To execute a transfer, use the POST /transfers operation and provide the body parameters as shown in the table below.

Parameter	Type	Description
`origination_account_id` ^required	string	Bond account UUID (36 characters) for the originating account, for example `6f0e7dcb-6073-42df-bf02-ce71bd5fac3b`.
`destination_account_id` ^required	string	Bond account UUID (36 characters) for the transfer destination account, for example `6f0e7dcb-6073-42df-bf02-ce71bd5fac3b`.
`description`	string	Freeform description for the transfer.
`amount` ^required	string	Transfer amount as a decimal string, for example `8550` being $85.50. Currently only USD is supported.
`ach` ^{required if the origination or destination account is an external account}	object	Details of the `ach` transfer to be made, as shown in the ach object table below.

The ach object has the structure shown in the table below.

ACH object	Type	Description
`class_code` ^required	string	ACH Standard Entry Class (SEC) code. One of: `ARC`, `CBR`, `CCD`, `CIE`, `COR`, `CTX`, `IAT`, `MTE`, `PBR`, `POP`, `POS`, `PPD`, `RCK`, `TEL`, `WEB`
`same_day` ^required	boolean	ACH transfer network. Either `false`=standard, or `true`=same-day-ach.

Internal account-to-account transfers

An example of a request to make a $10.00 internal transfer is shown below.

curl --request POST \
     --url https://sandbox.bond.tech/api/v0.1/transfers \
     --header 'Accept: application/json' \
     --header 'Authorization: YOUR-AUTHORIZATION' \
     --header 'Content-Type: application/json' \
     --header 'Identity: YOUR-IDENTITY' \
     --data '
{
     "origination_account_id": "6f0e7dcb-6073-42df-bf02-ce71bd5fac3b",
     "destination_account_id": "225641a5-f6e4-4ae1-b5e0-326e6b98842e",
     "description": "GIFT",
     "amount": 1000
}
'

require 'uri'
require 'net/http'
require 'openssl'

url = URI("https://sandbox.bond.tech/api/v0.1/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Accept"] = 'application/json'
request["Content-Type"] = 'application/json'
request["Identity"] = 'YOUR-IDENTITY'
request["Authorization"] = 'YOUR-AUTHORIZATION'
request.body = "{\"origination_account_id\":\"6f0e7dcb-6073-42df-bf02-ce71bd5fac3b\",\"destination_account_id\":\"225641a5-f6e4-4ae1-b5e0-326e6b98842e\",\"description\":\"GIFT\",\"amount\":1000}"

response = http.request(request)
puts response.read_body

const options = {
  method: 'POST',
  headers: {
    Accept: 'application/json',
    'Content-Type': 'application/json',
    Identity: 'YOUR-IDENTITY',
    Authorization: 'YOUR-AUTHORIZATION'
  },
  body: JSON.stringify({
    origination_account_id: '6f0e7dcb-6073-42df-bf02-ce71bd5fac3b',
    destination_account_id: '225641a5-f6e4-4ae1-b5e0-326e6b98842e',
    description: 'GIFT',
    amount: 1000
  })
};

fetch('https://sandbox.bond.tech/api/v0.1/transfers', options)
  .then(response => response.json())
  .then(response => console.log(response))
  .catch(err => console.error(err));

import requests

url = "https://sandbox.bond.tech/api/v0.1/transfers"

payload = {
    "origination_account_id": "6f0e7dcb-6073-42df-bf02-ce71bd5fac3b",
    "destination_account_id": "225641a5-f6e4-4ae1-b5e0-326e6b98842e",
    "description": "GIFT",
    "amount": 1000
}
headers = {
    "Accept": "application/json",
    "Content-Type": "application/json",
    "Identity": "YOUR-IDENTITY",
    "Authorization": "YOUR-AUTHORIZATION"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

var client = new RestClient("https://sandbox.bond.tech/api/v0.1/transfers");
var request = new RestRequest(Method.POST);
request.AddHeader("Accept", "application/json");
request.AddHeader("Content-Type", "application/json");
request.AddHeader("Identity", "YOUR-IDENTITY");
request.AddHeader("Authorization", "YOUR-AUTHORIZATION");
request.AddParameter("application/json", "{\"origination_account_id\":\"6f0e7dcb-6073-42df-bf02-ce71bd5fac3b\",\"destination_account_id\":\"225641a5-f6e4-4ae1-b5e0-326e6b98842e\",\"description\":\"GIFT\",\"amount\":1000}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);

OkHttpClient client = new OkHttpClient();

MediaType mediaType = MediaType.parse("application/json");
RequestBody body = RequestBody.create(mediaType, "{\"origination_account_id\":\"6f0e7dcb-6073-42df-bf02-ce71bd5fac3b\",\"destination_account_id\":\"225641a5-f6e4-4ae1-b5e0-326e6b98842e\",\"description\":\"GIFT\",\"amount\":1000}");
Request request = new Request.Builder()
  .url("https://sandbox.bond.tech/api/v0.1/transfers")
  .post(body)
  .addHeader("Accept", "application/json")
  .addHeader("Content-Type", "application/json")
  .addHeader("Identity", "YOUR-IDENTITY")
  .addHeader("Authorization", "YOUR-AUTHORIZATION")
  .build();

Response response = client.newCall(request).execute();

An example of a response to a successful internal transfer request is shown below. The response includes the unique transfer_id representing the transfer. Note that the transfer amount is expressed as a decimal string in cents.

{
  "date_created": "2020-10-09T17:14:09.686688",
  "date_updated": "2020-10-09T17:14:09.686688",
  "date_settled": "2020-10-13T17:14:09.686688",
  "transfer_id": "4ead6cdc-77eb-45fa-9959-3f166385a60a",
  "transaction_id": "0fec1e58-b197-4052-99cf-2218496c5482",
  "origination_account_id": "6f0e7dcb-6073-42df-bf02-ce71bd5fac3b",
  "destination_account_id": "225641a5-f6e4-4ae1-b5e0-326e6b98842e",
  "description": "GIFT",
  "amount": 1000
}

A successful request results in a completed status.

ACH external transfers

An example of an ACH external transfer request is shown below:

{
    "origination_account_id": "6f0e7dcb-6073-42df-bf02-ce71bd5fac3b",
    "destination_account_id": "225641a5-f6e4-4ae1-b5e0-326e6b98842e",
    "amount": 1000,
    "ach": {
        "class_code": "WEB", 
        "same_day": true
    }
}

A successful 200 response to this ACH external transfer looks like:

{
  "date_created": "2020-10-09T17:14:09.686688",
  "date_updated": "2020-10-09T17:14:09.686688",
  "date_settled": "2020-10-13T17:14:09.686688",
  "transfer_id": "4ead6cdc-77eb-45fa-9959-3f166385a60a",
  "transaction_id": "0fec1e58-b197-4052-99cf-2218496c5482",
  "origination_account_id": "6f0e7dcb-6073-42df-bf02-ce71bd5fac3b",
  "destination_account_id": "225641a5-f6e4-4ae1-b5e0-326e6b98842e",
  "description": "GIFT",
  "amount": 1000,
  "status": "submitted",
  "ach": {
    "ach_class_code": "WEB",
    "same_day": true
  }
}

For a complete specification and interactive examples, see Creating a transfer in the Bond API Reference.

Credit Card Account to/from Linked Account transfers

For all transfers between a Credit Card Account and Linked Account, the v0/transfers API endpoint will be used. Furthermore, all v0 transfers involving a Credit Card Account and Linked Account use the Credit Card Account ID as the origination_account_id value.

Here is an example using the following account IDs for a $50.00 ACH transfer.

Credit Card Account: 26d1d34a-585a-493e-904f-e2a5feff42c0
Linked Account: 0aca3af5-b7af-4c40-afdc-c2b610e59e5b

If repaying from the Linked Account to the Credit Card Account, set the ach_direction body parameter to debit. The request payload is shown below:

{
  "origination_account_id": "26d1d34a-585a-493e-904f-e2a5feff42c0",  
  "account_id": "0aca3af5-b7af-4c40-afdc-c2b610e59e5b",
  "ach_class_code": "WEB",
  "ach_description": "manual",
  "ach_direction": "debit",
  "ach_network": "same-day-ach",
  "amount": "50.00",
  "type": "ach"
}

To move funds out of the Credit Card Account to the Linked Account, set the ach_direction to credit, as shown in the request payload below:

{
  "origination_account_id": "26d1d34a-585a-493e-904f-e2a5feff42c0",  
  "account_id": "0aca3af5-b7af-4c40-afdc-c2b610e59e5b",
  "ach_class_code": "WEB",
  "ach_description": "manual",
  "ach_direction": "credit",
  "ach_network": "same-day-ach",
  "amount": "50.00",
  "type": "ach"
}

📘
Correct Usage
For v0 transfers, using the ach_direction parameter will control the direction of funds movement, rather than switching the origination_account_id and account_id.