Making an ACH transfer

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

▶ Run in Postman

Parameter	Type	Description
`origination_account_id` ^required	string	Bond account UUID (36 characters) for the originating account, for example `6f0e7dcb-6073-42df-bf02-ce71bd5fac3b`. Use the `card_account_id`.
`account_id` ^required	string	Bond account UUID (36 characters) for the transfer destination account, for example `6f0e7dcb-6073-42df-bf02-ce71bd5fac3b`. Use the `external_account_id`.
`type` ^required	string	The type of transfer being initiated. Use `ach`.
`ach_class_code` ^required	string	ACH SEC code.
`ach_direction` ^required	string	ACH transfer direction of the money movement. Possible values are `debit` or `credit`. The direction is in reference to the funds at the receiving account. An ACH `debit` "pulls" funds to the originating account, debiting the receiver. An ACH `credit` "pushes" funds from the originator to the receiver, crediting the receiver.
`ach_network` ^required	string	ACH transfer network. Either `ach` or `same-day-ach`
`ach_description` ^required	string	Freeform, alphanumeric description (maximum 10 characters) of the ACH transfer. Describes the purpose of the transfer and is displayed on the receiver's account statement.
`amount` ^required	string	Transfer amount as a decimal string with two digits of precision, for example `175.00`. Currently only USD is supported.

An example of a request to transfer $175.00 is shown below.

curl --request POST \
     --url https://sandbox.bond.tech/api/v0/transfers \
     --header 'Accept: application/json' \
     --header 'Authorization: YOUR-AUTHORIZATION' \
     --header 'Content-Type: application/json' \
     --data '
{
     "type": "ach",
     "amount": "175.00",
     "origination_account_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
     "account_id": "9dc86a8a-4c12-4107-84a8-e7cf6a76586f",
     "ach_class_code": "WEB",
     "ach_direction": "credit",
     "ach_network": "ach",
     "ach_description": "GIFT"
}
'

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

url = URI("https://sandbox.bond.tech/api/v0/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["Authorization"] = 'YOUR-AUTHORIZATION'
request.body = "{\"type\":\"ach\",\"amount\":\"175.00\",\"origination_account_id\":\"3fa85f64-5717-4562-b3fc-2c963f66afa6\",\"account_id\":\"9dc86a8a-4c12-4107-84a8-e7cf6a76586f\",\"ach_class_code\":\"CIE\",\"ach_direction\":\"credit\",\"ach_network\":\"ach\",\"ach_description\":\"GIFT\"}"

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

const options = {
  method: 'POST',
  headers: {
    Accept: 'application/json',
    'Content-Type': 'application/json',
    Authorization: 'YOUR-AUTHORIZATION'
  },
  body: JSON.stringify({
    type: 'ach',
    amount: '175.00',
    origination_account_id: '3fa85f64-5717-4562-b3fc-2c963f66afa6',
    account_id: '9dc86a8a-4c12-4107-84a8-e7cf6a76586f',
    ach_class_code: 'CIE',
    ach_direction: 'credit',
    ach_network: 'ach',
    ach_description: 'GIFT'
  })
};

fetch('https://sandbox.bond.tech/api/v0/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/transfers"

payload = {
    "type": "ach",
    "amount": "175.00",
    "origination_account_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "account_id": "9dc86a8a-4c12-4107-84a8-e7cf6a76586f",
    "ach_class_code": "CIE",
    "ach_direction": "credit",
    "ach_network": "ach",
    "ach_description": "GIFT"
}
headers = {
    "Accept": "application/json",
    "Content-Type": "application/json",
    "Authorization": "YOUR-AUTHORIZATION"
}

response = requests.request("POST", url, json=payload, headers=headers)

print(response.text)

var client = new RestClient("https://sandbox.bond.tech/api/v0/transfers");
var request = new RestRequest(Method.POST);
request.AddHeader("Accept", "application/json");
request.AddHeader("Content-Type", "application/json");
request.AddHeader("Authorization", "YOUR-AUTHORIZATION");
request.AddParameter("application/json", "{\"type\":\"ach\",\"amount\":\"175.00\",\"origination_account_id\":\"3fa85f64-5717-4562-b3fc-2c963f66afa6\",\"account_id\":\"9dc86a8a-4c12-4107-84a8-e7cf6a76586f\",\"ach_class_code\":\"CIE\",\"ach_direction\":\"credit\",\"ach_network\":\"ach\",\"ach_description\":\"GIFT\"}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);

OkHttpClient client = new OkHttpClient();

MediaType mediaType = MediaType.parse("application/json");
RequestBody body = RequestBody.create(mediaType, "{\"type\":\"ach\",\"amount\":\"175.00\",\"origination_account_id\":\"3fa85f64-5717-4562-b3fc-2c963f66afa6\",\"account_id\":\"9dc86a8a-4c12-4107-84a8-e7cf6a76586f\",\"ach_class_code\":\"CIE\",\"ach_direction\":\"credit\",\"ach_network\":\"ach\",\"ach_description\":\"GIFT\"}");
Request request = new Request.Builder()
  .url("https://sandbox.bond.tech/api/v0/transfers")
  .post(body)
  .addHeader("Accept", "application/json")
  .addHeader("Content-Type", "application/json")
  .addHeader("Authorization", "YOUR-AUTHORIZATION")
  .build();

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

The response shown below 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",
  "transfer_id": "4ead6cdc-77eb-45fa-9959-3f166385a60a",
  "origination_account_id": "6f0e7dcb-6073-42df-bf02-ce71bd5fac3b",
  "account_id": "225641a5-f6e4-4ae1-b5e0-326e6b98842e",
  "type": "ach",
  "ach_direction": "credit",
  "ach_class_code": "WEB",
  "ach_network": "ach",
  "ach_description": "GIFT",
  "status": "pending",
  "ach_return_code": null,
  "failure_reason": null,
  "amount_in_cents": "17500",
  "iso_currency_code": "USD"
}

A successful request results in a completed status.

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