Initiating transfers
API reference for Transfer initiation endpoints
Initiating Transfers | |
---|---|
/transfer/authorization/create | Create a transfer authorization |
/transfer/authorization/cancel | Cancel a transfer authorization |
/transfer/create | Create a transfer |
/transfer/cancel | Cancel 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
.
There are four possible outcomes to calling this endpoint:
- If the
authorization.decision
in the response isdeclined
, the proposed transfer has failed the risk check and you cannot proceed with the transfer. - If the
authorization.decision
isuser_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 to complete the required user action. When calling/link/token/create
to get a new link token, instead of providingaccess_token
in the request, you should settransfer.authorization_id
as theauthorization.id
. After Link flow is completed, you may re-attempt the authorization. - If the
authorization.decision
isapproved
, and theauthorization.rationale_code
isnull
, the transfer has passed the risk check and you can proceed to call/transfer/create
. - If the
authorization.decision
isapproved
and theauthorization.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/createRequest 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.funding_account_id
string
Specify the account used to fund the transfer. Should be specified if using legacy funding methods only. If using Plaid Ledger, leave this field blank. Customers can find a list of
funding_account_id
s in the Accounts page of your Plaid Dashboard, under the "Account ID" column. If this field is left blank and you are using legacy funding methods, this will default to the default funding_account_id
specified during onboarding. Otherwise, Plaid Ledger will be used.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
For transfers submitted as
For transfers submitted as
Wire transfers are currently in early availability. To request access to
For transfers submitted as
ach
, the next-day cutoff is 5:30 PM Eastern Time.For transfers submitted as
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; this will apply to both legs of the transfer if applicable.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.Possible values:
ach
, same-day-ach
, rtp
, wire
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.ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
Codes supported for credits:
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 InternetPossible values:
ccd
, ppd
, tel
, web
wire_details
object
Information specific to wire transfers.
message_to_beneficiary
string
Additional information from the wire originator to the beneficiary. Max 140 characters.
user
requiredobject
The legal name and other information for the account holder. The
user.legal_name
field is required. Other fields are not currently used and are present to support planned future functionality.legal_name
requiredstring
The user's legal name. If the user is a business, provide the business 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").
device
object
Information about the device being used to initiate the authorization. These fields are not currently incorporated into the risk check.
ip_address
string
The IP address of the device being used to initiate the authorization.
user_agent
string
The user agent of the device being used to initiate the authorization.
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, 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
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.
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
boolean
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
string
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
string
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.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};1213try {14 const response = await client.transferAuthorizationCreate(request);15 const authorizationId = response.data.authorization.id;16} catch (error) {17 // handle error18}
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 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.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
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
Any non-
The following codes indicate that the authorization decision was
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/account_migration
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.
payment_risk
nullableobject
This object includes the scores and risk level. This response is offered as an add-on to /transfer/authorization/create. To request access to these fields please contact your Plaid account manager.
bank_initiated_return _score
nullableinteger
A score from 1-99 that indicates the transaction return risk: a higher risk score suggests a higher return likelihood.
The score evaluates the transaction return risk because an account is overdrawn or because an ineligible account is used and covers return codes: "R01", "R02", "R03", "R04", "R06", "R08", "R09", "R13", "R16", "R17", "R20", "R23". These returns have a turnaround time of 2 banking days.
The score evaluates the transaction return risk because an account is overdrawn or because an ineligible account is used and covers return codes: "R01", "R02", "R03", "R04", "R06", "R08", "R09", "R13", "R16", "R17", "R20", "R23". These returns have a turnaround time of 2 banking days.
Minimum:
1
Maximum:
99
customer_initiated _return_score
nullableinteger
A score from 1-99 that indicates the transaction return risk: a higher risk score suggests a higher return likelihood.
The score evaluates the transaction return risk of an unauthorized debit and covers return codes: "R05", "R07", "R10", "R11", "R29". These returns typically have a return time frame of up to 60 calendar days. During this period, the customer of financial institutions can dispute a transaction as unauthorized.
The score evaluates the transaction return risk of an unauthorized debit and covers return codes: "R05", "R07", "R10", "R11", "R29". These returns typically have a return time frame of up to 60 calendar days. During this period, the customer of financial institutions can dispute a transaction as unauthorized.
Minimum:
1
Maximum:
99
risk_level
nullablestring
Comprises five risk categories (high risk, medium-high risk, medium risk, medium-low risk, low risk) based on the probability of return
Possible values:
HIGH_RISK
, MEDIUM_HIGH_RISK
, MEDIUM_RISK
, MEDIUM_LOW_RISK
, LOW_RISK
warnings
[object]
If bank information was not available to be used in the Signal model, this array contains warnings describing why bank data is missing. If you want to receive an API error instead of Signal scores in the case of missing bank data, file a support ticket or contact your Plaid account manager.
warning_type
string
A broad categorization of the warning. Safe for programmatic use.
warning_code
string
The warning code identifies a specific kind of warning that pertains to the error causing bank data to be missing. Safe for programmatic use. For more details on warning codes, please refer to Plaid standard error codes documentation. If you receive the
ITEM_LOGIN_REQUIRED
warning, we recommend re-authenticating your user by implementing Link's update mode. This will guide your user to fix their credentials, allowing Plaid to start fetching data again for future Signal requests.warning_message
string
A developer-friendly representation of the warning type. This may change over time and is not safe for programmatic use.
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.
Codes supported for credits:
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 InternetPossible values:
ccd
, ppd
, tel
, web
account_id
string
The Plaid
account_id
for the account that will be debited or credited.funding_account_id
nullablestring
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.
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"). 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
string
The network or rails used for the transfer.
wire_details
nullableobject
Information specific to wire transfers.
message_to_beneficiary
nullablestring
Additional information from the wire originator to the beneficiary. Max 140 characters.
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 Platform customer.
credit_funds_source
deprecatednullablestring
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
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 PlaidPossible values:
sweep
, prefunded_rtp_credits
, prefunded_ach_credits
, null
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": 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 "type": "credit",15 "user": {16 "legal_name": "Anne Charleston",17 "phone_number": "510-555-0128",18 "email_address": "acharleston@email.com",19 "address": {20 "street": "123 Main St.",21 "city": "San Francisco",22 "region": "CA",23 "postal_code": "94053",24 "country": "US"25 }26 },27 "amount": "12.34",28 "network": "ach",29 "iso_currency_code": "USD",30 "origination_account_id": "",31 "originator_client_id": null,32 "credit_funds_source": "sweep"33 }34 },35 "request_id": "saKrIBuEB9qJZno"36}
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/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.
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.authorization_id
requiredstring
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 error9}
transfer/authorization/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}
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/transfer/create
Create a transfer
Use the /transfer/create
endpoint to initiate a new transfer.
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.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"). 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
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
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
test_clock_id
string
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
string
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 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 error12}
transfer/create
Response fields and example
transfer
object
Represents a transfer within the Transfers API.
id
string
Plaid’s unique identifier for a transfer.
authorization_id
string
Plaid’s unique identifier for a transfer authorization.
ach_class
string
Specifies the use case of the transfer. Required for transfers on an ACH network.
Codes supported for credits:
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 InternetPossible 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
nullablestring
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.
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"). 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
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.
funds_available
: Funds from the transfer have been released from hold and applied to the ledger's available balance. (Only applicable to ACH debits.)
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
, funds_available
, 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
For transfers submitted as
For transfers submitted as
Wire transfers are currently in early availability. To request access to
For transfers submitted as
ach
, the next-day cutoff is 5:30 PM Eastern Time.For transfers submitted as
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; this will apply to both legs of the transfer if applicable.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.Possible values:
ach
, same-day-ach
, rtp
, wire
wire_details
nullableobject
Information specific to wire transfers.
message_to_beneficiary
nullablestring
Additional information from the wire originator to the beneficiary. Max 140 characters.
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
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
The expected date when the full amount of the transfer settles at the consumers’ account, if the transfer is credit; or at the customer's business checking account, if the transfer is debit. Only set for ACH transfers and is null for non-ACH transfers. Only set for 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 Platform customer.
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.
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
nullableobject
The failure reason if the event type for a refund 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 refund 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.
created
string
The datetime when this refund was created. This will be of the form
2006-01-02T15:04:05Z
Format:
date-time
network_trace_id
nullablestring
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For
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
nullablestring
The id of the recurring transfer if this transfer belongs to a recurring transfer.
expected_sweep _settlement_schedule
[object]
The expected sweep settlement schedule of this transfer, assuming this transfer is not
returned
. Only applies to ACH debit transfers.sweep_settlement_date
string
The settlement date of a sweep for this transfer.
Format:
date
swept_settled_amount
string
The accumulated amount that has been swept by
sweep_settlement_date
.credit_funds_source
deprecatednullablestring
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
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 PlaidPossible values:
sweep
, prefunded_rtp_credits
, prefunded_ach_credits
, null
facilitator_fee
string
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 less than or equal to the transfer.amount
.network_trace_id
nullablestring
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For
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
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 "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 "type": "credit",9 "user": {10 "legal_name": "Anne Charleston",11 "phone_number": "510-555-0128",12 "email_address": "acharleston@email.com",13 "address": {14 "street": "123 Main St.",15 "city": "San Francisco",16 "region": "CA",17 "postal_code": "94053",18 "country": "US"19 }20 },21 "amount": "12.34",22 "description": "payment",23 "created": "2020-08-06T17:27:15Z",24 "refunds": [],25 "status": "pending",26 "network": "ach",27 "cancellable": true,28 "guarantee_decision": null,29 "guarantee_decision_rationale": null,30 "failure_reason": null,31 "metadata": {32 "key1": "value1",33 "key2": "value2"34 },35 "origination_account_id": "",36 "iso_currency_code": "USD",37 "standard_return_window": "2023-08-07",38 "unauthorized_return_window": "2023-10-07",39 "expected_settlement_date": "2023-08-04",40 "originator_client_id": "569ed2f36b3a3a021713abc1",41 "recurring_transfer_id": null,42 "credit_funds_source": "sweep",43 "facilitator_fee": "1.23",44 "network_trace_id": null45 },46 "request_id": "saKrIBuEB9qJZno"47}
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/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
.
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_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 error9}
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}