Transfer

API reference for Transfer account linking endpoints

Account Linking

Account Linking
/transfer/capabilities/getDetermine RTP eligibility for a Plaid Item
/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/migrate_accountCreate an Item to use with Transfer from known account and routing numbers

/transfer/capabilities/get

Get RTP eligibility information of a transfer

Use the /transfer/capabilities/get endpoint to determine the RTP eligibility information of an account to be used with Transfer. This endpoint works on all Transfer-capable Items, including those created by /transfer/migrate_account. To simulate RTP eligibility in Sandbox, log in using the username user_good and password pass_good and use the first two checking and savings accounts in the "First Platypus Bank" institution (ending in 0000 or 1111), which will return true. Any other account will return false.

transfer/capabilities/get
Request fields
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.
account_id
requiredstring
The Plaid account_id corresponding to the end-user account that will be debited or credited.
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.transferCapabilitiesGet(request);
8} catch (error) {
9  // handle error
10}
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/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
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.
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 using ach, the next-day cutoff is 8:30 PM Eastern Time.
For transfers submitted using same-day-ach, the same-day cutoff is 3:30 PM Eastern Time. If the transfer is submitted after this cutoff but before the next-day cutoff, it will be sent over next-day rails and will not incur same-day charges.
For transfers submitted using rtp, in the case that the account being credited does not support RTP, the transfer will be sent over ACH as long as an ach_class is provided in the request. If RTP isn't supported by the account and no ach_class is provided, the transfer will fail to be submitted.

Possible values: ach, same-day-ach, rtp
Default: same-day-ach
amount
requiredstring
The amount of the transfer (decimal string with two digits of precision e.g. "10.00"). When calling /transfer/authorization/create, specify the maximum amount to authorize. When calling /transfer/create, specify the exact amount of the transfer, up to a maximum of the amount authorized. If this field is left blank when calling /transfer/create, the maximum amount authorized in the authorization_id will be sent.
description
requiredstring
A description for the underlying transfer. Maximum of 15 characters.

Min length: 1
Max length: 15
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network. For more details, see ACH SEC codes.
Codes supported for credits: ccd, ppd Codes supported for debits: ccd, tel, web
"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, e.g. 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.
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"
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"). When calling /transfer/authorization/create, specify the maximum amount to authorize. When calling /transfer/create, specify the exact amount of the transfer, up to a maximum of the amount authorized. If this field is left blank when calling /transfer/create, the maximum amount authorized in the authorization_id will be sent.
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 using ach, the next-day cutoff is 8:30 PM Eastern Time.
For transfers submitted using same-day-ach, the same-day cutoff is 3:30 PM Eastern Time. If the transfer is submitted after this cutoff but before the next-day cutoff, it will be sent over next-day rails and will not incur same-day charges.
For transfers submitted using rtp, in the case that the account being credited does not support RTP, the transfer will be sent over ACH as long as an ach_class is provided in the request. If RTP isn't supported by the account and no ach_class is provided, the transfer will fail to be submitted.

Possible values: ach, same-day-ach, rtp
Default: same-day-ach
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network. For more details, see ACH SEC codes.
Codes supported for credits: ccd, ppd Codes supported for debits: ccd, tel, web
"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, e.g. 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"
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
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 mode 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.
If the rationale_code is null, the transfer passed the authorization check.
Any non-null value for an approved transfer indicates that the the authorization check could not be run and that you should perform your own risk assessment on the transfer. The code will indicate why the check could not be run. Possible values for an approved transfer are:
MANUALLY_VERIFIED_ITEM – Item created via a manual entry flow (i.e. Same Day Micro-deposit, Instant Micro-deposit, Database Insights, or Database Match), limited information available.
ITEM_LOGIN_REQUIRED – Unable to collect the account information due to Item staleness. Can be resolved by using Link and setting transfer.authorization_id in the request to /link/token/create.
MIGRATED_ACCOUNT_ITEM - Item created via /transfer/migrate_account endpoint, limited information available.
ERROR – Unable to collect the account information due to an unspecified error.
The following codes indicate that the authorization decision was declined:
NSF – Transaction likely to result in a return due to insufficient funds.
RISK - Transaction is high-risk.
TRANSFER_LIMIT_REACHED - One or several transfer limits are reached, e.g. monthly transfer limit. Check the accompanying description field to understand which limit has been reached.

Possible values: NSF, RISK, TRANSFER_LIMIT_REACHED, MANUALLY_VERIFIED_ITEM, ITEM_LOGIN_REQUIRED, PAYMENT_PROFILE_LOGIN_REQUIRED, ERROR, MIGRATED_ACCOUNT_ITEM, null
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"). When calling /transfer/authorization/create, specify the maximum amount to authorize. When calling /transfer/create, specify the exact amount of the transfer, up to a maximum of the amount authorized. If this field is left blank when calling /transfer/create, the maximum amount authorized in the authorization_id will be sent.
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 using ach, the next-day cutoff is 8:30 PM Eastern Time.
For transfers submitted using same-day-ach, the same-day cutoff is 3:30 PM Eastern Time. If the transfer is submitted after this cutoff but before the next-day cutoff, it will be sent over next-day rails and will not incur same-day charges.
For transfers submitted using rtp, in the case that the account being credited does not support RTP, the transfer will be sent over ACH as long as an ach_class is provided in the request. If RTP isn't supported by the account and no ach_class is provided, the transfer will fail to be submitted.

Possible values: ach, same-day-ach, rtp
Default: same-day-ach
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network. For more details, see ACH SEC codes.
Codes supported for credits: ccd, ppd Codes supported for debits: ccd, tel, web
"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, e.g. 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"
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/migrate_account

Migrate account into Transfers

As an alternative to adding Items via Link, you can also use the /transfer/migrate_account endpoint to migrate known account and routing numbers to Plaid Items. This endpoint is also required when adding an Item for use with wire transfers; if you intend to create wire transfers on this account, you must provide wire_routing_number. Note that Items created in this way are not compatible with endpoints for other products, such as /accounts/balance/get, and can only be used with Transfer endpoints. If you require access to other endpoints, create the Item through Link instead. Access to /transfer/migrate_account is not enabled by default; to obtain access, contact your Plaid Account Manager.

transfer/migrate_account
Request fields
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_number
requiredstring
The user's account number.
routing_number
requiredstring
The user's routing number.
wire_routing_number
string
The user's wire transfer routing number. This is the ABA number; for some institutions, this may differ from the ACH number used in routing_number. This field must be set for the created item to be eligible for wire transfers.
account_type
requiredstring
The type of the bank account (checking or savings).
1const request: TransferMigrateAccountRequest = {
2  account_number: '100000000',
3  routing_number: '121122676',
4  account_type: 'checking',
5};
6try {
7  const response = await plaidClient.transferMigrateAccount(request);
8  const access_token = response.data.access_token;
9} catch (error) {
10  // handle error
11}
transfer/migrate_account

Response fields and example

access_token
string
The Plaid access_token for the newly created Item.
account_id
string
The Plaid account_id for the newly created Item.
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  "access_token": "access-sandbox-435beced-94e8-4df3-a181-1dde1cfa19f0",
3  "account_id": "zvyDgbeeDluZ43AJP6m5fAxDlgoZXDuoy5gjN",
4  "request_id": "mdqfuVxeoza6mhu"
5}