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v4

latestOpenAPI 3.1.02026-08-012402353.8 MB

Create a FedNow Transfer

post/fednow_transfers

Request body

account_numberstring

The creditor's account number.

amountinteger required

The amount, in minor units, to send to the creditor.

creditor_namestring required

The creditor's name.

debtor_namestring required

The debtor's name.

external_account_idstring

The ID of an External Account to initiate a transfer to. If this parameter is provided, account_number and routing_number must be absent.

require_approvalboolean

Whether the transfer requires explicit approval via the dashboard or API.

routing_numberstring

The creditor's bank account routing number.

source_account_number_idstring required

The Account Number to include in the transfer as the debtor's account number.

unstructured_remittance_informationstring required

Unstructured remittance information to include in the transfer.

Example request

{
  "account_id": "account_in71c4amph0vgo2qllky",
  "account_number": "987654321",
  "amount": 100,
  "creditor_address": {
    "city": "New York",
    "line1": "33 Liberty Street",
    "postal_code": "10045",
    "state": "NY"
  },
  "creditor_name": "Ian Crease",
  "debtor_name": "National Phonograph Company",
  "routing_number": "101050001",
  "source_account_number_id": "account_number_v18nkfqm6afpsrvy82b2",
  "unstructured_remittance_information": "Invoice 29582"
}

Response

FedNow Transfer

account_idstring required

The Account from which the transfer was sent.

account_numberstring required

The destination account number.

amountinteger required

The transfer amount in USD cents.

created_atstring date-time required

The ISO 8601 date and time at which the transfer was created.

creditor_namestring required

The name of the transfer's recipient. This is set by the sender when creating the transfer.

currency'USD' required

The ISO 4217 code for the transfer's currency. For FedNow transfers this is always equal to USD.

debtor_namestring required

The name of the transfer's sender. If not provided, defaults to the name of the account's entity.

external_account_idstring nullable required

The identifier of the External Account the transfer was made to, if any.

idstring required

The FedNow Transfer's identifier.

idempotency_keystring nullable required

The idempotency key you chose for this object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about idempotency.

pending_transaction_idstring nullable required

The ID for the pending transaction representing the transfer.

routing_numberstring required

The destination American Bankers' Association (ABA) Routing Transit Number (RTN).

source_account_number_idstring required

The Account Number the recipient will see as having sent the transfer.

status'pending_submitting' | 'pending_reviewing' | 'canceled' | 'reviewing_rejected' | 'requires_attention' | 'pending_approval' | 'pending_response' | 'complete' | 'rejected' required

The lifecycle status of the transfer.

transaction_idstring nullable required

The Transaction funding the transfer once it is complete.

type'fednow_transfer' required

A constant representing the object's type. For this resource it will always be fednow_transfer.

unique_end_to_end_transaction_referencestring required

The Unique End-to-end Transaction Reference (UETR) of the transfer.

unstructured_remittance_informationstring required

Unstructured information that will show on the recipient's bank statement.

Example response

{
  "account_id": "account_in71c4amph0vgo2qllky",
  "account_number": "987654321",
  "acknowledgement": {
    "acknowledged_at": "2020-01-31T23:59:59Z"
  },
  "amount": 100,
  "created_at": "2020-01-31T23:59:59Z",
  "created_by": {
    "category": "user",
    "user": {
      "email": "user@example.com"
    }
  },
  "creditor_address": {
    "city": "New York",
    "line1": "33 Liberty Street",
    "postal_code": "10045",
    "state": "NY"
  },
  "creditor_name": "Ian Crease",
  "currency": "USD",
  "debtor_address": {
    "city": "New York",
    "line1": "33 Liberty Street",
    "postal_code": "10045",
    "state": "NY"
  },
  "debtor_name": "National Phonograph Company",
  "external_account_id": null,
  "id": "fednow_transfer_4i0mptrdu1mueg1196bg",
  "idempotency_key": null,
  "pending_transaction_id": "pending_transaction_k1sfetcau2qbvjbzgju4",
  "rejection": null,
  "routing_number": "101050001",
  "source_account_number_id": "account_number_v18nkfqm6afpsrvy82b2",
  "status": "complete",
  "submission": {
    "message_identification": "20250308723260130GT4LAKENDXBHQCZDWS",
    "submitted_at": "2020-01-31T23:59:59Z"
  },
  "transaction_id": "transaction_uyrp7fld2ium70oa7oi",
  "type": "fednow_transfer",
  "unique_end_to_end_transaction_reference": "9a21e10a-7600-4a24-8ff3-2cbc5943c27a",
  "unstructured_remittance_information": "Invoice 29582"
}