Making ACH transfers

Introduction

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

▶ Run in Postman

Parameter	Required	Type	Description
account_id	Yes	string	Bond account UUID (36 characters) for the transfer destination account, for example 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b. Use the external_account_id.
ach_class_code	Yes	string	ACH SEC code.
ach_description	Yes	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.
ach_direction	Yes	string	ACH transfer direction of the money movement. Valid 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	Yes	string	ACH transfer network. Either ach or same-day-ach
amount	Yes	string	Transfer amount as a decimal string with two digits of precision, for example 175.00. Currently only USD is supported.
origination_account_id	Yes	string	Bond account UUID (36 characters) for the originating account, for example 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b. Use the card_account_id.
type	Yes	string	The type of transfer being initiated. Use ach.

📘 Note

The Transfers endpoint is idempotent and repeated requests using the same Idempotency-Key within a 24 hour period will fail.

Example request

The following is an example of a request to transfer $175.00.

cURL

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"
}'

C#

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);

Java

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();

JavaScript

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));

Python

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)

Ruby

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

Example response

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.

JSON

{
  "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 with interactive examples, see Creating a transfer in the Atelio API Reference.