To move funds between accounts within the system or to external banks customers must have an account/card opened in advance. Transfers API may have different requirements depending on the type of transfer (internal/wire). Amount, currency, debtor, and creditor are required for all requests.
Internal transfers
Internal transfers can be initiated between accounts/cards in the system using several identifiers like balance identifier, IBAN, Sort Code and Account Number.
As a response from the API call, a transaction identifier will be received when transfer is successful. The transfer is a real-time operation, meaning that in case a transaction identifier is received the transfer has been completed.
Example request:
{
"amount": 1.23,
"currency": "EUR",
"code": "string",
"link": "520bec3b-8051-4a2b-928c-81d32b6bfa41", // Filled in if this is a part of bigger ammount that neds to be paind and is done on more than one transactions
"reference": "Payment for goods",
"reference2": "Items 1,2,3",
"reference3": "Additional Info",
"reference4": "Additional Info",
"origin_of_funds": "string",
"description": "Merchant 123",
"is_instant": false,
"debtor": {
"balance": "444f4f2c-6a05-43bb-93ab-7ab76ce5658c", // This is the balance token, it is one of the fields by which a transfer can be initiated
"external_identifier": "",
"iban": "BG85PATC40021918158842", // IBAN field can also be used to initiate an internal transfer,
"sort_code": "",
"account_number": "312334244", // Account number can also be used to initiate a transfer
"address": "",
"name": "John Doe",
"country": "BG"
},
"creditor": {
"balance": "444f4f2c-6a05-43bb-93ab-7ab76ce5658c",// Balance token in Paynetics`s system can be used as an identification where the funds must be sent
"external_identifier": "",
"iban": "BG85PATC40021918158842", BAN field can also be used to point where the funds must be received
"sort_code": "123456",
"account_number": "12345678", // Account number is also an option for pointing the funds destination
"address": "BG, Sofia, James Bouchier 76 A",
"name": "John Doe",
"country": "BG"
}
}Example response:
{
"code": 0,
"data": {
"transaction": "8b06d551-5453-48e5-842c-c1e2d969da84"
}
}When doing internal for Paynetic`s system transfers you can use balance token, account number or IBAN to point out from which destination to which destination the funds need to be transferred. The transfer response will