---
title: "Create External Card Transfer"
method: POST
path: "/external_cards/transfers"
tags: ["External Cards"]
---

# Create External Card Transfer

`POST /external_cards/transfers`

Create an External Card Transfer

## Headers

- `Idempotency-Key` string

## Request body

- union
  - object — Push funds to an External Card
    - `amount` integer, required — Amount of the transfer in cents
    - `currency` string, required — ISO 4217 Alpha-3 currency code
    - `external_card_id` string, uuid, required — The ID of the external card from/to which the transfer will be initiated/received
    - `merchant` Merchant — Merchant descriptor information that will be shown on statement and transaction details. If not provided, FinTech information will be used.
      - `address` Address1, required
        - `address_line_1` string, required — Street address line 1
        - `address_line_2` string — Street address line 2
        - `city` string, required — City
        - `country_code` string, required — ISO-3166-1 Alpha-2 country code
        - `postal_code` string, required — Postal code
        - `state` string, required — State, region, province, or prefecture
      - `email` string — Merchant's email
      - `name` string, required — Merchant's name
      - `phone_number` string — Merchant's phone number with country code in E.164 format. Must have a valid country code. Area code and local phone number are not validated.
    - `originating_account_id` string, uuid, required — The ID of the account to which the transfer will be initiated/received
    - `type` 'PULL' | 'PUSH', required — Type of operation for transfer. Type | Description --- | --- PUSH | Push fund to the external card from the account_id PULL | Pull funds from the external card to the account_id
    - `originating_customer_id` string, uuid — For person-to-person PUSH transactions, this is the `customer_id` of the sender who must have privileges to access funds in the originating account in order to send funds to the recipient cardholder
  - object — Pull funds from an External Card
    - `amount` integer, required — Amount of the transfer in cents
    - `currency` string, required — ISO 4217 Alpha-3 currency code
    - `external_card_id` string, uuid, required — The ID of the external card from/to which the transfer will be initiated/received
    - `merchant` Merchant — Merchant descriptor information that will be shown on statement and transaction details. If not provided, FinTech information will be used.
      - `address` Address1, required
        - `address_line_1` string, required — Street address line 1
        - `address_line_2` string — Street address line 2
        - `city` string, required — City
        - `country_code` string, required — ISO-3166-1 Alpha-2 country code
        - `postal_code` string, required — Postal code
        - `state` string, required — State, region, province, or prefecture
      - `email` string — Merchant's email
      - `name` string, required — Merchant's name
      - `phone_number` string — Merchant's phone number with country code in E.164 format. Must have a valid country code. Area code and local phone number are not validated.
    - `originating_account_id` string, uuid, required — The ID of the account to which the transfer will be initiated/received
    - `type` 'PULL' | 'PUSH', required — Type of operation for transfer. Type | Description --- | --- PUSH | Push fund to the external card from the account_id PULL | Pull funds from the external card to the account_id
    - `three_ds_id` string, uuid — Unique identifier of an External Card Transfer 3-D Secure Authorization - conditionally required according to your program's 3DS policy

## Response `201`

External Card Transfer created

- union
  - object — Pull funds from an External Card
    - `account_id` string, uuid, required — The ID of the account to which the card will be linked
    - `amount` integer, required — Amount of the transfer in cents
    - `country_code` string, required — ISO-3166-1 Alpha-2 country code
    - `created_time` string, date-time, required
    - `currency` string, required — ISO 4217 Alpha-3 currency code
    - `customer_id` string, uuid, required — The ID of the customer to whom the card belongs
    - `external_card_id` string, uuid, required — The ID of the external card from/to which the transfer was initiated/received
    - `id` string, required — The ID of the transfer
    - `last_modified_time` string, date-time, required
    - `merchant` Merchant, required — Merchant descriptor information that will be shown on statement and transaction details. If not provided, FinTech information will be used.
      - `address` Address1, required
        - `address_line_1` string, required — Street address line 1
        - `address_line_2` string — Street address line 2
        - `city` string, required — City
        - `country_code` string, required — ISO-3166-1 Alpha-2 country code
        - `postal_code` string, required — Postal code
        - `state` string, required — State, region, province, or prefecture
      - `email` string — Merchant's email
      - `name` string, required — Merchant's name
      - `phone_number` string — Merchant's phone number with country code in E.164 format. Must have a valid country code. Area code and local phone number are not validated.
    - `network_decline_details` string — If available, a human readable string indicating why a transfer was declined downstream of our system
    - `reason` string — The reason for the status, e.g. INSUFFICIENT_FUNDS, SUSPECTED_FRAUD, NETWORK_DECLINED
    - `status` 'CANCELED' | 'DECLINED' | 'PENDING' | 'SUCCEEDED' | 'UNKNOWN', required — The status of the transfer
    - `transaction_id` string, uuid — The transaction ID
    - `type` 'PULL' | 'PULL_REVERSAL' | 'PUSH', required — Type of operation for transfer. Type | Description --- | --- PUSH | Push fund to the external card from the account_id PULL | Pull funds from the external card to the account_id PULL_REVERSAL | Reversed pull funds transfer from an external card
    - `three_ds_id` string, uuid — Unique identifier of an External Card Transfer 3-D Secure Authorization - conditionally required according to your program's 3DS policy
  - object — Push funds to an External Card
    - `originating_customer_id` string, uuid — For person-to-person PUSH transactions, this is the `customer_id` of the sender who must have privileges to access funds in the originating account in order to send funds to the recipient cardholder
    - `account_id` string, uuid, required — The ID of the account to which the card will be linked
    - `amount` integer, required — Amount of the transfer in cents
    - `country_code` string, required — ISO-3166-1 Alpha-2 country code
    - `created_time` string, date-time, required
    - `currency` string, required — ISO 4217 Alpha-3 currency code
    - `customer_id` string, uuid, required — The ID of the customer to whom the card belongs
    - `external_card_id` string, uuid, required — The ID of the external card from/to which the transfer was initiated/received
    - `id` string, required — The ID of the transfer
    - `last_modified_time` string, date-time, required
    - `merchant` Merchant, required — Merchant descriptor information that will be shown on statement and transaction details. If not provided, FinTech information will be used.
      - `address` Address1, required
        - `address_line_1` string, required — Street address line 1
        - `address_line_2` string — Street address line 2
        - `city` string, required — City
        - `country_code` string, required — ISO-3166-1 Alpha-2 country code
        - `postal_code` string, required — Postal code
        - `state` string, required — State, region, province, or prefecture
      - `email` string — Merchant's email
      - `name` string, required — Merchant's name
      - `phone_number` string — Merchant's phone number with country code in E.164 format. Must have a valid country code. Area code and local phone number are not validated.
    - `network_decline_details` string — If available, a human readable string indicating why a transfer was declined downstream of our system
    - `reason` string — The reason for the status, e.g. INSUFFICIENT_FUNDS, SUSPECTED_FRAUD, NETWORK_DECLINED
    - `status` 'CANCELED' | 'DECLINED' | 'PENDING' | 'SUCCEEDED' | 'UNKNOWN', required — The status of the transfer
    - `transaction_id` string, uuid — The transaction ID
    - `type` 'PULL' | 'PULL_REVERSAL' | 'PUSH', required — Type of operation for transfer. Type | Description --- | --- PUSH | Push fund to the external card from the account_id PULL | Pull funds from the external card to the account_id PULL_REVERSAL | Reversed pull funds transfer from an external card

## Other responses

- `400` — BadRequest
- `401` — Unauthorized
- `403` — Forbidden error
- `422` — Unprocessable entity request response
- `500` — Internal server error

---

[API](https://skmtc.net/synctera/apis/synctera-api.md) · [All operations](https://skmtc.net/synctera/apis/synctera-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/synctera/synctera-api/revisions/b0d812e6cdd0/schema)