originator client.
funding_account_id
string
Filter sweeps to only those with the specified funding_account_id.
1const request: TransferSweepListRequest = {
2  start_date: '2019-12-06T22:35:49Z',
3  end_date: '2019-12-12T22:35:49Z',
4  count: 14,
5  offset: 2,
6};
7try {
8  const response = await plaidClient.transferSweepList(request);
9  const sweeps = response.data.sweeps;
10  for (const sweep of sweeps) {
11    // iterate through sweeps
12  }
13} catch (error) {
14  // handle error
15}
transfer/sweep/list

Response fields and example

sweeps
[object]
id
string
Identifier of the sweep.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
created
string
The datetime when the sweep occurred, in RFC 3339 format.

Format: date-time
amount
string
Signed decimal amount of the sweep as it appears on your sweep account ledger (e.g. "-10.00")
If amount is not present, the sweep was net-settled to zero and outstanding debits and credits between the sweep account and Plaid are balanced.
iso_currency_code
string
The currency of the sweep, e.g. "USD".
settled
nullablestring
The date when the sweep settled, in the YYYY-MM-DD format.

Format: date
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "sweeps": [
3    {
4      "id": "d5394a4d-0b04-4a02-9f4a-7ca5c0f52f9d",
5      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
6      "created": "2019-12-09T17:27:15Z",
7      "amount": "-12.34",
8      "iso_currency_code": "USD",
9      "settled": "2019-12-10",
10      "originator_client_id": null
11    }
12  ],
13  "request_id": "saKrIBuEB9qJZno"
14}

/transfer/intent/create

Create a transfer intent object to invoke the Transfer UI

Use the /transfer/intent/create endpoint to generate a transfer intent object and invoke the Transfer UI.

transfer/intent/create

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited. Defaults to the account configured during onboarding.
mode
requiredstring
The direction of the flow of transfer funds.
PAYMENT: Transfers funds from an end user's account to your business account.
DISBURSEMENT: Transfers funds from your business account to an end user's account.

Possible values: PAYMENT, DISBURSEMENT
network
string
The network or rails used for the transfer. Defaults to same-day-ach.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach
Default: same-day-ach
amount
requiredstring
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
description
requiredstring
A description for the underlying transfer. Maximum of 8 characters.

Min length: 1
Max length: 8
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
user
requiredobject
The legal name and other information for the account holder.
legal_name
requiredstring
The user's legal name.
phone_number
string
The user's phone number.
email_address
string
The user's email address.
address
object
The address associated with the account holder. Providing this data will improve the likelihood that Plaid will be able to guarantee the transfer, if applicable.
street
string
The street number and name (i.e., "100 Market St.").
city
string
Ex. "San Francisco"
region
string
The state or province (e.g., "CA").
postal_code
string
The postal code (e.g., "94103").
country
string
A two-letter country code (e.g., "US").
metadata
object
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
require_guarantee
boolean
When true, the transfer requires a GUARANTEED decision by Plaid to proceed (Guarantee customers only).

Default: false 
1const request: TransferIntentCreateRequest = {
2  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
3  mode: 'PAYMENT'
4  amount: '12.34',
5  description: 'Desc',
6  ach_class: 'ppd',
7  origination_account_id: '9853defc-e703-463d-86b1-dc0607a45359',
8  user: {
9    legal_name: 'Anne Charleston',
10  },
11};
12
13try {
14  const response = await client.transferIntentCreate(request);
15} catch (error) {
16  // handle error
17}
transfer/intent/create

Response fields and example

transfer_intent
object
Represents a transfer intent within Transfer UI.
id
string
Plaid's unique identifier for the transfer intent object.
created
string
The datetime the transfer was created. This will be of the form 2006-01-02T15:04:05Z.

Format: date-time
status
string
The status of the transfer intent.
PENDING: The transfer intent is pending. SUCCEEDED: The transfer intent was successfully created. FAILED: The transfer intent was unable to be created.

Possible values: PENDING, SUCCEEDED, FAILED
account_id
nullablestring
The Plaid account_id corresponding to the end-user account that will be debited or credited. Returned only if account_id was set on intent creation.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
mode
string
The direction of the flow of transfer funds.
PAYMENT: Transfers funds from an end user's account to your business account.
DISBURSEMENT: Transfers funds from your business account to an end user's account.

Possible values: PAYMENT, DISBURSEMENT
network
string
The network or rails used for the transfer. Defaults to same-day-ach.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach
Default: same-day-ach
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring
The user's email address.
address
nullableobject
The address associated with the account holder.
street
nullablestring
The street number and name (i.e., "100 Market St.").
city
nullablestring
Ex. "San Francisco"
region
nullablestring
The state or province (e.g., "CA").
postal_code
nullablestring
The postal code (e.g., "94103").
country
nullablestring
A two-letter country code (e.g., "US").
description
string
A description for the underlying transfer. Maximum of 8 characters.
metadata
nullableobject
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
require_guarantee
nullableboolean
When true, the transfer requires a GUARANTEED decision by Plaid to proceed (Guarantee customers only).
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfer_intent": {
3    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
4    "funding_account_id": "9853defc-e703-463d-86b1-dc0607a45359",
5    "ach_class": "ppd",
6    "amount": "12.34",
7    "iso_currency_code": "USD",
8    "created": "2020-08-06T17:27:15Z",
9    "description": "Desc",
10    "id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
11    "metadata": {
12      "key1": "value1",
13      "key2": "value2"
14    },
15    "mode": "PAYMENT",
16    "origination_account_id": "9853defc-e703-463d-86b1-dc0607a45359",
17    "status": "PENDING",
18    "user": {
19      "address": {
20        "street": "100 Market Street",
21        "city": "San Francisco",
22        "region": "CA",
23        "postal_code": "94103",
24        "country": "US"
25      },
26      "email_address": "acharleston@email.com",
27      "legal_name": "Anne Charleston",
28      "phone_number": "123-456-7890"
29    }
30  },
31  "request_id": "saKrIBuEB9qJZno"
32}

/transfer/intent/get

Retrieve more information about a transfer intent

Use the /transfer/intent/get endpoint to retrieve more information about a transfer intent.

transfer/intent/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
transfer_intent_id
requiredstring
Plaid's unique identifier for a transfer intent object.
1const request: TransferIntentGetRequest = {
2  transfer_intent_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3};
4
5try {
6  const response = await client.transferIntentGet(request);
7} catch (error) {
8  // handle error
9}
transfer/intent/get

Response fields and example

transfer_intent
object
Represents a transfer intent within Transfer UI.
id
string
Plaid's unique identifier for a transfer intent object.
created
string
The datetime the transfer was created. This will be of the form 2006-01-02T15:04:05Z.

Format: date-time
status
string
The status of the transfer intent.
PENDING: The transfer intent is pending. SUCCEEDED: The transfer intent was successfully created. FAILED: The transfer intent was unable to be created.

Possible values: PENDING, SUCCEEDED, FAILED
transfer_id
nullablestring
Plaid's unique identifier for the transfer created through the UI. Returned only if the transfer was successfully created. Null value otherwise.
failure_reason
nullableobject
The reason for a failed transfer intent. Returned only if the transfer intent status is failed. Null otherwise.
error_type
string
A broad categorization of the error.
error_code
string
A code representing the reason for a failed transfer intent (i.e., an API error or the authorization being declined).
error_message
string
A human-readable description of the code associated with a failed transfer intent.
authorization_decision
nullablestring
A decision regarding the proposed transfer.
APPROVED – The proposed transfer has received the end user's consent and has been approved for processing by Plaid. The decision_rationale field is set if Plaid was unable to fetch the account information. You may proceed with the transfer, but further review is recommended (i.e., use Link in update to re-authenticate your user when decision_rationale.code is ITEM_LOGIN_REQUIRED). Refer to the code field in the decision_rationale object for details.
DECLINED – Plaid reviewed the proposed transfer and declined processing. Refer to the code field in the decision_rationale object for details.

Possible values: APPROVED, DECLINED
authorization_decision_rationale
nullableobject
The rationale for Plaid's decision regarding a proposed transfer. It is always set for declined decisions, and may or may not be null for approved decisions.
code
string
A code representing the rationale for approving or declining the proposed transfer. Possible values are:
MANUALLY_VERIFIED_ITEM – Item created via same-day micro deposits, limited information available. Plaid will offer approved as a transaction decision.
ITEM_LOGIN_REQUIRED – Unable to collect the account information due to Item staleness. Can be rectified using Link in update mode. Plaid will offer approved as a transaction decision.
PAYMENT_PROFILE_LOGIN_REQUIRED - Unable to collect the account information due to invalid login when using Payment Profiles. Can be rectified using update mode for Payment Profile. Plaid will offer approved as a transaction decision.
ERROR – Unable to collect the account information due to an error. Plaid will offer approved as a transaction decision.
NSF – Transaction likely to result in a return due to insufficient funds. Plaid will offer declined as a transaction decision.
RISK - Transaction is high-risk. Plaid will offer declined as a transaction decision.
TRANSFER_LIMIT_REACHED - One or several transfer limits are reached, e.g. monthly transfer limit. Plaid will offer declined as a transaction decision.
MIGRATED_ACCOUNT_ITEM - Item created via /transfer/account_migration endpoint, limited information available. Plaid will offer approved as a transaction decision.

Possible values: NSF, RISK, TRANSFER_LIMIT_REACHED, MANUALLY_VERIFIED_ITEM, ITEM_LOGIN_REQUIRED, PAYMENT_PROFILE_LOGIN_REQUIRED, ERROR, MIGRATED_ACCOUNT_ITEM
description
string
A human-readable description of the code associated with a transfer approval or transfer decline.
account_id
nullablestring
The Plaid account_id for the account that will be debited or credited. Returned only if account_id was set on intent creation.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
mode
string
The direction of the flow of transfer funds.
PAYMENT: Transfers funds from an end user's account to your business account.
DISBURSEMENT: Transfers funds from your business account to an end user's account.

Possible values: PAYMENT, DISBURSEMENT
network
string
The network or rails used for the transfer. Defaults to same-day-ach.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach
Default: same-day-ach
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring
The user's email address.
address
nullableobject
The address associated with the account holder.
street
nullablestring
The street number and name (i.e., "100 Market St.").
city
nullablestring
Ex. "San Francisco"
region
nullablestring
The state or province (e.g., "CA").
postal_code
nullablestring
The postal code (e.g., "94103").
country
nullablestring
A two-letter country code (e.g., "US").
description
string
A description for the underlying transfer. Maximum of 8 characters.
metadata
nullableobject
The Metadata object is a mapping of client-provided string fields to any string value. The following limitations apply: The JSON values must be Strings (no nested JSON objects allowed) Only ASCII characters may be used Maximum of 50 key/value pairs Maximum key length of 40 characters Maximum value length of 500 characters
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
require_guarantee
nullableboolean
When true, the transfer requires a GUARANTEED decision by Plaid to proceed (Guarantee customers only).
guarantee_decision
nullablestring
Indicates whether the transfer is guaranteed by Plaid (Guarantee customers only). This field will contain either GUARANTEED or NOT_GUARANTEED indicating whether Plaid will guarantee the transfer. If the transfer is not guaranteed, additional information will be provided in the guarantee_decision_rationale field. Refer to the code field in guarantee_decision_rationale for details.

Possible values: GUARANTEED, NOT_GUARANTEED, null
guarantee_decision_rationale
nullableobject
The rationale for Plaid's decision to not guarantee a transfer. Will be null unless guarantee_decision is NOT_GUARANTEED.
code
string
A code representing the reason Plaid declined to guarantee this transfer:
RETURN_BANK: The risk of a bank-initiated return (for example, an R01/NSF) is too high to guarantee this transfer.
RETURN_CUSTOMER: The risk of a customer-initiated return (for example, a R10/Unauthorized) is too high to guarantee this transfer.
GUARANTEE_LIMIT_REACHED: This transfer is low-risk, but Guarantee has exhausted an internal limit on the number or rate of guarantees that applies to this transfer.
RISK_ESTIMATE_UNAVAILABLE: A risk estimate is unavailable for this Item.
REQUIRED_PARAM_MISSING: Required fields are missing.

Possible values: RETURN_BANK, RETURN_CUSTOMER, GUARANTEE_LIMIT_REACHED, RISK_ESTIMATE_UNAVAILABLE, REQUIRED_PARAM_MISSING
description
string
A human-readable description of why the transfer cannot be guaranteed.
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "transfer_intent": {
3    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
4    "funding_account_id": "9853defc-e703-463d-86b1-dc0607a45359",
5    "ach_class": "ppd",
6    "amount": "12.34",
7    "iso_currency_code": "USD",
8    "authorization_decision": "APPROVED",
9    "authorization_decision_rationale": null,
10    "created": "2019-12-09T17:27:15Z",
11    "description": "Desc",
12    "failure_reason": null,
13    "guarantee_decision": null,
14    "guarantee_decision_rationale": null,
15    "id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
16    "metadata": {
17      "key1": "value1",
18      "key2": "value2"
19    },
20    "mode": "DISBURSEMENT",
21    "origination_account_id": "9853defc-e703-463d-86b1-dc0607a45359",
22    "status": "SUCCEEDED",
23    "transfer_id": "590ecd12-1dcc-7eae-4ad6-c28d1ec90df2",
24    "user": {
25      "address": {
26        "street": "123 Main St.",
27        "city": "San Francisco",
28        "region": "California",
29        "postal_code": "94053",
30        "country": "US"
31      },
32      "email_address": "acharleston@email.com",
33      "legal_name": "Anne Charleston",
34      "phone_number": "510-555-0128"
35    }
36  },
37  "request_id": "saKrIBuEB9qJZno"
38}

/transfer/recurring/create

Create a recurring transfer

Use the /transfer/recurring/create endpoint to initiate a new recurring transfer.

transfer/recurring/create

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
access_token
requiredstring
The Plaid access_token for the account that will be debited or credited. Required if not using payment_profile_token.
idempotency_key
requiredstring
A random key provided by the client, per unique recurring transfer. Maximum of 50 characters.
The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. For example, if a request to create a recurring fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single recurring transfer is created.

Max length: 50
account_id
requiredstring
The Plaid account_id corresponding to the end-user account that will be debited or credited. Returned only if account_id was set on intent creation.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited. Defaults to the account configured during onboarding.
type
requiredstring
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
network
requiredstring
The network or rails used for the transfer.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach, rtp
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
amount
requiredstring
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
user_present
requiredboolean
If the end user is initiating the specific transfer themselves via an interactive UI, this should be true; for automatic recurring payments where the end user is not actually initiating each individual transfer, it should be false.
description
requiredstring
The description of the recurring transfer.
test_clock_id
string
Plaid’s unique identifier for a test clock.
schedule
requiredobject
The schedule that the recurring transfer will be executed on.
interval_unit
requiredstring
The unit of the recurring interval.

Possible values: week, month
Min length: 1
interval_count
requiredinteger
The number of recurring interval_units between originations. The recurring interval(before holiday adjustment) is calculated by multiplying interval_unit and interval_count. For instance, to schedule a recurring transfer which originates once every two weeks, set interval_unit = week and interval_count = 2.
interval_execution_day
requiredinteger
The day of the interval on which to schedule the transfer.
If the interval_unit is week, interval_execution_day should be an integer from 1 (Monday) to 5 (Friday).
If the interval_unit is month, interval_execution_day should be an integer indicating which day of the month to make the transfer on. Integers from 1 to 28 can be used to make a transfer on that day of the month. Negative integers from -1 to -5 can be used to make a transfer relative to the end of the month. To make a transfer on the last day of the month, use -1; to make the transfer on the second-to-last day, use -2, and so on.
The transfer will be originated on next available banking day if the designated day is a non banking day.
start_date
requiredstring
A date in ISO 8601 format (YYYY-MM-DD). The recurring transfer will begin on the first interval_execution_day on or after the start_date.
If the first interval_execution_day on or after the start date is also the same day that /transfer/recurring/create was called, the bank may make the first payment on that day, but it is not guaranteed to do so.

Format: date
end_date
string
A date in ISO 8601 format (YYYY-MM-DD). The recurring transfer will end on the last interval_execution_day on or before the end_date. If the interval_execution_day between the start date and the end date (inclusive) is also the same day that /transfer/recurring/create was called, the bank may make a payment on that day, but it is not guaranteed to do so.

Format: date
user
requiredobject
The legal name and other information for the account holder.
legal_name
requiredstring
The user's legal name.
phone_number
string
The user's phone number.
email_address
string
The user's email address.
address
object
The address associated with the account holder. Providing this data will improve the likelihood that Plaid will be able to guarantee the transfer, if applicable.
street
string
The street number and name (i.e., "100 Market St.").
city
string
Ex. "San Francisco"
region
string
The state or province (e.g., "CA").
postal_code
string
The postal code (e.g., "94103").
country
string
A two-letter country code (e.g., "US").
device
requiredobject
Information about the device being used to initiate the authorization.
ip_address
requiredstring
The IP address of the device being used to initiate the authorization.
user_agent
requiredstring
The user agent of the device being used to initiate the authorization.
1const request: TransferRecurringCreateRequest = {
2  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
3  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
4  type: 'credit',
5  network: 'ach',
6  amount: '12.34',
7  ach_class: 'ppd',
8  description: 'payment',
9  idempotency_key: '12345',
10  schedule: {
11    start_date: '2022-10-01',
12    end_date: '20223-10-01',
13    interval_unit: 'week',
14    interval_count: 1,
15    interval_execution_day: 5
16  }
17  user: {
18    legal_name: 'Anne Charleston',
19  },
20};
21
22try {
23  const response = await client.transferRecurringCreate(request);
24  const recurringTransferId = response.data.recurring_transfer.recurring_transfer_id;
25} catch (error) {
26  // handle error
27}
transfer/recurring/create

Response fields and example

recurring_transfer
nullableobject
Represents a recurring transfer within the Transfers API.
recurring_transfer_id
string
Plaid’s unique identifier for a recurring transfer.
created
string
The datetime when this transfer was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
next_origination_date
string
A date in ISO 8601 format (YYYY-MM-DD).
The next transfer origination date after bank holiday adjustment.

Format: date
test_clock_id
nullablestring
Plaid’s unique identifier for a test clock.
type
string
The type of transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
amount
string
The amount of the transfer (decimal string with two digits of precision e.g. "10.00").
status
string
The status of the recurring transfer.
active: The recurring transfer is currently active. cancelled: The recurring transfer was cancelled by the client or Plaid. expired: The recurring transfer has completed all originations according to its recurring schedule.

Possible values: active, cancelled, expired
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
"ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts
"ppd" - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment
"tel" - Telephone-Initiated Entry
"web" - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet

Possible values: ccd, ppd, tel, web
network
string
The network or rails used for the transfer.
For transfers submitted as either ach or same-day-ach the cutoff for same-day is 9:30 AM Pacific Time and the cutoff for next-day transfers is 5:30 PM Pacific Time. It is recommended to submit a transfer at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any transfer that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges. Note that both legs of the transfer will be downgraded if applicable.

Possible values: ach, same-day-ach, rtp
account_id
string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
string
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
iso_currency_code
string
The currency of the transfer amount, e.g. "USD"
description
string
The description of the recurring transfer.
transfer_ids
[string]
user
object
The legal name and other information for the account holder.
legal_name
string
The user's legal name.
phone_number
nullablestring
The user's phone number.
email_address
nullablestring