This API is used to send money to the customer's saved bank account (ACH credit).

It returns 201 with the transfer status (usually pending) and the transaction. The final status (settled or returned) arrives later through the ach.status.changed webhook and shows in List transactions.

Note: Requires the Idempotency-Key header: an ACH credit can't be undone, so the same key never sends money twice. If the request fails before anything is sent, you can retry with the same key. Amounts are in cents.

URL

{{interface_url}}/{{version}}/customers/{{customer_id}}/transfers/out

Method

POST

Headers

Authorization: Bearer {access_token} (or Api-Key), Idempotency-Key: {unique value per operation}

Request Parameters

URL Parameters

Example Request (cURL)

curl --location --request POST '{{interface_url}}/{{version}}/customers/{{customer_id}}/transfers/out' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {{access_token}}' \
--header 'Idempotency-Key: {{$guid}}' \
--data '{
  "payment_method_id": 90312,
  "amount": 1000
}'

Example Response (JSON) — 201

{
  "status": "pending",
  "amount": 1000,
  "payment_method_id": 90312,
  "transaction": {
    "id": 1048830,
    "date": "2026-11-05T18:30:00Z",
    "type": "ach_transfer",
    "status": "pending",
    "amount": 1000,
    "method": {
      "type": "ach",
      "last4": "6789"
    }
  }
}

Error Responses

Format: { "error": { "code", "name", "message", "details" } }