Funds can be instantly moved between certain financial accounts via API. We currently support the following transfers but applicability and additional limitations will vary by customer. Please contact your implementation specialist for requirements specific to your program:

Disbursing funds from the program issuing financial account to an end-user's issuing financial account or card
Disbursing funds from the program operating financial account to an end-user's operating financial account
Withdrawing funds from an end-user's issuing financial account or card back to the program issuing financial account
Withdrawing funds from an end-user's operating financial account back to the program operating financial account
Moving funds between the program issuing and operating financial accounts
Transfers must be between financial accounts of the same currency

Create Transfers

Transfer funds between two financial accounts under the same program

POST https://api.lithic.com/v1/transfer

Sample Request

curl http://api.lithic.com/v1/transfer \
	-X POST \
  -H "Authorization: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
	-d '
{
	"from": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
	"to": "87654321-aa69-4cbc-a946-30d90181ccaa",
	"amount": 1000,
	"token": "cd0bc5a8-074b-437f-8601-117462750f40"
}
'

Sample Response

{
  "category": "TRANSFER",
  "status": "SETTLED",
  "result": "APPROVED",
  "token": "cd0bc5a8-074b-437f-8601-117462750f40",
  "settled_amount": 1000,
  "pending_amount": 0,
  "currency": "USD",
  "events": [
    {
      "amount": 1000,
      "type": "TRANSFER",
      "result": "APPROVED",
      "created": "2022-07-18T21:40:07.011Z",
      "token": "ba9a1a51-d035-4c21-a2a2-ed00a8f1f209"
    }
  ],
  "descriptor": "Transfer - from: 3fa85f64-5717-4562-b3fc-2c963f66afa6 to: 87654321-aa69-4cbc-a946-30d90181ccaa",
  "created": "2022-07-18T21:40:07.011Z",
  "updated": "2022-07-18T21:40:07.011Z",  
  "from_balance": {
    "financial_account_type": "ISSUING",
    "financial_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "currency": "USD",
    "available_amount": 9000,
    "pending_amount": 0,
    "total_amount": 9000,
    "created": "2022-07-18T21:47:54.787Z",
    "updated": "2022-07-18T21:47:54.787Z",
    "last_transaction_token": "cd0bc5a8-074b-437f-8601-117462750f40",
    "last_transaction_event_token": "a43ba171-0da8-405f-9a4e-b583f36ec967"
  },
  "to_balance": {
    "financial_account_type": "ISSUING",
    "financial_account_token": "87654321-aa69-4cbc-a946-30d90181ccaa",
    "currency": "USD",
    "available_amount": 1000,
    "pending_amount": 0,
    "total_amount": 1000,
    "created": "2022-07-18T21:47:54.787Z",
    "updated": "2022-07-18T21:47:54.787Z",
    "last_transaction_token": "cd0bc5a8-074b-437f-8601-117462750f40",
    "last_transaction_event_token": "b7f93ded-87fd-4672-bcd4-c18102c23e31"
  }
}


from (required)	Globally unique identifier for the financial account or card that will send the funds. String. Permitted values: 36-digit version 4 UUID (including hyphens).
to (required)	Globally unique identifier for the financial account or card that will receive the funds. String. Permitted values: 36-digit version 4 UUID (including hyphens).
amount (required)	Amount to be transferred in the currency’s smallest unit (e.g., cents for USD). This should always be a positive value. Integer. Permitted values: 0 or greater.
memo (optional)	Optional descriptor for the transfer. Defaults to "Transfer - from: UUID to: UUID" String. Permitted values: 1-512 characters.
token (optional)	Customer-provided transaction token that will serve as an idempotency token. _String. Permitted values: 36-digit version 4 UUID (including hyphens). This field was prior referred to as `transaction_token`and is deprecated.