Initiating transfers

API reference for Transfer initiation endpoints

For how-to guidance, see the Transfer creation documentation.

Initiating Transfers
/transfer/authorization/createCreate a transfer authorization
/transfer/authorization/cancelCancel a transfer authorization
/transfer/createCreate a transfer
/transfer/cancelCancel a transfer

/transfer/authorization/create

Create a transfer authorization

Use the /transfer/authorization/create endpoint to authorize a transfer. This endpoint must be called prior to calling /transfer/create. The transfer authorization will expire if not used after one hour. (You can contact your account manager to change the default authorization lifetime.)
There are four possible outcomes to calling this endpoint:
- If the authorization.decision in the response is declined, the proposed transfer has failed the risk check and you cannot proceed with the transfer.
- If the authorization.decision is user_action_required, additional user input is needed, usually to fix a broken bank connection, before Plaid can properly assess the risk. You need to launch Link in update mode to complete the required user action. When calling /link/token/create to get a new Link token, instead of providing access_token in the request, you should set transfer.authorization_id as the authorization.id. After the Link flow is completed, you may re-attempt the authorization.
- If the authorization.decision is approved, and the authorization.rationale_code is null, the transfer has passed the risk check and you can proceed to call /transfer/create.
- If the authorization.decision is approved and the authorization.rationale_code is non-null, the risk check could not be run: you may proceed with the transfer, but should perform your own risk evaluation. For more details, see the response schema.
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 get an authorization decision of user_action_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.

transfer/authorization/create

Request fields

client_id
stringstring
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
stringstring
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
requiredstringrequired, string
The Plaid access_token for the account that will be debited or credited.
account_id
requiredstringrequired, string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
ledger_id
stringstring
Specify which ledger balance should be used to fund the transfer. You can find a list of ledger_ids in the Accounts page of your Plaid Dashboard. If this field is left blank, this will default to id of the default ledger balance.
type
requiredstringrequired, 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
network
requiredstringrequired, string
The network or rails used for the transfer.
For transfers submitted as ach or same-day-ach, the next-day cutoff is 8:30 PM Eastern Time.
For transfers submitted as same-day-ach, the same-day cutoff is 3:30 PM Eastern Time. It is recommended to send the request 15 minutes prior to the cutoff to ensure that it will be processed in time for submission before the cutoff. If the transfer is processed after this cutoff but before the next-day cutoff, it will be sent over next-day rails and will not incur same-day charges; this will apply to both legs of the transfer if applicable. The transaction limit for a Same-day ACH transfer is $1,000,000. Authorization requests sent with an amount greater than $1,000,000 will fail.
For transfers submitted as rtp, Plaid will automatically route between Real Time Payment rail by TCH or FedNow rails as necessary. If a transfer is submitted as rtp and the counterparty account is not eligible for RTP, the /transfer/authorization/create request will fail with an INVALID_FIELD error code. To pre-check to determine whether a counterparty account can support RTP, call /transfer/capabilities/get before calling /transfer/authorization/create.
Wire transfers are currently in early availability. To request access to wire as a payment network, contact your Account Manager. For transfers submitted as wire, the type must be credit; wire debits are not supported. The cutoff to submit a wire payment is 4:30 PM Eastern Time on a business day; wires submitted after that time will be processed on the next business day. The transaction limit for a wire is $999,999.99. Authorization requests sent with an amount greater than $999,999.99 will fail.

Possible values: ach, same-day-ach, rtp, wire
amount
requiredstringrequired, 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.
ach_class
stringstring
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. Authorization was obtained in writing either in person or via an electronic document signing, e.g. Docusign, by the consumer. Can be used for credits or debits.
"web" - Internet-Initiated Entry. The transfer debits a consumer’s bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits.
"tel" - Telephone-Initiated Entry. The transfer debits a consumer. Debit authorization has been received orally over the telephone via a recorded call.

Possible values: ccd, ppd, tel, web
wire_details
objectobject
Information specific to wire transfers.
message_to_beneficiary
stringstring
Additional information from the wire originator to the beneficiary. Max 140 characters.
user
requiredobjectrequired, object
The legal name and other information for the account holder. If the account has multiple account holders, provide the information for the account holder on whose behalf the authorization is being requested. The user.legal_name field is required. Other fields are not currently used and are present to support planned future functionality.
legal_name
requiredstringrequired, string
The user's legal name. If the user is a business, provide the business name.
phone_number
stringstring
The user's phone number.
email_address
stringstring
The user's email address.
address
objectobject
The address associated with the account holder.
street
stringstring
The street number and name (i.e., "100 Market St.").
city
stringstring
Ex. "San Francisco"
region
stringstring
The state or province (e.g., "CA").
postal_code
stringstring
The postal code (e.g., "94103").
country
stringstring
A two-letter country code (e.g., "US").
device
objectobject
Information about the device being used to initiate the authorization. These fields are not currently incorporated into the risk check.
ip_address
stringstring
The IP address of the device being used to initiate the authorization.
user_agent
stringstring
The user agent of the device being used to initiate the authorization.
iso_currency_code
stringstring
The currency of the transfer amount. The default value is "USD".
idempotency_key
stringstring
A random key provided by the client, per unique authorization, which expires after 48 hours. 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.
Idempotency does not apply to authorizations whose decisions are user_action_required. Therefore you may re-attempt the authorization after completing the required user action without changing idempotency_key.
This idempotency key expires after 48 hours, after which the same key can be reused. Failure to provide this key may result in duplicate charges.

Max length: 50
user_present
booleanboolean
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. This field is not currently used and is present to support planned future functionality.
originator_client_id
stringstring
The Plaid client ID that is the originator of this transfer. Only needed if creating transfers on behalf of another client as a Platform customer.
test_clock_id
stringstring
Plaid’s unique identifier for a test clock. This field may only be used when using sandbox environment. If provided, the authorization is created at the virtual_time on the provided test clock.
ruleset_key
stringstring
The key of the Ruleset for the transaction. This feature is currently in closed beta; to request access, contact your account manager.
1const request: TransferAuthorizationCreateRequest = {
2  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
3  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
4  type: 'debit',
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
objectobject
Contains the authorization decision for a proposed transfer.
id
stringstring
Plaid’s unique identifier for a transfer authorization.
created
stringstring
The datetime representing when the authorization was created, in the format 2006-01-02T15:04:05Z.

Format: date-time
decision
stringstring
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. 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.
user_action_required – An action is required before Plaid can assess the transfer risk and make a decision. The most common scenario is to update authentication for an Item. To complete the required action, initialize Link by setting transfer.authorization_id in the request of /link/token/create. After Link flow is completed, you may re-attempt the authorization request.

Possible values: approved, declined, user_action_required
decision_rationale
nullableobjectnullable, object
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
stringstring
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, or database-based verification), 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
stringstring
A human-readable description of the code associated with a transfer approval or transfer decline.
proposed_transfer
objectobject
Details regarding the proposed transfer.
ach_class
stringstring
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. Authorization was obtained in writing either in person or via an electronic document signing, e.g. Docusign, by the consumer. Can be used for credits or debits.
"web" - Internet-Initiated Entry. The transfer debits a consumer’s bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits.
"tel" - Telephone-Initiated Entry. The transfer debits a consumer. Debit authorization has been received orally over the telephone via a recorded call.

Possible values: ccd, ppd, tel, web
account_id
stringstring
The Plaid account_id for the account that will be debited or credited.
funding_account_id
nullablestringnullable, string
The id of the associated funding account, available in the Plaid Dashboard. If present, this indicates which of your business checking accounts will be credited or debited.
ledger_id
nullablestringnullable, string
Plaid’s unique identifier for a Plaid Ledger Balance.
type
stringstring
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
objectobject
The legal name and other information for the account holder.
legal_name
stringstring
The user's legal name.
phone_number
nullablestringnullable, string
The user's phone number.
email_address
nullablestringnullable, string
The user's email address.
address
nullableobjectnullable, object
The address associated with the account holder.
street
nullablestringnullable, string
The street number and name (i.e., "100 Market St.").
city
nullablestringnullable, string
Ex. "San Francisco"
region
nullablestringnullable, string
The state or province (e.g., "CA").
postal_code
nullablestringnullable, string
The postal code (e.g., "94103").
country
nullablestringnullable, string
A two-letter country code (e.g., "US").
amount
stringstring
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.
network
stringstring
The network or rails used for the transfer.
wire_details
nullableobjectnullable, object
Information specific to wire transfers.
message_to_beneficiary
nullablestringnullable, string
Additional information from the wire originator to the beneficiary. Max 140 characters.
iso_currency_code
stringstring
The currency of the transfer amount. The default value is "USD".
originator_client_id
nullablestringnullable, string
The Plaid client ID that is the originator of this transfer. Only present if created on behalf of another client as a Platform customer.
credit_funds_source
deprecatednullablestringdeprecated, nullable, string
This field is now deprecated. You may ignore it for transfers created on and after 12/01/2023.
Specifies the source of funds for the transfer. Only valid for credit transfers, and defaults to sweep if not specified. This field is not specified for debit transfers.
sweep - Sweep funds from your funding account prefunded_rtp_credits - Use your prefunded RTP credit balance with Plaid prefunded_ach_credits - Use your prefunded ACH credit balance with Plaid

Possible values: sweep, prefunded_rtp_credits, prefunded_ach_credits, null
request_id
stringstring
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": null,
8    "guarantee_decision_rationale": null,
9    "payment_risk": null,
10    "proposed_transfer": {
11      "ach_class": "ppd",
12      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
13      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
14      "ledger_id": "563db5f8-4c95-4e17-8c3e-cb988fb9cf1a",
15      "type": "credit",
16      "user": {
17        "legal_name": "Anne Charleston",
18        "phone_number": "510-555-0128",
19        "email_address": "acharleston@email.com",
20        "address": {
21          "street": "123 Main St.",
22          "city": "San Francisco",
23          "region": "CA",
24          "postal_code": "94053",
25          "country": "US"
26        }
27      },
28      "amount": "12.34",
29      "network": "ach",
30      "iso_currency_code": "USD",
31      "origination_account_id": "",
32      "originator_client_id": null,
33      "credit_funds_source": "sweep"
34    }
35  },
36  "request_id": "saKrIBuEB9qJZno"
37}

/transfer/authorization/cancel

Cancel a transfer authorization

Use the /transfer/authorization/cancel endpoint to cancel a transfer authorization. A transfer authorization is eligible for cancellation if it has not yet been used to create a transfer.

transfer/authorization/cancel

Request fields

client_id
stringstring
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
stringstring
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.
authorization_id
requiredstringrequired, string
Plaid’s unique identifier for a transfer authorization.
1const request: TransferAuthorizationCancelRequest = {
2  authorization_id: '123004561178933',
3};
4try {
5  const response = await plaidClient.transferAuthorizationCancel(request);
6  const request_id = response.data.request_id;
7} catch (error) {
8  // handle error
9}
transfer/authorization/cancel

Response fields and example

request_id
stringstring
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/create

Create a transfer

Use the /transfer/create endpoint to initiate a new transfer. This endpoint is retryable and idempotent; if a transfer with the provided transfer_id has already been created, it will return the transfer details without creating a new transfer. A transfer may still be created if a 500 error is returned; to detect this scenario, use Transfer events.

transfer/create

Request fields

client_id
stringstring
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
stringstring
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
requiredstringrequired, string
The Plaid access_token for the account that will be debited or credited.
account_id
requiredstringrequired, string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
authorization_id
requiredstringrequired, string
Plaid’s unique identifier for a transfer authorization. This parameter also serves the purpose of acting as an idempotency identifier.
amount
stringstring
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
requiredstringrequired, string
The transfer description. Maximum of 15 characters. If reprocessing a returned transfer, please note that the description field must be "Retry 1" or "Retry 2" to indicate that it's a retry of a previously returned transfer. You may retry a transfer up to 2 times, within 180 days of creating the original transfer. Only transfers that were returned with code R01 or R09 may be retried. For a full listing of ACH return codes, see Transfer errors.

Max length: 15
metadata
objectobject
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
test_clock_id
stringstring
Plaid’s unique identifier for a test clock. This field may only be used when using sandbox environment. If provided, the transfer is created at the virtual_time on the provided test_clock.
facilitator_fee
stringstring
The amount to deduct from transfer.amount and distribute to the platform’s Ledger balance as a facilitator fee (decimal string with two digits of precision e.g. "10.00"). The remainder will go to the end-customer’s Ledger balance. This must be value greater than 0 and less than or equal to the transfer.amount.
1const request: TransferCreateRequest = {
2  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
3  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
4  description: 'payment',
5  authorization_id: '231h012308h3101z21909sw',
6};
7try {
8  const response = await client.transferCreate(request);
9  const transfer = response.data.transfer;
10} catch (error) {
11  // handle error
12}
transfer/create

Response fields and example

transfer
objectobject
Represents a transfer within the Transfers API.
id
stringstring
Plaid’s unique identifier for a transfer.
authorization_id
stringstring
Plaid’s unique identifier for a transfer authorization.
ach_class
stringstring
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. Authorization was obtained in writing either in person or via an electronic document signing, e.g. Docusign, by the consumer. Can be used for credits or debits.
"web" - Internet-Initiated Entry. The transfer debits a consumer’s bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits.
"tel" - Telephone-Initiated Entry. The transfer debits a consumer. Debit authorization has been received orally over the telephone via a recorded call.

Possible values: ccd, ppd, tel, web
account_id
stringstring
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
nullablestringnullable, string
The id of the associated funding account, available in the Plaid Dashboard. If present, this indicates which of your business checking accounts will be credited or debited.
ledger_id
nullablestringnullable, string
Plaid’s unique identifier for a Plaid Ledger Balance.
type
stringstring
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
objectobject
The legal name and other information for the account holder.
legal_name
stringstring
The user's legal name.
phone_number
nullablestringnullable, string
The user's phone number.
email_address
nullablestringnullable, string
The user's email address.
address
nullableobjectnullable, object
The address associated with the account holder.
street
nullablestringnullable, string
The street number and name (i.e., "100 Market St.").
city
nullablestringnullable, string
Ex. "San Francisco"
region
nullablestringnullable, string
The state or province (e.g., "CA").
postal_code
nullablestringnullable, string
The postal code (e.g., "94103").
country
nullablestringnullable, string
A two-letter country code (e.g., "US").
amount
stringstring
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
stringstring
The description of the transfer.
created
stringstring
The datetime when this transfer was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
status
stringstring
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: The transfer was successfully completed by the payment network. Note that funds from received debits are not available to be moved out of the Ledger until the transfer reaches funds_available status. For credit transactions, settled means the funds have been delivered to the receiving bank account. This is the terminal state of a successful credit transfer. funds_available: Funds from the transfer have been released from hold and applied to the ledger's available balance. (Only applicable to ACH debits.) This is the terminal state of a successful debit transfer. cancelled: The transfer was cancelled by the client. This is the terminal state of a cancelled transfer. failed: The transfer failed, no funds were moved. This is the terminal state of a failed transfer. returned: A posted transfer was returned. This is the terminal state of a returned transfer.

Possible values: pending, posted, settled, funds_available, cancelled, failed, returned
sweep_status
nullablestringnullable, string
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
stringstring
The network or rails used for the transfer.
For transfers submitted as ach or same-day-ach, the next-day cutoff is 8:30 PM Eastern Time.
For transfers submitted as same-day-ach, the same-day cutoff is 3:30 PM Eastern Time. It is recommended to send the request 15 minutes prior to the cutoff to ensure that it will be processed in time for submission before the cutoff. If the transfer is processed after this cutoff but before the next-day cutoff, it will be sent over next-day rails and will not incur same-day charges; this will apply to both legs of the transfer if applicable. The transaction limit for a Same-day ACH transfer is $1,000,000. Authorization requests sent with an amount greater than $1,000,000 will fail.
For transfers submitted as rtp, Plaid will automatically route between Real Time Payment rail by TCH or FedNow rails as necessary. If a transfer is submitted as rtp and the counterparty account is not eligible for RTP, the /transfer/authorization/create request will fail with an INVALID_FIELD error code. To pre-check to determine whether a counterparty account can support RTP, call /transfer/capabilities/get before calling /transfer/authorization/create.
Wire transfers are currently in early availability. To request access to wire as a payment network, contact your Account Manager. For transfers submitted as wire, the type must be credit; wire debits are not supported. The cutoff to submit a wire payment is 4:30 PM Eastern Time on a business day; wires submitted after that time will be processed on the next business day. The transaction limit for a wire is $999,999.99. Authorization requests sent with an amount greater than $999,999.99 will fail.

Possible values: ach, same-day-ach, rtp, wire
wire_details
nullableobjectnullable, object
Information specific to wire transfers.
message_to_beneficiary
nullablestringnullable, string
Additional information from the wire originator to the beneficiary. Max 140 characters.
cancellable
booleanboolean
When true, you can still cancel this transfer.
failure_reason
nullableobjectnullable, object
The failure reason if the event type for a transfer is "failed" or "returned". Null value otherwise.
failure_code
nullablestringnullable, string
The failure code, e.g. R01. A failure code will be provided if and only if the transfer status is returned. See ACH return codes for a full listing of ACH return codes and RTP/RfP error codes for RTP error codes.
ach_return_code
deprecatednullablestringdeprecated, nullable, string
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
stringstring
A human-readable description of the reason for the failure or reversal.
metadata
nullableobjectnullable, 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
stringstring
The currency of the transfer amount, e.g. "USD"
standard_return_window
nullablestringnullable, string
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
nullablestringnullable, string
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
nullablestringnullable, string
The date when settlement will occur between Plaid and the receiving bank (RDFI). For ACH debits, this is the date funds will be pulled from the bank account being debited. For ACH credits, this is the date funds will be delivered to the bank account being credited. Only set for ACH transfers; null for non-ACH transfers. This will be of the form YYYY-MM-DD.

Format: date
expected_funds_available_date
nullablestringnullable, string
The expected date when funds from a transfer will be made available and can be withdrawn from the associated ledger balance, assuming the debit does not return before this date. If the transfer does return before this date, this field will be null. Only applies to debit transfers. This will be of the form YYYY-MM-DD.

Format: date
originator_client_id
nullablestringnullable, string
The Plaid client ID that is the originator of this transfer. Only present if created on behalf of another client as a Platform customer.
refunds
[object][object]
A list of refunds associated with this transfer.
id
stringstring
Plaid’s unique identifier for a refund.
transfer_id
stringstring
The ID of the transfer to refund.
amount
stringstring
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
status
stringstring
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. settled: Credits have been refunded to the Plaid linked account. cancelled: The refund was cancelled by the client. failed: The refund has failed. returned: The refund was returned.

Possible values: pending, posted, cancelled, failed, settled, returned
failure_reason
nullableobjectnullable, object
The failure reason if the event type for a refund is "failed" or "returned". Null value otherwise.
failure_code
nullablestringnullable, string
The failure code, e.g. R01. A failure code will be provided if and only if the refund status is returned. See ACH return codes for a full listing of ACH return codes and RTP/RfP error codes for RTP error codes.
ach_return_code
deprecatednullablestringdeprecated, nullable, string
The ACH return code, e.g. R01. A return code will be provided if and only if the refund status is returned. For a full listing of ACH return codes, see Transfer errors. This field is deprecated in favor of the more versatile failure_code, which encompasses non-ACH failure codes as well.
description
stringstring
A human-readable description of the reason for the failure or reversal.
ledger_id
nullablestringnullable, string
Plaid’s unique identifier for a Plaid Ledger Balance.
created
stringstring
The datetime when this refund was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
network_trace_id
nullablestringnullable, string
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For ach or same-day-ach transfers, this is the ACH trace number. For rtp transfers, this is the Transaction Identification number. For wire transfers, this is the IMAD (Input Message Accountability Data) number.
recurring_transfer_id
nullablestringnullable, string
The id of the recurring transfer if this transfer belongs to a recurring transfer.
expected_sweep_settlement_schedule
[object][object]
The expected sweep settlement schedule of this transfer, assuming this transfer is not returned. Only applies to ACH debit transfers.
sweep_settlement_date
stringstring
The settlement date of a sweep for this transfer.

Format: date
swept_settled_amount
stringstring
The accumulated amount that has been swept by sweep_settlement_date.
credit_funds_source
deprecatednullablestringdeprecated, nullable, string
This field is now deprecated. You may ignore it for transfers created on and after 12/01/2023.
Specifies the source of funds for the transfer. Only valid for credit transfers, and defaults to sweep if not specified. This field is not specified for debit transfers.
sweep - Sweep funds from your funding account prefunded_rtp_credits - Use your prefunded RTP credit balance with Plaid prefunded_ach_credits - Use your prefunded ACH credit balance with Plaid

Possible values: sweep, prefunded_rtp_credits, prefunded_ach_credits, null
facilitator_fee
stringstring
The amount to deduct from transfer.amount and distribute to the platform’s Ledger balance as a facilitator fee (decimal string with two digits of precision e.g. "10.00"). The remainder will go to the end-customer’s Ledger balance. This must be value greater than 0 and less than or equal to the transfer.amount.
network_trace_id
nullablestringnullable, string
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For ach or same-day-ach transfers, this is the ACH trace number. For rtp transfers, this is the Transaction Identification number. For wire transfers, this is the IMAD (Input Message Accountability Data) number.
request_id
stringstring
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    "authorization_id": "c9f90aa1-2949-c799-e2b6-ea05c89bb586",
5    "ach_class": "ppd",
6    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
7    "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
8    "ledger_id": "563db5f8-4c95-4e17-8c3e-cb988fb9cf1a",
9    "type": "credit",
10    "user": {
11      "legal_name": "Anne Charleston",
12      "phone_number": "510-555-0128",
13      "email_address": "acharleston@email.com",
14      "address": {
15        "street": "123 Main St.",
16        "city": "San Francisco",
17        "region": "CA",
18        "postal_code": "94053",
19        "country": "US"
20      }
21    },
22    "amount": "12.34",
23    "description": "payment",
24    "created": "2020-08-06T17:27:15Z",
25    "refunds": [],
26    "status": "pending",
27    "network": "ach",
28    "cancellable": true,
29    "guarantee_decision": null,
30    "guarantee_decision_rationale": null,
31    "failure_reason": null,
32    "metadata": {
33      "key1": "value1",
34      "key2": "value2"
35    },
36    "origination_account_id": "",
37    "iso_currency_code": "USD",
38    "standard_return_window": "2023-08-07",
39    "unauthorized_return_window": "2023-10-07",
40    "expected_settlement_date": "2023-08-04",
41    "originator_client_id": "569ed2f36b3a3a021713abc1",
42    "recurring_transfer_id": null,
43    "credit_funds_source": "sweep",
44    "facilitator_fee": "1.23",
45    "network_trace_id": null
46  },
47  "request_id": "saKrIBuEB9qJZno"
48}

/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

client_id
stringstring
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
stringstring
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
requiredstringrequired, string
Plaid’s unique identifier for a transfer.
reason_code
stringstring
Specifies the reason for cancelling transfer. This is required for RfP transfers, and will be ignored for other networks.
"AC03" - Invalid Creditor Account Number
"AM09" - Incorrect Amount
"CUST" - Requested By Customer - Cancellation requested
"DUPL" - Duplicate Payment
"FRAD" - Fraudulent Payment - Unauthorized or fraudulently induced
"TECH" - Technical Problem - Cancellation due to system issues
"UPAY" - Undue Payment - Payment was made through another channel
"AC14" - Invalid or Missing Creditor Account Type
"AM06" - Amount Too Low
"BE05" - Unrecognized Initiating Party
"FOCR" - Following Refund Request
"MS02" - No Specified Reason - Customer
"MS03" - No Specified Reason - Agent
"RR04" - Regulatory Reason
"RUTA" - Return Upon Unable To Apply

Possible values: AC03, AM09, CUST, DUPL, FRAD, TECH, UPAY, AC14, AM06, BE05, FOCR, MS02, MS03, RR04, RUTA
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
stringstring
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}