API ReferencePaymentsP2P

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).

Authentication

AuthorizationBearer

Bearer authentication of the form Bearer <token>, where token is your auth token.

Request

This endpoint expects an object.
originating_account_idstringRequiredformat: "uuid"

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

receiving_account_idstringRequiredformat: "uuid"

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

amountdoubleRequired
Transfer amount in USD. Minimum 1.00. Maximum set by partner configuration.
descriptionstringOptional
Optional memo visible in both consumers' transaction history.

Response

Payment created successfully
idstringformat: "uuid"
Unique identifier for this P2P payment. Use it to poll status or retrieve details.
originating_account_idstring
External ID of the sending account.
receiving_account_idstring
External ID of the receiving account.
amountdouble
Transfer amount in USD.
statusenum

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

Allowed values:
descriptionstring
Memo provided at creation time.

Errors

422
Unprocessable Entity Error