openapi: 3.2.0
info:
  title: Transfers Transfer API
  version: '1.0'
  description: Transfer API
servers:
- url: https://sandbox.bond.tech/api/v0.1
security:
- identity: []
  authorization: []
tags:
- name: Transfer
paths:
  /transfers:
    parameters: []
    post:
      summary: Create a Transfer
      operationId: post-transfer
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/transfer'
              examples:
                ACH Post Response:
                  value:
                    date_created: '2020-10-09T17:14:09.686688'
                    date_updated: '2020-10-09T17:14:09.686688'
                    date_settled: '2020-10-13T17:14:09.686688'
                    transfer_id: 4ead6cdc-77eb-45fa-9959-3f166385a60a
                    transaction_id: 0fec1e58-b197-4052-99cf-2218496c5482
                    origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
                    destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
                    description: PAYROLL
                    amount: 1000
                    status: submitted
                    ach:
                      ach_class_code: WEB
                      same_day: true
                Account POST Response:
                  value:
                    date_created: '2020-10-09T17:14:09.686688'
                    date_updated: '2020-10-09T17:14:09.686688'
                    date_settled: '2020-10-13T17:14:09.686688'
                    transfer_id: 4ead6cdc-77eb-45fa-9959-3f166385a60a
                    transaction_id: 0fec1e58-b197-4052-99cf-2218496c5482
                    origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
                    destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
                    description: PAYROLL
                    amount: 1000
        '404':
          description: Account not found
        '422':
          description: Unable to process transfer. Account is inactive, has transfers disabled, insufficient funds, or otherwise exceeds limit.
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/transfer-write'
            examples:
              ACH POST:
                value:
                  origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
                  destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
                  description: PAYROLL
                  amount: 1000
                  ach:
                    class_code: WEB
                    same_day: true
              Account POST:
                value:
                  origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
                  destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
                  description: PAYROLL
                  amount: 1000
        description: Post the necessary fields for the API to create a new transfer.
      description: Create a new transfer.
      tags:
      - Transfer
components:
  schemas:
    transfer:
      description: ''
      x-examples:
        ACH Post Response:
          date_created: '2020-10-09T17:14:09.686688'
          date_updated: '2020-10-09T17:14:09.686688'
          date_settled: '2020-10-13T17:14:09.686688'
          transfer_id: 4ead6cdc-77eb-45fa-9959-3f166385a60a
          transaction_id: 0fec1e58-b197-4052-99cf-2218496c5482
          origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
          destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
          description: PAYROLL
          amount: 1000
          status: submitted
          ach:
            ach_class_code: WEB
            same_day: false
        Account POST Response:
          date_created: '2020-10-09T17:14:09.686688'
          date_updated: '2020-10-09T17:14:09.686688'
          date_settled: '2020-10-13T17:14:09.686688'
          transfer_id: 4ead6cdc-77eb-45fa-9959-3f166385a60a
          transaction_id: 0fec1e58-b197-4052-99cf-2218496c5482
          origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
          destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
          description: PAYROLL
          amount: 1000
          status: submitted
      allOf:
      - type: object
        properties:
          transfer_id:
            type: string
            example: f46e97f2-a582-4918-8992-fb10da9573d9
          transaction_id:
            type: string
            example: 7e7205c6-82c9-4789-adef-c07104025b39
          created_time:
            type: string
            description: System defined based on the date this transfer was created
            example: '2022-08-24T14:15:22Z'
          updated_time:
            type: string
            description: System defined based on any updates that were made to this transfer
            example: '2022-08-24T14:18:22Z'
          settled_time:
            type: string
            description: System defined based on the date this transfer settles.
            example: '2022-08-25T12:15:23Z'
          origination_account_id:
            type: string
            minLength: 1
            example: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
            description: account_id for the origination Account
          destination_account_id:
            type: string
            minLength: 1
            example: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
            description: account_id for the destination Account
          description:
            type: string
            minLength: 1
            example: PAYROLL
            description: Description for what the transfer is about, for ACH this is the memo field.
          amount:
            type: integer
            example: 1000
            description: Amount in cents
          status:
            type: string
            enum:
            - submitted
            default: submitted
            readOnly: true
        required:
        - created_time
        - updated_time
        - settled_time
        - origination_account_id
        - destination_account_id
        - amount
      - oneOf:
        - $ref: '#/components/schemas/transfer-ach'
      title: transfer
    transfer-write:
      x-examples:
        ACH POST Example:
          origination_account_id: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
          destination_account_id: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
          description: PAYROLL
          amount: 100000
          ach:
            class_code: WEB
            same_day: true
      type: object
      title: ''
      properties:
        origination_account_id:
          type: string
          example: 6f0e7dcb-6073-42df-bf02-ce71bd5fac3b
        destination_account_id:
          type: string
          example: 225641a5-f6e4-4ae1-b5e0-326e6b98842e
        description:
          type: string
          example: PAYROLL
        amount:
          type: integer
          example: 100000
          description: 'Transfer amount as an integer amount in cents

            "$10.00" is `1000`.

            Only currency in USD is supported.'
        ach:
          type: object
          description: ACH object is only required if the origination or destination account is an External account
          properties:
            class_code:
              type: string
              enum:
              - CCD
              - PPD
              - WEB
              description: 'ACH Standard Entry Class (SEC) code. Supported SEC codes are:


                CCD - Cash Concentration or Disbursement,

                PPD - Prearranged Payment and Deposit,

                WEB - Internet-Initiated Entry.


                Conditionally required for ACH transfers.'
            same_day:
              type: boolean
              description: "ACH transfer network, false = standard \ntrue = same-day-ach."
          required:
          - class_code
          - same_day
      required:
      - origination_account_id
      - destination_account_id
      - amount
    transfer-ach:
      description: ''
      type: object
      x-examples:
        ach:
          ach:
            ach_class_code: WEB
            same_day: false
      properties:
        ach:
          type: object
          required:
          - ach_class_code
          - same_day
          properties:
            ach_class_code:
              type: string
              minLength: 1
              enum:
              - CCD
              - PPD
              - WEB
              description: ACH Standard Entry Class (SEC) code
            same_day:
              type: boolean
              default: false
      required:
      - ach
  securitySchemes:
    identity:
      type: apiKey
      in: header
      name: Identity
    authorization:
      type: apiKey
      in: header
      name: Authorization
x-provenance:
  method: searched
  source: https://docs.bond.tech/reference
  harvested: '2026-10-14'
  tool: harvest-readme-openapi.py
  note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
  assembled_from:
  - https://docs.bond.tech/reference/post-transfer.md
  merge:
    pages: 1
    deduped: 0
    conflicts_kept_first: 0