Transfers

To move funds between accounts within the system or to external banks customers must have an account/card opened in advance. Transfers API may have different requirements depending on the type of transfer (internal/wire). Amount, currency, debtor, and creditor are required for all requests.

Debtor is the customer from which the funds will be deducted.

Creditor is the customer/external account that will receive the funds.

Internal Transfers

Internal transfers can be initiated between accounts/cards in the system using several identifiers like balance identifier, IBAN, Sort Code and Account Number.

As a response from the API call, a transaction identifier will be received when transfer is successful. The transfer is a real-time operation, meaning that in case a transaction identifier is received the transfer has been completed.

Wire Transfers

For wire transfer account must have IBAN or account number generated for a specific payment network. The network is routed depending on the currency and/or program configurations.

For most wire transfers there are additional requirements for creditor name, address, and country (depending on the network).

Debtor name, address, and country will also be required in case they are missing in the customer profile.

A response from the API call, a transaction identifier will be received when the transfer is successfully initiated. Wire transfers are not processed in real-time the way internal transfers are. There might be a delay between several seconds to several days depending on the payment network. When the transfer has been processed a webhook (link to webhook) with the status of the transfer will be sent.

Endpoint

POST   /v2/transfers

Operation

transfer

Request Structure

amount number (0,any)

Amount to be deducted from customer account

currency string (0,any)

Available Options: EUR , BGN , GBP

code string (0,any)

link string (0,any)

Link to another transaction

reference string (0,any)

reference2 string (0,any)

reference3 string (0,any)

reference4 string (0,any)

origin_of_funds string (0,any)

Available Options:

description string (0,any)

is_instant boolean

Only for SEPA transfers (EUR)

cop string (0,any)

Confirmatino of Payee token

Request


                   
               

           

       

    
            

            

                
    


                    

                                    Response
                                Structure
            

        
                    

                

                    code
                    integer
                                            (0,any)
                                                        


                


                
                
                            

        

    


            

            

                
Response


                

                    

                    
                

            

        

    
            

            
Errors


            

                                

                    
                        

                            
11000

                            
services.general.error

                        

                    
                

                                

                    
                        

                            
11001

                            
services.general.validation_error

                        

                    
                

                                

                    
                        

                            
16013

                            
services.balances.balance_not_updated

                        

                    
                

                                

                    
                        

                            
16014

                            
services.balances.insufficient_funds

                        

                    
                

                                

                    
                        

                            
16015

                            
services.balances.debtor_balance_not_found

                        

                    
                

                                

                    
                        

                            
16016

                            
services.balances.creditor_balance_not_found

                        

                    
                

                                

                    
                        

                            
16017

                            
services.balances.conversion_rate_not_available

                        

                    
                

                                

                    
                        

                            
16018

                            
services.balances.blocked_amount

                        

                    
                

                                

                    
                        

                            
16019

                            
services.balances.transfer_to_same_balance

                        

                    
                

                                

                    
                        

                            
16020

                            
services.balances.transfer_to_same_main_account

                        

                    
                

                                

                    
                        

                            
20001

                            
services.balances.sepa_instant_not_supported_by_creditor_bank