increase-test
POST/fednow_transfers

Create a FedNow transfer

Creates a FedNow transfer from an Account to a recipient. Provide the source account number ID, amount, remittance information, and debtor and creditor names; use either external_account_id or the recipient's account_number and routing_number.

  • IdempotentThe SDK sends Idempotency-Key, so a retried request is only applied once.

11 body fields

FedNow transfer details. Provide the required transfer fields and use either recipient account details or an external account ID.

account_numberstringoptional
The creditor's account number.
amountintegerrequired
The amount, in minor units, to send to the creditor.
creditor_addressobjectoptional
The creditor's address.
creditor_namestringrequired
The creditor's name.
debtor_addressobjectoptional
The debtor's address.
debtor_namestringrequired
The debtor's name.
external_account_idstringoptional
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_approvalbooleanoptional
Whether the transfer requires explicit approval via the dashboard or API.
routing_numberstringoptional
The creditor's bank account routing number.
source_account_number_idstringrequired
The Account Number to include in the transfer as the debtor's account number.
unstructured_remittance_informationstringrequired
Unstructured remittance information to include in the transfer.

3 status codes
200Returns the created FedNow Transfer, including its identifier, status, amount, currency, source account, and recipient details.
account_idstringrequired
The Account from which the transfer was sent.
account_numberstringrequired
The destination account number.
acknowledgementobjectrequired
If the transfer is acknowledged by the recipient bank, this will contain supplemental details.
amountintegerrequired
The transfer amount in USD cents.
created_atstringrequired
The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the transfer was created.
created_byobjectrequired
What object created the transfer, either via the API or the dashboard.
creditor_addressobjectrequired
The creditor's address.
creditor_namestringrequired
The name of the transfer's recipient. This is set by the sender when creating the transfer.
currencystringrequired
The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the transfer's currency. For FedNow transfers this is always equal to `USD`.
Allowed:USD
debtor_addressobjectrequired
The debtor's address.
debtor_namestringrequired
The name of the transfer's sender. If not provided, defaults to the name of the account's entity.
external_account_idstringrequired
The identifier of the External Account the transfer was made to, if any.
idstringrequired
The FedNow Transfer's identifier.
idempotency_keystringrequired
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).
pending_transaction_idstringrequired
The ID for the pending transaction representing the transfer.
rejectionobjectrequired
If the transfer is rejected by FedNow or the destination financial institution, this will contain supplemental details.
returnsarray<FedNowTransferFedNowTransferReturn>required
If the transfer is returned by the recipient's bank, this will contain details of each return. FedNow allows returning part of a transfer, so a transfer can be returned more than once.
routing_numberstringrequired
The destination American Bankers' Association (ABA) Routing Transit Number (RTN).
source_account_number_idstringrequired
The Account Number the recipient will see as having sent the transfer.
statusstringrequired
The lifecycle status of the transfer.
Allowed:pending_submittingpending_reviewingcanceledrequires_attentionpending_approvalpending_responsecompleterejectedreturned
submissionobjectrequired
After the transfer is submitted to FedNow, this will contain supplemental details.
transaction_idstringrequired
The Transaction funding the transfer once it is complete.
typestringrequired
A constant representing the object's type. For this resource it will always be `fednow_transfer`.
Allowed:fednow_transfer
unique_end_to_end_transaction_referencestringrequired
The Unique End-to-end Transaction Reference ([UETR](https://www.swift.com/payments/what-unique-end-end-transaction-reference-uetr)) of the transfer.
unstructured_remittance_informationstringrequired
Unstructured information that will show on the recipient's bank statement.
4XXReturned when the request has a client-side error.
5XXReturned when the server encounters an error processing the request.

Error handling

source_account_number_id, amount, unstructured_remittance_information, creditor_name, and debtor_name are required. amount must be at least 1; account_number must contain 1 to 34 digits, and routing_number must contain 9 digits. If you provide external_account_id, omit account_number and routing_number; each address must include city, state, and postal_code when supplied.