7. Funding a card
How does your customer fund their card and what are the options.


Your customer can transfer funds between cards and bank accounts using the methods listed in the table below. Currently, the only currency supported is the U.S. Dollar (USD).
Transfers can be:
- Incoming—into the card from an external bank account, using an ACHACH - Automated Clearing House. The network that coordinates electronic payments and automated money transfers. ACH is a way to move money between banks without using paper checks, wire transfers, card networks, or cash. payment.
- Outgoing—out of the card to an external bank account, using an ACH payment.
- Internal—from one card to another within the same
program_id
, using peer-to-peer payment.
Funding method | Process | Cost and speed |
---|---|---|
ACH |
| Cheapest. |
Instant ACH |
| Cheap. |
Wire | Customer initiates a wire from the sending institution to the Bond card account. | Moderate pricing. |
Peer-to-peer | Move money instantly between cards within your brand's card program. | Practically free. |
Check | Deposit a check at a supported ATM in the network or by using check deposit on your mobile app. | Moderate pricing. |
Execute ACH and peer-to-peer transfers using the POST /transfers
operation and provide parameters as shown in Loading funds.
Include the transfer amount in USD in the request body. The transfer amount is expressed as a decimal string with a two digit precision. You must explicitly specify the cents value, even if the transaction amount is a "round" figure. For example, set amount
to 10.00
if you want to transfer $10.
An example of the POST
request payload for a peer-to-peer transfer between cards is shown below.
{
"destination_account_id": "d9ff6235-ca06-425c-ae5e-70ad7cf6887a",
"source_account_id": "0f7ef979-6e78-4890-9983-ceb51a0b50fa",
"type":"card-to-card",
"transfer_amount": "10.00"
}
A successful response displays the transfer_id
and lists its status as Scheduled
, as shown in the example below.
{
"date_created": "2020-10-21T22:32:11.094479",
"transfer_id": "25edf9ce-d3f4-4372-a6c4-7008b6cb8d93",
"source_account_id": "0f7ef979-6e78-4890-9983-ceb51a0b50fa",
"destination_account_id": "d9ff6235-ca06-425c-ae5e-70ad7cf6887a",
"status": "Scheduled",
"amount_in_cents": "1000",
"currency": "USD"
}
Card-to-card payments are instantaneous, so you cannot cancel them. You can cancel pending ACH payments with a PATCH
request to transfers/{transfer_id)
.
For a complete specification and interactive examples, see Creating a transfer in the Bond API Reference.
Updated about 2 months ago