---
title: "Create an account to card routine"
method: POST
path: "/v1/routines/account-to-card"
tags: ["Routines"]
---

# Create an account to card routine

`POST /v1/routines/account-to-card`

> 📘
>
> You can place the bearer `access_token` for a specific user into the Authentication section of this documentation 👉.

Create an account to card routine (aka `instant disbursement`)

> 🚧
>
> This endpoint requires an enhanced client configuration for instant disbursements. Please contact customer support if you are interested in this feature.

## Parameters

- `#/components/headers/Idempotency-Key` — unresolved $ref

## Request body

- union
  - object
    - `name` string, required — The name of the Gross Debit Account-to-Card routine
    - `amount` number, float, required — The amount of the transfer in USD
    - `source` object, required
      - `id` string, required — The unique identifier of the source account in Astra
    - `destination` object, required
      - `id` string, required — The unique identifier of the destination account in Astra
      - `user_id` string — The unique identifier of the receiver in Astra (include if the destination.id does not belong to the authenticating User)
    - `settlement_mode` 'gross_debit', required — The Account-to-Card type
    - `debit_fee_percent` number, float — Fee percentage applied to the debit OCT transfer
    - `client_correlation_id` string, required — A unique descriptor used to correlate a routine with the ACH Debit transfer (must be 8 characters in length)
    - `ultimate_receiver_id` string — The User ID of the ultimate receiver of the Routine
    - `ultimate_sender_id` string — The User ID of the ultimate sender of the Routine
  - object
    - `name` string, required — The name of the Net Debit Account-to-Card routine
    - `amount` number, float, required — The amount of the transfer in USD
    - `source` object, required
      - `id` string, required — The unique identifier of the source account in Astra
    - `destination` object, required
      - `id` string, required — The unique identifier of the destination account in Astra
      - `user_id` string, required — The unique identifier of the receiver in Astra
    - `settlement_mode` 'net_debit', required — The Account-to-Card type
    - `debit_fee_percent` number, float — Fee percentage applied to the debit OCT transfer
    - `client_correlation_id` string — A unique descriptor used to correlate a routine with the ACH Debit transfer (must be 8 characters in length)
    - `ultimate_receiver_id` string — The User ID of the ultimate receiver of the Routine
    - `ultimate_sender_id` string — The User ID of the ultimate sender of the Routine

## Response `201`

Successful response

- object
  - `id` string — The unique ID of the Routine
  - `status` string — The Routine's status on the platform (see [Routine Statuses](https://docs.astra.finance/reference/routine-statuses))
  - `name` string — The name given for the Routine
  - `amount` number, float — The amount of the transfer
  - `source` object
    - `id` string — The unique identifier of the source account in Astra
  - `destination` object
    - `id` string — The unique identifier of the destination account in Astra
    - `user_id` string — The unique identifier of the receiver in Astra
  - `start_date` string, date-time — The date the Routine should start processing.
  - `created` string, date-time — The date the Routine was created
  - `active` boolean — Whether the routine is active (True) or paused (False). Defaults to True.
  - `payment_route` 'account_to_card' — Payment route type
  - `type` 'one-time' — The type of Routine
  - `blocked` boolean — Whether the routine has been blocked for any reason.
  - `debit_fee_percent` number, float — Fee percentage applied to the debit OCT transfer
  - `ultimate_receiver_id` string — The User ID of the ultimate receiver of the Routine
  - `ultimate_sender_id` string — The User ID of the ultimate sender of the Routine

## Other responses

- `401` — Unauthorized

---

[API](https://skmtc.net/astra/apis/astra-developer-api.md) · [All operations](https://skmtc.net/astra/apis/astra-developer-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/astra/astra-developer-api/revisions/09f0430e5d33/schema)