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latestOpenAPI 3.1.02026-08-22124199170.4 KB

8a237f1f704f

payments

Create Peer To Peer Payment Request

Initiate a peer-to-peer transfer between two consumers on the authenticated partner's network. Both accounts must be active secured-card accounts. Returns pending_review instead of an error when the sender exceeds the daily velocity limit (2 transfers per 24 hours).

post/v2/payments/p2p/

Headers

Authorizationstring required

Bearer authentication

Request body

originating_account_idstring uuid required

External ID of the sending consumer's secured-card account.

receiving_account_idstring uuid required

External ID of the receiving consumer's secured-card account.

amountnumber double required

Transfer amount in USD. Minimum 1.00. Maximum set by partner configuration.

descriptionstring

Optional memo visible in both consumers' transaction history.

Response

Payment created successfully

idstring uuid required

Unique identifier for this P2P payment. Use it to poll status or retrieve details.

originating_account_idstring required

External ID of the sending account.

receiving_account_idstring required

External ID of the receiving account.

amountnumber double required

Transfer amount in USD.

status'pending' | 'posted' | 'pending_review' | 'error' required

Current payment status. pending_review means the payment is held for compliance review (velocity limit exceeded) and will be processed once approved.

descriptionstring

Memo provided at creation time.