---
title: "Create a Card Push Transfer"
method: POST
path: "/card_push_transfers"
---

# Create a Card Push Transfer

`POST /card_push_transfers`

## Request body

- CreateACardPushTransferParameters
  - `business_application_identifier` 'account_to_account' | 'business_to_business' | 'money_transfer_bank_initiated' | 'non_card_bill_payment' | 'consumer_bill_payment' | 'card_bill_payment' | 'funds_disbursement' | 'funds_transfer' | 'loyalty_and_offers' | 'merchant_disbursement' | 'merchant_payment' | 'person_to_person' | 'top_up' | 'wallet_transfer', required — The Business Application Identifier describes the type of transaction being performed. Your program must be approved for the specified Business Application Identifier in order to use it.
  - `card_token_id` string, required — The Increase identifier for the Card Token that represents the card number you're pushing funds to.
  - `merchant_category_code` string, required — The merchant category code (MCC) of the merchant (generally your business) sending the transfer. This is a four-digit code that describes the type of business or service provided by the merchant. Your program must be approved for the specified MCC in order to use it.
  - `merchant_city_name` string, required — The city name of the merchant (generally your business) sending the transfer.
  - `merchant_legal_business_name` string — The legal business name of the merchant (generally your business) sending the transfer. Required if the card is issued in Canada.
  - `merchant_name` string, required — The merchant name shows up as the statement descriptor for the transfer. This is typically the name of your business or organization.
  - `merchant_name_prefix` string, required — For certain Business Application Identifiers, the statement descriptor is `merchant_name_prefix*sender_name`, where the `merchant_name_prefix` is a one to four character prefix that identifies the merchant.
  - `merchant_postal_code` string, required — The postal code of the merchant (generally your business) sending the transfer.
  - `merchant_state` string, required — The state of the merchant (generally your business) sending the transfer.
  - `merchant_street_address` string — The street address of the merchant (generally your business) sending the transfer. Required if the card is issued in Canada.
  - `presentment_amount` object, required — The amount to transfer. The receiving bank will convert this to the cardholder's currency. The amount that is applied to your Increase account matches the currency of your account.
    - `currency` 'AFN' | 'EUR' | 'ALL' | 'DZD' | 'USD' | 'AOA' | 'ARS' | 'AMD' | 'AWG' | 'AUD' | 'AZN' | 'BSD' | 'BHD' | 'BDT' | 'BBD' | 'BYN' | 'BZD' | 'BMD' | 'INR' | 'BTN' | 'BOB' | 'BOV' | 'BAM' | 'BWP' | 'NOK' | 'BRL' | 'BND' | 'BGN' | 'BIF' | 'CVE' | 'KHR' | 'CAD' | 'KYD' | 'CLP' | 'CLF' | 'CNY' | 'COP' | 'COU' | 'KMF' | 'CDF' | 'NZD' | 'CRC' | 'CUP' | 'CZK' | 'DKK' | 'DJF' | 'DOP' | 'EGP' | 'SVC' | 'ERN' | 'SZL' | 'ETB' | 'FKP' | 'FJD' | 'GMD' | 'GEL' | 'GHS' | 'GIP' | 'GTQ' | 'GBP' | 'GNF' | 'GYD' | 'HTG' | 'HNL' | 'HKD' | 'HUF' | 'ISK' | 'IDR' | 'IRR' | 'IQD' | 'ILS' | 'JMD' | 'JPY' | 'JOD' | 'KZT' | 'KES' | 'KPW' | 'KRW' | 'KWD' | 'KGS' | 'LAK' | 'LBP' | 'LSL' | 'ZAR' | 'LRD' | 'LYD' | 'CHF' | 'MOP' | 'MKD' | 'MGA' | 'MWK' | 'MYR' | 'MVR' | 'MRU' | 'MUR' | 'MXN' | 'MXV' | 'MDL' | 'MNT' | 'MAD' | 'MZN' | 'MMK' | 'NAD' | 'NPR' | 'NIO' | 'NGN' | 'OMR' | 'PKR' | 'PAB' | 'PGK' | 'PYG' | 'PEN' | 'PHP' | 'PLN' | 'QAR' | 'RON' | 'RUB' | 'RWF' | 'SHP' | 'WST' | 'STN' | 'SAR' | 'RSD' | 'SCR' | 'SLE' | 'SGD' | 'SBD' | 'SOS' | 'SSP' | 'LKR' | 'SDG' | 'SRD' | 'SEK' | 'CHE' | 'CHW' | 'SYP' | 'TWD' | 'TJS' | 'TZS' | 'THB' | 'TOP' | 'TTD' | 'TND' | 'TRY' | 'TMT' | 'UGX' | 'UAH' | 'AED' | 'USN' | 'UYU' | 'UYI' | 'UYW' | 'UZS' | 'VUV' | 'VES' | 'VED' | 'VND' | 'YER' | 'ZMW' | 'ZWG', required — The ISO 4217 currency code representing the currency of the amount.
    - `value` string, required — The amount value as a decimal string in the currency's major unit. For example, for USD, '1234.56' represents 1234 dollars and 56 cents. For JPY, '1234' represents 1234 yen. A currency with minor units requires at least one decimal place and supports up to the number of decimal places defined by the currency's minor units. A currency without minor units does not support any decimal places.
  - `recipient_address_city` string — The city of the recipient. Required if the card is issued in Canada.
  - `recipient_address_line1` string — The first line of the recipient's address. Required if the card is issued in Canada.
  - `recipient_address_postal_code` string — The postal code of the recipient. Required if the card is issued in Canada.
  - `recipient_address_state` string — The state or province of the recipient. Required if the card is issued in Canada.
  - `recipient_name` string, required — The name of the funds recipient.
  - `require_approval` boolean — Whether the transfer requires explicit approval via the dashboard or API.
  - `sender_address_city` string, required — The city of the sender.
  - `sender_address_line1` string, required — The address line 1 of the sender.
  - `sender_address_postal_code` string, required — The postal code of the sender.
  - `sender_address_state` string, required — The state of the sender.
  - `sender_name` string, required — The name of the funds originator.
  - `source_account_number_id` string, required — The identifier of the Account Number from which to send the transfer.

## Response `200`

Card Push Transfer

- CardPushTransfer — Card Push Transfers send funds to a recipient's payment card in real-time.
  - `acceptance` object, nullable, required — If the transfer is accepted by the recipient bank, this will contain supplemental details.
    - `accepted_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer was accepted by the issuing bank.
    - `authorization_identification_response` string, required — The authorization identification response from the issuing bank.
    - `card_verification_value2_result` 'match' | 'no_match', nullable, required — The result of the Card Verification Value 2 match.
    - `network_transaction_identifier` string, nullable, required — A unique identifier for the transaction on the card network.
    - `settlement_amount` integer, required — The transfer amount in USD cents.
  - `account_id` string, required — The Account from which the transfer was sent.
  - `approval` object, nullable, required — If your account requires approvals for transfers and the transfer was approved, this will contain details of the approval.
    - `approved_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer was approved.
    - `approved_by` string, nullable, required — If the Transfer was approved by a user in the dashboard, the email address of that user.
  - `business_application_identifier` 'account_to_account' | 'business_to_business' | 'money_transfer_bank_initiated' | 'non_card_bill_payment' | 'consumer_bill_payment' | 'card_bill_payment' | 'funds_disbursement' | 'funds_transfer' | 'loyalty_and_offers' | 'merchant_disbursement' | 'merchant_payment' | 'person_to_person' | 'top_up' | 'wallet_transfer', required — The Business Application Identifier describes the type of transaction being performed. Your program must be approved for the specified Business Application Identifier in order to use it.
  - `cancellation` object, nullable, required — If your account requires approvals for transfers and the transfer was not approved, this will contain details of the cancellation.
    - `canceled_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Transfer was canceled.
    - `canceled_by` string, nullable, required — If the Transfer was canceled by a user in the dashboard, the email address of that user.
  - `card_token_id` string, required — The ID of the Card Token that was used to validate the card.
  - `created_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer was created.
  - `created_by` object, nullable, required — What object created the transfer, either via the API or the dashboard.
    - `api_key` object, nullable — If present, details about the API key that created the transfer.
      - `description` string, nullable, required — The description set for the API key when it was created.
    - `category` 'api_key' | 'oauth_application' | 'user', required — The type of object that created this transfer.
    - `oauth_application` object, nullable — If present, details about the OAuth Application that created the transfer.
      - `name` string, required — The name of the OAuth Application.
    - `user` object, nullable — If present, details about the User that created the transfer.
      - `email` string, required — The email address of the User.
  - `decline` object, nullable, required — If the transfer is rejected by the card network or the destination financial institution, this will contain supplemental details.
    - `declined_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer declined.
    - `network_transaction_identifier` string, nullable, required — A unique identifier for the transaction on the card network.
    - `reason` 'do_not_honor' | 'activity_count_limit_exceeded' | 'refer_to_card_issuer' | 'refer_to_card_issuer_special_condition' | 'invalid_merchant' | 'pick_up_card' | 'error' | 'pick_up_card_special' | 'invalid_transaction' | 'invalid_amount' | 'invalid_account_number' | 'no_such_issuer' | 're_enter_transaction' | 'no_credit_account' | 'pick_up_card_lost' | 'pick_up_card_stolen' | 'closed_account' | 'insufficient_funds' | 'no_checking_account' | 'no_savings_account' | 'expired_card' | 'transaction_not_permitted_to_cardholder' | 'transaction_not_allowed_at_terminal' | 'transaction_not_supported_or_blocked_by_issuer' | 'suspected_fraud' | 'activity_amount_limit_exceeded' | 'restricted_card' | 'security_violation' | 'transaction_does_not_fulfill_anti_money_laundering_requirement' | 'blocked_by_cardholder' | 'blocked_first_use' | 'credit_issuer_unavailable' | 'negative_card_verification_value_results' | 'issuer_unavailable' | 'financial_institution_cannot_be_found' | 'transaction_cannot_be_completed' | 'duplicate_transaction' | 'system_malfunction' | 'additional_customer_authentication_required' | 'surcharge_amount_not_permitted' | 'decline_for_cvv2_failure' | 'stop_payment_order' | 'revocation_of_authorization_order' | 'revocation_of_all_authorizations_order' | 'unable_to_locate_record' | 'file_is_temporarily_unavailable' | 'incorrect_pin' | 'allowable_number_of_pin_entry_tries_exceeded' | 'unable_to_locate_previous_message' | 'pin_error_found' | 'cannot_verify_pin' | 'verification_data_failed' | 'surcharge_amount_not_supported_by_debit_network_issuer' | 'cash_service_not_available' | 'cashback_request_exceeds_issuer_limit' | 'transaction_amount_exceeds_pre_authorized_approval_amount' | 'transaction_does_not_qualify_for_visa_pin' | 'offline_declined' | 'unable_to_go_online' | 'valid_account_but_amount_not_supported' | 'invalid_use_of_merchant_category_code_correct_and_reattempt' | 'card_authentication_failed', required — The reason why the transfer was declined.
  - `id` string, required — The Card Push Transfer's identifier.
  - `idempotency_key` string, 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](https://increase.com/documentation/idempotency-keys).
  - `merchant_category_code` string, required — The merchant category code (MCC) of the merchant (generally your business) sending the transfer. This is a four-digit code that describes the type of business or service provided by the merchant. Your program must be approved for the specified MCC in order to use it.
  - `merchant_city_name` string, required — The city name of the merchant (generally your business) sending the transfer.
  - `merchant_legal_business_name` string, nullable, required — The legal business name of the merchant (generally your business) sending the transfer.
  - `merchant_name` string, required — The merchant name shows up as the statement descriptor for the transfer. This is typically the name of your business or organization.
  - `merchant_name_prefix` string, required — For certain Business Application Identifiers, the statement descriptor is `merchant_name_prefix*sender_name`, where the `merchant_name_prefix` is a one to four character prefix that identifies the merchant.
  - `merchant_postal_code` string, required — The postal code of the merchant (generally your business) sending the transfer.
  - `merchant_state` string, required — The state of the merchant (generally your business) sending the transfer.
  - `merchant_street_address` string, nullable, required — The street address of the merchant (generally your business) sending the transfer.
  - `presentment_amount` object, required — The amount that was transferred. The receiving bank will have converted this to the cardholder's currency. The amount that is applied to your Increase account matches the currency of your account.
    - `currency` 'AFN' | 'EUR' | 'ALL' | 'DZD' | 'USD' | 'AOA' | 'ARS' | 'AMD' | 'AWG' | 'AUD' | 'AZN' | 'BSD' | 'BHD' | 'BDT' | 'BBD' | 'BYN' | 'BZD' | 'BMD' | 'INR' | 'BTN' | 'BOB' | 'BOV' | 'BAM' | 'BWP' | 'NOK' | 'BRL' | 'BND' | 'BGN' | 'BIF' | 'CVE' | 'KHR' | 'CAD' | 'KYD' | 'CLP' | 'CLF' | 'CNY' | 'COP' | 'COU' | 'KMF' | 'CDF' | 'NZD' | 'CRC' | 'CUP' | 'CZK' | 'DKK' | 'DJF' | 'DOP' | 'EGP' | 'SVC' | 'ERN' | 'SZL' | 'ETB' | 'FKP' | 'FJD' | 'GMD' | 'GEL' | 'GHS' | 'GIP' | 'GTQ' | 'GBP' | 'GNF' | 'GYD' | 'HTG' | 'HNL' | 'HKD' | 'HUF' | 'ISK' | 'IDR' | 'IRR' | 'IQD' | 'ILS' | 'JMD' | 'JPY' | 'JOD' | 'KZT' | 'KES' | 'KPW' | 'KRW' | 'KWD' | 'KGS' | 'LAK' | 'LBP' | 'LSL' | 'ZAR' | 'LRD' | 'LYD' | 'CHF' | 'MOP' | 'MKD' | 'MGA' | 'MWK' | 'MYR' | 'MVR' | 'MRU' | 'MUR' | 'MXN' | 'MXV' | 'MDL' | 'MNT' | 'MAD' | 'MZN' | 'MMK' | 'NAD' | 'NPR' | 'NIO' | 'NGN' | 'OMR' | 'PKR' | 'PAB' | 'PGK' | 'PYG' | 'PEN' | 'PHP' | 'PLN' | 'QAR' | 'RON' | 'RUB' | 'RWF' | 'SHP' | 'WST' | 'STN' | 'SAR' | 'RSD' | 'SCR' | 'SLE' | 'SGD' | 'SBD' | 'SOS' | 'SSP' | 'LKR' | 'SDG' | 'SRD' | 'SEK' | 'CHE' | 'CHW' | 'SYP' | 'TWD' | 'TJS' | 'TZS' | 'THB' | 'TOP' | 'TTD' | 'TND' | 'TRY' | 'TMT' | 'UGX' | 'UAH' | 'AED' | 'USN' | 'UYU' | 'UYI' | 'UYW' | 'UZS' | 'VUV' | 'VES' | 'VED' | 'VND' | 'YER' | 'ZMW' | 'ZWG', required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currency code.
    - `value` string, required — The amount value represented as a string containing a decimal number in major units (so e.g., "12.34" for $12.34).
  - `recipient_address_city` string, nullable, required — The city of the recipient. Required if the card is issued in Canada.
  - `recipient_address_line1` string, nullable, required — The first line of the recipient's address. Required if the card is issued in Canada.
  - `recipient_address_postal_code` string, nullable, required — The postal code of the recipient. Required if the card is issued in Canada.
  - `recipient_address_state` string, nullable, required — The state or province of the recipient. Required if the card is issued in Canada.
  - `recipient_name` string, required — The name of the funds recipient.
  - `route` 'visa' | 'mastercard' | 'pulse', required — The card network route used for the transfer.
  - `sender_address_city` string, required — The city of the sender.
  - `sender_address_line1` string, required — The address line 1 of the sender.
  - `sender_address_postal_code` string, required — The postal code of the sender.
  - `sender_address_state` string, required — The state of the sender.
  - `sender_name` string, required — The name of the funds originator.
  - `source_account_number_id` string, required — The Account Number the recipient will see as having sent the transfer.
  - `status` 'pending_approval' | 'canceled' | 'pending_submission' | 'pending_reviewing' | 'requires_attention' | 'submitted' | 'complete' | 'declined', required — The lifecycle status of the transfer.
  - `submission` object, nullable, required — After the transfer is submitted to the card network, this will contain supplemental details.
    - `retrieval_reference_number` string, required — A 12-digit retrieval reference number that identifies the transfer. Usually a combination of a timestamp and the trace number.
    - `sender_reference` string, required — A unique reference for the transfer.
    - `submitted_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer was submitted to the card network.
    - `trace_number` string, required — A 6-digit trace number that identifies the transfer within a small window of time.
  - `type` 'card_push_transfer', required — A constant representing the object's type. For this resource it will always be `card_push_transfer`.

## Other responses

- `4XX` — Error
- `5XX` — Error

---

[API](https://skmtc.net/increase/apis/increase-api-2.md) · [All operations](https://skmtc.net/increase/apis/increase-api-2/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/increase/increase-api-2/versions/e968bcd4dcf9/schema)