Recurring transfers

API reference for recurring transfer endpoints and webhooks

Recurring transfers

For how-to guidance, see the recurring transfers documentation.

Recurring Transfer endpoints
/transfer/recurring/createCreate a recurring transfer
/transfer/recurring/cancelCancel a recurring transfer
/transfer/recurring/getRetrieve information about a recurring transfer
/transfer/recurring/listRetrieve a list of recurring transfers
Webhooks
RECURRING_CANCELLEDA recurring transfer has been cancelled by Plaid
RECURRING_NEW_TRANSFERA new transfer of a recurring transfer has been originated
RECURRING_TRANSFER_SKIPPEDAn instance of a scheduled recurring transfer could not be created

Endpoints

/transfer/recurring/create

Create a recurring transfer

Use the /transfer/recurring/create endpoint to initiate a new recurring transfer. This capability is not currently supported for Transfer UI or Platform Payments (beta) customers.

transfer/recurring/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.
idempotency_key
requiredstringrequired, string
A random key provided by the client, per unique recurring transfer. Maximum of 50 characters.
The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. For example, if a request to create a recurring fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single recurring transfer is created.

Max length: 50
account_id
requiredstringrequired, string
The Plaid account_id corresponding to the end-user account that will be debited or credited.
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
Networks eligible for recurring transfers.

Possible values: ach, same-day-ach, rtp
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
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.
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.
description
requiredstringrequired, string
The description of the recurring transfer.
test_clock_id
stringstring
Plaid’s unique identifier for a test clock. This field may only be used when using the sandbox environment. If provided, the created recurring_transfer is associated with the test_clock. New originations are automatically generated when the associated test_clock advances. For more details, see Simulating recurring transfers.
schedule
requiredobjectrequired, object
The schedule that the recurring transfer will be executed on.
interval_unit
requiredstringrequired, string
The unit of the recurring interval.

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

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

Format: date
user
requiredobjectrequired, object
The legal name and other information for the account holder.
legal_name
requiredstringrequired, string
The user's legal 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.
ip_address
requiredstringrequired, string
The IP address of the device being used to initiate the authorization.
user_agent
requiredstringrequired, string
The user agent of the device being used to initiate the authorization.
1const request: TransferRecurringCreateRequest = {
2  access_token: 'access-sandbox-71e02f71-0960-4a27-abd2-5631e04f2175',
3  account_id: '3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr',
4  type: 'credit',
5  network: 'ach',
6  amount: '12.34',
7  ach_class: 'ppd',
8  description: 'payment',
9  idempotency_key: '12345',
10  schedule: {
11    start_date: '2022-10-01',
12    end_date: '20223-10-01',
13    interval_unit: 'week',
14    interval_count: 1,
15    interval_execution_day: 5
16  }
17  user: {
18    legal_name: 'Anne Charleston',
19  },
20};
21

22try {
23  const response = await client.transferRecurringCreate(request);
24  const recurringTransferId = response.data.recurring_transfer.recurring_transfer_id;
25} catch (error) {
26  // handle error
27}
transfer/recurring/create

Response fields and example

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

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

Format: date
test_clock_id
nullablestringnullable, string
Plaid’s unique identifier for a test clock.
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
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.
status
stringstring
The status of the recurring transfer.
active: The recurring transfer is currently active. cancelled: The recurring transfer was cancelled by the client or Plaid. expired: The recurring transfer has completed all originations according to its recurring schedule.

Possible values: active, cancelled, expired
ach_class
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
network
stringstring
Networks eligible for recurring transfers.

Possible values: ach, same-day-ach, rtp
account_id
stringstring
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
stringstring
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
iso_currency_code
stringstring
The currency of the transfer amount, e.g. "USD"
description
stringstring
The description of the recurring transfer.
transfer_ids
[string][string]
The created transfer instances associated with this recurring_transfer_id. If the recurring transfer has been newly created, this array will be empty.
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").
schedule
objectobject
The schedule that the recurring transfer will be executed on.
interval_unit
stringstring
The unit of the recurring interval.

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

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

Format: date
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.
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  "recurring_transfer": {
3    "recurring_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
4    "created": "2022-07-05T12:48:37Z",
5    "next_origination_date": "2022-10-28",
6    "test_clock_id": "b33a6eda-5e97-5d64-244a-a9274110151c",
7    "status": "active",
8    "amount": "12.34",
9    "description": "payment",
10    "type": "debit",
11    "ach_class": "ppd",
12    "network": "ach",
13    "origination_account_id": "",
14    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
15    "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
16    "iso_currency_code": "USD",
17    "transfer_ids": [],
18    "user": {
19      "legal_name": "Anne Charleston",
20      "phone_number": "510-555-0128",
21      "email_address": "acharleston@email.com",
22      "address": {
23        "street": "123 Main St.",
24        "city": "San Francisco",
25        "region": "CA",
26        "postal_code": "94053",
27        "country": "US"
28      }
29    },
30    "schedule": {
31      "start_date": "2022-10-01",
32      "end_date": "2023-10-01",
33      "interval_unit": "week",
34      "interval_count": 1,
35      "interval_execution_day": 5
36    }
37  },
38  "decision": "approved",
39  "decision_rationale": null,
40  "request_id": "saKrIBuEB9qJZno"
41}

/transfer/recurring/cancel

Cancel a recurring transfer.

Use the /transfer/recurring/cancel endpoint to cancel a recurring transfer. Scheduled transfer that hasn't been submitted to bank will be cancelled.

transfer/recurring/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.
recurring_transfer_id
requiredstringrequired, string
Plaid’s unique identifier for a recurring transfer.
1const request: TransferRecurringCancelRequest = {
2  recurring_transfer_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3};
4

5try {
6  const response = await client.transferRecurringCancel(request);
7} catch (error) {
8  // handle error
9}
transfer/recurring/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/recurring/get

Retrieve a recurring transfer

The /transfer/recurring/get fetches information about the recurring transfer corresponding to the given recurring_transfer_id.

transfer/recurring/get

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.
recurring_transfer_id
requiredstringrequired, string
Plaid’s unique identifier for a recurring transfer.
1const request: TransferRecurringGetRequest = {
2  recurring_transfer_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3};
4

5try {
6  const response = await client.transferRecurringGet(request);
7  const recurringTransferId =
8    response.data.recurring_transfer.recurring_transfer_id;
9} catch (error) {
10  // handle error
11}
transfer/recurring/get

Response fields and example

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

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

Format: date
test_clock_id
nullablestringnullable, string
Plaid’s unique identifier for a test clock.
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
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.
status
stringstring
The status of the recurring transfer.
active: The recurring transfer is currently active. cancelled: The recurring transfer was cancelled by the client or Plaid. expired: The recurring transfer has completed all originations according to its recurring schedule.

Possible values: active, cancelled, expired
ach_class
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
network
stringstring
Networks eligible for recurring transfers.

Possible values: ach, same-day-ach, rtp
account_id
stringstring
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
stringstring
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
iso_currency_code
stringstring
The currency of the transfer amount, e.g. "USD"
description
stringstring
The description of the recurring transfer.
transfer_ids
[string][string]
The created transfer instances associated with this recurring_transfer_id. If the recurring transfer has been newly created, this array will be empty.
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").
schedule
objectobject
The schedule that the recurring transfer will be executed on.
interval_unit
stringstring
The unit of the recurring interval.

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

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

Format: date
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  "recurring_transfer": {
3    "recurring_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
4    "created": "2022-07-05T12:48:37Z",
5    "next_origination_date": "2022-10-28",
6    "test_clock_id": null,
7    "status": "active",
8    "amount": "12.34",
9    "description": "payment",
10    "type": "debit",
11    "ach_class": "ppd",
12    "network": "ach",
13    "origination_account_id": "",
14    "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
15    "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
16    "iso_currency_code": "USD",
17    "transfer_ids": [
18      "271ef220-dbf8-caeb-a7dc-a2b3e8a80963",
19      "c8dbaf75-2abb-e2dc-4171-12448e13b848"
20    ],
21    "user": {
22      "legal_name": "Anne Charleston",
23      "phone_number": "510-555-0128",
24      "email_address": "acharleston@email.com",
25      "address": {
26        "street": "123 Main St.",
27        "city": "San Francisco",
28        "region": "CA",
29        "postal_code": "94053",
30        "country": "US"
31      }
32    },
33    "schedule": {
34      "start_date": "2022-10-01",
35      "end_date": "2023-10-01",
36      "interval_unit": "week",
37      "interval_count": 1,
38      "interval_execution_day": 5
39    }
40  },
41  "request_id": "saKrIBuEB9qJZno"
42}

/transfer/recurring/list

List recurring transfers

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

transfer/recurring/list

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.
start_time
stringstring
The start created datetime of recurring transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

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

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

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

Default: 0
Minimum: 0
funding_account_id
stringstring
Filter recurring transfers to only those with the specified funding_account_id.
1const request: TransferRecurringListRequest = {
2  start_time: '2022-09-29T20:35:49Z',
3  end_time: '2022-10-29T20:35:49Z',
4  count: 1,
5};
6

7try {
8  const response = await client.transferRecurringList(request);
9} catch (error) {
10  // handle error
11}
transfer/recurring/list

Response fields and example

recurring_transfers
[object][object]
recurring_transfer_id
stringstring
Plaid’s unique identifier for a recurring transfer.
created
stringstring
The datetime when this transfer was created. This will be of the form 2006-01-02T15:04:05Z

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

Format: date
test_clock_id
nullablestringnullable, string
Plaid’s unique identifier for a test clock.
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
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.
status
stringstring
The status of the recurring transfer.
active: The recurring transfer is currently active. cancelled: The recurring transfer was cancelled by the client or Plaid. expired: The recurring transfer has completed all originations according to its recurring schedule.

Possible values: active, cancelled, expired
ach_class
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
network
stringstring
Networks eligible for recurring transfers.

Possible values: ach, same-day-ach, rtp
account_id
stringstring
The Plaid account_id corresponding to the end-user account that will be debited or credited.
funding_account_id
stringstring
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
iso_currency_code
stringstring
The currency of the transfer amount, e.g. "USD"
description
stringstring
The description of the recurring transfer.
transfer_ids
[string][string]
The created transfer instances associated with this recurring_transfer_id. If the recurring transfer has been newly created, this array will be empty.
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").
schedule
objectobject
The schedule that the recurring transfer will be executed on.
interval_unit
stringstring
The unit of the recurring interval.

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

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

Format: date
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  "recurring_transfers": [
3    {
4      "recurring_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
5      "created": "2022-07-05T12:48:37Z",
6      "next_origination_date": "2022-10-28",
7      "test_clock_id": null,
8      "status": "active",
9      "amount": "12.34",
10      "description": "payment",
11      "type": "debit",
12      "ach_class": "ppd",
13      "network": "ach",
14      "origination_account_id": "",
15      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
16      "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",
17      "iso_currency_code": "USD",
18      "transfer_ids": [
19        "4242fc8d-3ec6-fb38-fa0c-a8e37d03cd57"
20      ],
21      "user": {
22        "legal_name": "Anne Charleston",
23        "phone_number": "510-555-0128",
24        "email_address": "acharleston@email.com",
25        "address": {
26          "street": "123 Main St.",
27          "city": "San Francisco",
28          "region": "CA",
29          "postal_code": "94053",
30          "country": "US"
31        }
32      },
33      "schedule": {
34        "start_date": "2022-10-01",
35        "end_date": "2023-10-01",
36        "interval_unit": "week",
37        "interval_count": 1,
38        "interval_execution_day": 5
39      }
40    }
41  ],
42  "request_id": "saKrIBuEB9qJZno"
43}

Webhooks

RECURRING_NEW_TRANSFER

Fired when a new transfer of a recurring transfer is originated.

webhook_type
stringstring
TRANSFER
webhook_code
stringstring
RECURRING_NEW_TRANSFER
recurring_transfer_id
stringstring
Plaid’s unique identifier for a recurring transfer.
transfer_id
stringstring
Plaid’s unique identifier for a transfer.
environment
stringstring
The Plaid environment the webhook was sent from

Possible values: sandbox, production
1{
2  "webhook_type": "TRANSFER",
3  "webhook_code": "RECURRING_NEW_TRANSFER",
4  "recurring_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
5  "transfer_id": "271ef220-dbf8-caeb-a7dc-a2b3e8a80963",
6  "environment": "production"
7}

RECURRING_TRANSFER_SKIPPED

Fired when Plaid is unable to originate a new ACH transaction of the recurring transfer on the planned date.

webhook_type
stringstring
TRANSFER
webhook_code
stringstring
RECURRING_TRANSFER_SKIPPED
recurring_transfer_id
stringstring
Plaid’s unique identifier for a recurring transfer.
authorization_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
authorization_decision_rationale_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
skipped_origination_date
stringstring
The planned date on which Plaid is unable to originate a new ACH transaction of the recurring transfer. This will be of the form YYYY-MM-DD.

Format: date
environment
stringstring
The Plaid environment the webhook was sent from

Possible values: sandbox, production
1{
2  "webhook_type": "TRANSFER",
3  "webhook_code": "RECURRING_TRANSFER_SKIPPED",
4  "recurring_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
5  "authorization_decision": "declined",
6  "authorization_decision_rationale_code": "NSF",
7  "skipped_origination_date": "2022-11-30",
8  "environment": "production"
9}

RECURRING_CANCELLED

Fired when a recurring transfer is cancelled by Plaid.

webhook_type
stringstring
TRANSFER
webhook_code
stringstring
RECURRING_CANCELLED
recurring_transfer_id
stringstring
Plaid’s unique identifier for a recurring transfer.
environment
stringstring
The Plaid environment the webhook was sent from

Possible values: sandbox, production
1{
2  "webhook_type": "TRANSFER",
3  "webhook_code": "RECURRING_CANCELLED",
4  "recurring_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
5  "environment": "production"
6}