openapi: 3.1.0
info:
  title: Fiserv BankingHub 3-D Secure Transfers API
  description: The Fiserv BankingHub API provides RESTful access to core banking operations including account management, transactions, transfers, payments, and party (customer) management. BankingHub enables financial institutions and fintech partners to integrate account opening, fund transfers, payment processing, and customer data management into their applications.
  version: 1.0.0
  contact:
    name: Fiserv Developer Support
    url: https://developer.fiserv.com/product/BankingHub
  termsOfService: https://www.fiserv.com/en/legal.html
servers:
- url: https://cert.api.fiservapps.com
  description: Certification Environment
- url: https://prod.api.fiservapps.com
  description: Production Environment
security:
- bearerAuth: []
tags:
- name: Transfers
  description: Initiate and manage fund transfers between accounts.
paths:
  /banking/transfers:
    post:
      operationId: createTransfer
      summary: Fiserv Initiate a fund transfer
      description: Initiates a fund transfer between accounts. Supports internal transfers between accounts at the same institution and external transfers via ACH or wire.
      tags:
      - Transfers
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/TransferAddRequest'
      responses:
        '201':
          description: Transfer initiated successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransferAddResponse'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
  /banking/transfers/{transferId}:
    get:
      operationId: getTransfer
      summary: Fiserv Retrieve transfer details
      description: Retrieves the status and details of a previously initiated fund transfer.
      tags:
      - Transfers
      parameters:
      - name: transferId
        in: path
        required: true
        schema:
          type: string
        description: The unique transfer identifier.
      responses:
        '200':
          description: Transfer details returned
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransferInquiryResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: Transfer not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
components:
  schemas:
    TransferAddRequest:
      type: object
      description: Request body for initiating a fund transfer.
      required:
      - fromAccountId
      - toAccountId
      - amount
      properties:
        fromAccountId:
          type: string
          description: The source account identifier.
        toAccountId:
          type: string
          description: The destination account identifier.
        amount:
          type: number
          format: double
          description: The transfer amount.
        currency:
          type: string
          pattern: ^[A-Z]{3}$
          description: The ISO 4217 currency code.
        transferType:
          type: string
          enum:
          - INTERNAL
          - ACH
          - WIRE
          description: The type of transfer.
        memo:
          type: string
          description: A memo or description for the transfer.
        scheduledDate:
          type: string
          format: date
          description: The scheduled date for the transfer.
    TransferInquiryResponse:
      type: object
      description: Response body for transfer inquiry.
      properties:
        transferId:
          type: string
          description: The transfer identifier.
        fromAccountId:
          type: string
          description: The source account.
        toAccountId:
          type: string
          description: The destination account.
        amount:
          type: number
          format: double
          description: The transfer amount.
        status:
          type: string
          description: The current transfer status.
        createdDate:
          type: string
          format: date-time
          description: The date and time the transfer was created.
    ErrorResponse:
      type: object
      description: Standard error response.
      properties:
        statusCode:
          type: string
          description: The error status code.
        statusDescription:
          type: string
          description: A human-readable error description.
        errors:
          type: array
          items:
            type: object
            properties:
              code:
                type: string
                description: The specific error code.
              message:
                type: string
                description: The error message.
              field:
                type: string
                description: The field that caused the error.
          description: Detailed error information.
    TransferAddResponse:
      type: object
      description: Response body for transfer initiation.
      properties:
        transferId:
          type: string
          description: The unique transfer identifier.
        status:
          type: string
          description: The transfer status.
        statusCode:
          type: string
          description: The response status code.
        statusDescription:
          type: string
          description: The response status description.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 Bearer token for API authentication.
externalDocs:
  description: BankingHub API Documentation
  url: https://developer.fiserv.com/product/BankingHub/docs/?path=docs/get-started.md