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latestOpenAPI 3.0.32026-08-224982,0272.8 MB

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ACH Debits

Get a bank transfer

Gets a bank transfer by its id or txid. Either identifier may be used interchangeably.

get/api/tradfi/v1/bank-transfers/{id}

Path parameters

idstring required

The transfer's primary key (id) or transaction ID (txid)

Response

OK

amountstring required

The absolute value of the total amount of funds to be transferred to or from the related bank. Always returned as a decimal string with the currency's full precision (e.g., "500.00" for USD), regardless of whether the request used amount or baseAmount.

applyInstantCreditboolean required

Whether to apply "instant credit" to the transfer. This allows funds to be made available to customer from the CaaS reserve account if they are available.

bankAccountIdstring required

The bank account used for the transfer. This also determines the bank rails used for the transfer.

counterpartyobject nullable

Information about the counterparty of the transfer. The available fields vary by bank rail and region (e.g. name, financial institution, country). The counterparty account number is masked, exposing only the last four characters (e.g. "*****7890"). Null until counterparty details are available, typically once the transfer has settled.

createdAtstring date-time required

When the transfer was created/initiated.

enterpriseIdstring required

The enterprise related to the transfer. Determined automatically by the walletId.

estimatedEffectiveOnstring date nullable required

The date when the transfer is expected to become "effective" or "posted" by the related bank. Without instant credit this will usually be either T+1 or T+4 depending on risk profile of the related enterprise and bank account. Null when not yet determined.

idstring required

The ID of the transfer. This should be generated by the client (prefer v4, v5, or v7) because it also serves as the idempotency key. Using an automatically generated ID provides no idempotency guarantees.

instantCreditLiabilityboolean required

Whether the current transfer counts against the CaaS reserve for instant credit. Only applies to transfers that opted for applyInstantCredit and have not yet settled. Once settled, transitions to false.

memoIdstring required

An automatically generated memo used for matching with bank transfers. Informational only.

settledAtstring date-time nullable required

When the transfer was settled (posted by the bank). Null until status is settled.

status'initiated' | 'processing' | 'settled' | 'reversed' | 'failed' required

The status of a transfer. initiated means newly created and not yet completed processing. processing means currently processing with bank providers with funds in flight. settled means funds successfully processed and no longer flagged as instantCreditLiability. reversed means a previously settled transfer was reversed by the processor. failed means an unrecoverable error occurred before settlement.

transferDirection'in' required
transferType'ach-us' required
txidstring required

The transaction ID correlated with wallet platform. Can also be used in GET requests as an identifier.

walletIdstring required

The wallet (Go Account) used as counterparty to the transfer. Also determines the related enterprise.

Example response

{
  "counterparty": {
    "name": "Jane Doe",
    "accountNumber": "*****7890",
    "financialInstitution": "COBADEFFXXX",
    "country": "DE"
  }
}