---
title: "Submit transfer diligence on behalf of the originator"
method: POST
path: "/transfer/diligence/submit"
tags: ["plaid"]
---

# Submit transfer diligence on behalf of the originator

`POST /transfer/diligence/submit`

Use the `/transfer/diligence/submit` endpoint to submit transfer diligence on behalf of the originator (i.e., the end customer).

## Request body

- TransferDiligenceSubmitRequest — Defines the request schema for `/transfer/diligence/submit`
  - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
  - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
  - `originator_client_id` string, required — Client ID of the originator whose diligence that you want to submit.
  - `originator_diligence` TransferOriginatorDiligence, required — The diligence information for the originator.
    - `dba` string, required — The business name of the originator.
    - `tax_id` string, required — The tax ID of the originator.
    - `credit_usage_configuration` TransferCreditUsageConfiguration, nullable — Specifies the originator's expected usage of credits. For all dollar amounts, use a decimal string with two digits of precision e.g. "10.00". This field is required if the originator is expected to process credit transfers.
      - `expected_frequency` 'once_per_month' | 'twice_per_month' | 'once_per_week' | 'daily', required — The originator's expected transfer frequency.
      - `expected_highest_amount` string, required — The originator's expected highest amount for a single credit transfer.
      - `expected_average_amount` string, required — The originator's expected average amount per credit.
      - `expected_monthly_amount` string, required — The originator's monthly expected ACH credit processing amount for the next 6-12 months.
      - `sec_codes` CreditACHClass[], required — Specifies the expected use cases for the originator's credit transfers. This should be a list that contains one or more of the following codes: `"ccd"` - Corporate Credit or Debit - fund transfer between two corporate bank accounts `"ppd"` - Prearranged Payment or Deposit. The transfer is part of a pre-existing relationship with a consumer. Authorization was obtained from the consumer in person via writing, or through online authorization, or via an electronic document signing, e.g. Docusign. For example language for online authorization, see the 2025 Nacha Operating Rules -- Section 2.3.2, Authorization of Entries via Electronic Means. Can be used for credits or debits. `"web"` - Internet-Initiated Entry. The transfer debits a consumer's bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits.
    - `debit_usage_configuration` TransferDebitUsageConfiguration, nullable — Specifies the originator's expected usage of debits. For all dollar amounts, use a decimal string with two digits of precision e.g. "10.00". This field is required if the originator is expected to process debit transfers.
      - `expected_frequency` 'once_per_month' | 'twice_per_month' | 'once_per_week' | 'daily', required — The originator's expected transfer frequency.
      - `expected_highest_amount` string, required — The originator's expected highest amount for a single debit transfer.
      - `expected_average_amount` string, required — The originator's expected average amount per debit.
      - `expected_monthly_amount` string, required — The originator's monthly expected ACH debit processing amount for the next 6-12 months.
      - `sec_codes` ACHClass[], required — Specifies the expected use cases for the originator's debit transfers. This should be a list that contains one or more of the following codes: `"ccd"` - Corporate Credit or Debit - fund transfer between two corporate bank accounts `"ppd"` - Prearranged Payment or Deposit - The transfer is part of a pre-existing relationship with a consumer. Authorization was obtained in writing either in person or via an electronic document signing, e.g. Docusign, by the consumer. Can be used for credits or debits. `"web"` - Internet-Initiated Entry. The transfer debits a consumer's bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits. `"tel"` - Telephone-Initiated Entry. The transfer debits a consumer. Debit authorization has been received orally over the telephone via a recorded call.
    - `address` TransferOriginatorAddress, required — The originator's address.
      - `city` string, required — The full city name.
      - `street` string, required — The full street address.
      - `region` string, required — The two-letter code for the state or province (e.g., "CA").
      - `postal_code` string, required — The postal code (e.g., "94103").
      - `country_code` string, required — ISO-3166-1 alpha-2 country code standard.
    - `website` string, url, required — The website of the originator.
    - `naics_code` string, required — The NAICS code of the originator.
    - `funding_account` TransferFundingAccount, required — The originator's funding account, linked with Plaid Link or `/transfer/migrate_account`.
      - `access_token` string, required — The access token associated with the Item for which data is being requested.
      - `account_id` string, required — The Plaid `account_id` for the newly created Item.

## Response `200`

OK

- TransferDiligenceSubmitResponse — Defines the response schema for `/transfer/diligence/submit`
  - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

## Other responses

- `default` — Error response

---

[API](https://skmtc.net/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.net/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/versions/64c4514ea59b/schema)