Create Transfer

POSThttps://bank.dattaremit.com/api/transfers

Requires a bank-scoped key.

Creates a transfer.

## State

State	Description
storing	The Platform is storing the transfer details in our private store
reviewing	The Platform is reviewing the transfer for compliance
pending	The Platform is executing the transfer
completed	The Platform has successfully completed the transfer
failed	The Platform was not able to successfully complete the transfer

## Failure codes

Code	Description
amount_too_low	The transfer was rejected due to the amount being too low
cancelled	The transfer was manually cancelled
compliance_rejection	The transfer was rejected for compliance reasons
internal_error	An internal error occurred while processing the transfer, please try again
invalid_address	The destination address is invalid for transfer
invalid_balance	There was insufficient balance for all required currencies to complete the transfer
return_risk_exceeded	The risk of return is too high for this activity to be completed
limit_exceeded	The customer is over the limits that have been set for them for this activity
daily_limit_exceeded	The customer is over their daily limits for this activity
weekly_limit_exceeded	The customer is over their weekly limits for this activity
monthly_limit_exceeded	The customer is over their monthly limits for this activity
network_fee_too_low	The transfer was rejected due to the network fee being too low
non_sufficient_funds	The customer does not have enough funds to complete the transfer
party_name_invalid	The transfer's associated external bank account has an invalid party name
payment_rail_invalid	The payment rail specified for the transfer is not supported by the external bank account
payment_request_expired	The payment request expired before it could be completed
plaid_access_not_granted	See the description from Plaid [here](https://plaid.com/docs/errors/item/#access_not_granted)
plaid_institution_not_responding	See the description from Plaid [here](https://plaid.com/docs/errors/institution/#institution_not_responding)
plaid_internal_server_error	See the description from Plaid [here](https://plaid.com/docs/errors/api/#internal_server_error-or-plaid-internal-error)
plaid_item_not_found	See the description from Plaid [here](https://plaid.com/docs/errors/item/#item_not_found)
plaid_item_not_supported	See the description from Plaid [here](https://plaid.com/docs/errors/item/#item_not_supported)
plaid_multiple_accounts	Multiple accounts were selected through Plaid Link.
plaid_no_accounts	See the description from Plaid [here](https://plaid.com/docs/errors/item/#no_accounts)
plaid_none_balances_error	The transfer was rejected due to an error with the balances retrieved by Plaid
plaid_unknown_error	See the description from Plaid [here](https://plaid.com/docs/errors/api/#unknown_error)
refresh_required	The transfer's associated external_bank_account needs to be reconnected via Plaid
invalid_destination	Issues with the destination details (invalid, closed, blocked)
customer_action_required	Authorization declined or customer action required
external_vendor_error	Unexpected error occurred with an external vendor or partner service during transfer processing
reversed	The transfer was reversed

## Failure codes that will result in a state change for the associated external bank account

Code	Description
refresh_required	The transfer was rejected due to the external bank account needing to be refreshed. The external bank account will be put in the state `refresh_required`
plaid_access_not_granted	The transfer was rejected due to the external bank account needing to be reconnected via Plaid. The external bank account will be put in the state `deleted`
plaid_item_not_found	The transfer was rejected due to the external bank account needing to be reconnected via Plaid. The external bank account will be put in the state `deleted`
plaid_item_not_supported	The transfer was rejected because the account is not supported. A different account should be connected via Plaid. The external bank account will be put in the state `deleted`
plaid_multiple_accounts	The transfer was rejected because multiple accounts were selected through Plaid Link. Only one account must be selected. The external bank account will be put in the state `deleted`
plaid_no_accounts	The transfer was rejected because no compatible accounts could be found. The external bank account will be put in the state `deleted`

Required scope: transfers:execute

Body Params

required

quote_guidstringrequired

The associated quote's identifier.

The type of transfer.

external_bank_account_guidstring

The customer's 'plaid', 'plaid_processor_token', or 'raw_routing_details' external bank account's identifier. Required for ACH, EFT, WIRE, and RTP payment rails. Not used for e-transfer rail. Required when transfer_type is instant_funding. Optional when transfer_type is funding.

fiat_account_guidstring

The identifier for the fiat account to use for the transfer. Required if the customer or bank has multiple fiat accounts. Optional when transfer_type is funding.

send_as_deposit_bank_account_guidstring

The deposit bank account's identifier. Only valid for withdrawals. The deposit bank account must be owned by the customer or bank initiating the transfer. Optional when transfer_type is funding.

payment_railach | eft | wire | rtp | etransfer

The desired payment rail to initiate the transfer for. Optional when transfer_type is funding.

beneficiary_memostring

The memo to send to the counterparty. Optional when transfer_type is funding.

security_questionstring

The security question to send with an Interac E-Transfer withdrawal. Only accepted for e-transfer rail withdrawals; must be paired with security_answer. Optional when transfer_type is funding.

security_answerstring

The security answer the recipient must provide to claim an Interac E-Transfer. Only accepted for e-transfer rail withdrawals; must be paired with security_question. Optional when transfer_type is funding.

source_participantsobject[]

The source participants for the transfer. Required when transfer_type is funding, transfer_type is instant_funding, transfer_type is book, transfer_type is crypto, or transfer_type is lightning.

destination_participantsobject[]

The destination participants for the transfer. Required when transfer_type is funding, transfer_type is instant_funding, transfer_type is book, transfer_type is crypto, or transfer_type is lightning.

sardine_session_guidstring

The GUID of a previously created Sardine session. Used to correlate device signals from the Sardine SDK with the transfer screening. Optional when transfer_type is funding or transfer_type is instant_funding.

bank_fiat_account_guidstring

The identifier for the fiat account to use for the transfer. Required if the bank has multiple fiat accounts. Optional when transfer_type is instant_funding or transfer_type is lightning.

customer_fiat_account_guidstring

The identifier for the fiat account to use for the transfer. Required if the customer has multiple fiat accounts. Optional when transfer_type is instant_funding or transfer_type is lightning.

source_account_guidstring

The source account's identifier. Required when transfer_type is book or transfer_type is inter_account.

destination_account_guidstring

The destination account's identifier. Required when transfer_type is book or transfer_type is inter_account.

external_wallet_guidstring

The customer's external wallet's identifier. Optional when transfer_type is crypto.

customer_guidstring

The customer's identifier. Required when transfer_type is lightning.

network_fee_account_guidstring

The network fee account's identifier. Required for network fee transfers. Must be the identifier for the customer's or bank's fiat or trading account. For customer's to pay the network fees, include the customer's fiat or trading account guid. For bank's to pay the network fees, include the bank's fiat or trading account guid. Required when transfer_type is lightning.

expected_behavioursstring[]

The optional expected behaviour to simulate. Only applicable for transfers under sandbox banks. The force_review behaviour will force the transfer to be reviewed for funding and instant_funding transfers.

labelsstring[]

The labels associated with the transfer.

Responses

201

Transfer created

401

Unauthorized

403

Forbidden

409

Conflict

422

Unprocessable Content

Request

curl https://api.dattaremit.com/api/transfers \
  -X POST \
  -H "Authorization: Bearer sk_test_YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "quote_guid": "string",
  "transfer_type": "funding",
  "external_bank_account_guid": "string",
  "fiat_account_guid": "string",
  "send_as_deposit_bank_account_guid": "string",
  "payment_rail": "ach",
  "beneficiary_memo": "string",
  "security_question": "string",
  "security_answer": "string",
  "source_participants": [
    {
      "type": "bank",
      "amount": 1,
      "guid": "string"
    }
  ],
  "destination_participants": [
    {
      "type": "bank",
      "amount": 1,
      "guid": "string"
    }
  ],
  "sardine_session_guid": "string",
  "bank_fiat_account_guid": "string",
  "customer_fiat_account_guid": "string",
  "source_account_guid": "string",
  "destination_account_guid": "string",
  "external_wallet_guid": "string",
  "customer_guid": "string",
  "network_fee_account_guid": "string",
  "expected_behaviours": [
    "force_review"
  ],
  "labels": [
    "string"
  ]
}'

Response

Transfer created

{
  "guid": "string",
  "transfer_type": "string",
  "bank_guid": "string",
  "customer_guid": "string",
  "quote_guid": "string",
  "external_bank_account_guid": "string",
  "asset": "string",
  "side": "string",
  "state": "string",
  "failure_code": "string",
  "return_code": "string",
  "amount": 1,
  "estimated_amount": 1,
  "fee": 1,
  "fee_details": [
    {
      "type": "bank",
      "asset": "string",
      "amount": 1
    }
  ],
  "estimated_network_fee": 1,
  "network_fee": 1,
  "network_fee_asset": "string",
  "network_fee_liability_amount": 1,
  "network_fee_liability_amount_asset": "string",
  "txn_hash": "string",
  "identifiers": [
    {
      "type": "txn_hash",
      "value": "string"
    }
  ],
  "reference_transfer_guid": "string",
  "source_account": {
    "guid": "string",
    "type": "string",
    "bank_guid": "string",
    "customer_guid": "string"
  },
  "source_participants": [
    {
      "type": "string",
      "amount": 1,
      "guid": "string"
    }
  ],
  "destination_account": {
    "guid": "string",
    "type": "string",
    "bank_guid": "string",
    "customer_guid": "string"
  },
  "destination_participants": [
    {
      "type": "string",
      "amount": 1,
      "guid": "string"
    }
  ],
  "deposit_address_guid": "string",
  "created_at": "2026-07-20T16:27:51.438Z",
  "updated_at": "2026-07-20T16:27:51.438Z",
  "hold_details": {
    "applicable_types": [
      "string"
    ],
    "duration": 1,
    "started_at": "2026-07-20T16:27:51.438Z"
  },
  "transfer_details": {},
  "payment_rail": "string",
  "external_id": "string",
  "labels": [
    "string"
  ],
  "entries": [
    {
      "amount": 1,
      "fee": 1,
      "source_account": {
        "guid": "string",
        "type": "string",
        "bank_guid": "string",
        "customer_guid": "string"
      },
      "destination_account": {
        "guid": "string",
        "type": "string",
        "bank_guid": "string",
        "customer_guid": "string"
      }
    }
  ]
}