mutation InitiateBankTransfer($initiateBankTransferInput: InitiateBankTransferInput!) {
initiateBankTransfer(initiateBankTransferInput: $initiateBankTransferInput) {
bankTransferResponse {
activityDate
duration
isDuplicateRequest
message
paymentId
processorResponseCode
sanitizedFields {
fieldName
fieldPath
originalValue
reason
sanitizedValue
}
timestampUtc
tokenDetails {
token
tokenizedPan
}
transactionId
}
errors {
... on InternalServiceError {
dateTimeUtc
errorDateTime
message
processorResponseCode
transactionId
}
... on AcceptorNotFoundError {
dateTimeUtc
errorDateTime
message
organizationId
presenterId
}
... on RuleInViolationError {
advice
dateTimeUtc
errorDateTime
explanationOfRule
message
}
... on TimeoutOnNetworkResponseError {
attemptedNetwork
dateTimeUtc
errorDateTime
message
processorResponseCode
}
... on ValidationFailureError {
dateTimeUtc
errorDateTime
fieldName
fieldPath
message
}
... on TokenNotFoundError {
dateTimeUtc
errorDateTime
message
processorResponseCode
transactionId
}
... on InvalidTokenError {
dateTimeUtc
deTokenizedPaymentMethodType
errorDateTime
expectedPaymentMethodType
message
}
... on RouteNotFoundError {
boardedPaymentBrandsForAcceptor
dateTimeUtc
errorDateTime
message
paymentBrand
}
}
}
}
{
"initiateBankTransferInput": {
"acceptorId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"amountDetails": {
"currency": "USD",
"totalAmount": 0
},
"channel": "ECOMMERCE",
"paymentMethodDetails": {
"acquirerTokenDetails": "example",
"bankAccountDetails": "example"
},
"transactionReference": "example"
}
}
curl --request POST \
--url https://api.sandbox.com/graphql \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
--data '{
"query": "mutation InitiateBankTransfer($initiateBankTransferInput: InitiateBankTransferInput!) {\n initiateBankTransfer(initiateBankTransferInput: $initiateBankTransferInput) {\n bankTransferResponse {\n activityDate\n duration\n isDuplicateRequest\n message\n paymentId\n processorResponseCode\n sanitizedFields {\n fieldName\n fieldPath\n originalValue\n reason\n sanitizedValue\n }\n timestampUtc\n tokenDetails {\n token\n tokenizedPan\n }\n transactionId\n }\n errors {\n ... on InternalServiceError {\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n transactionId\n }\n ... on AcceptorNotFoundError {\n dateTimeUtc\n errorDateTime\n message\n organizationId\n presenterId\n }\n ... on RuleInViolationError {\n advice\n dateTimeUtc\n errorDateTime\n explanationOfRule\n message\n }\n ... on TimeoutOnNetworkResponseError {\n attemptedNetwork\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n }\n ... on ValidationFailureError {\n dateTimeUtc\n errorDateTime\n fieldName\n fieldPath\n message\n }\n ... on TokenNotFoundError {\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n transactionId\n }\n ... on InvalidTokenError {\n dateTimeUtc\n deTokenizedPaymentMethodType\n errorDateTime\n expectedPaymentMethodType\n message\n }\n ... on RouteNotFoundError {\n boardedPaymentBrandsForAcceptor\n dateTimeUtc\n errorDateTime\n message\n paymentBrand\n }\n }\n }\n}",
"variables": {
"initiateBankTransferInput": {
"acceptorId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"amountDetails": {
"currency": "USD",
"totalAmount": 0
},
"channel": "ECOMMERCE",
"paymentMethodDetails": {
"acquirerTokenDetails": "example",
"bankAccountDetails": "example"
},
"transactionReference": "example"
}
}
}'
{
"data": {
"initiateBankTransfer": {
"bankTransferResponse": {
"activityDate": "2026-01-15",
"duration": 0,
"isDuplicateRequest": true,
"message": "example",
"paymentId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
"processorResponseCode": "A0000",
"sanitizedFields": [
{
"fieldName": "example",
"fieldPath": "example",
"originalValue": "example",
"reason": "example",
"sanitizedValue": "example"
}
],
"timestampUtc": "2026-01-15T14:30:00Z",
"tokenDetails": {
"token": "example",
"tokenizedPan": "example"
},
"transactionId": "c9a1e2d3-4b5f-6789-0abc-def123456789"
},
"errors": [
{
"__typename": "InternalServiceError",
"dateTimeUtc": "2026-01-15T14:30:00Z",
"errorDateTime": "2026-01-15T14:30:00Z",
"message": "example",
"processorResponseCode": "A0000",
"transactionId": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901"
}
]
}
}
}
Transaction Processing
initiateBankTransfer
Initiate a bank transfer transaction.
mutation InitiateBankTransfer($initiateBankTransferInput: InitiateBankTransferInput!) {
initiateBankTransfer(initiateBankTransferInput: $initiateBankTransferInput) {
bankTransferResponse {
activityDate
duration
isDuplicateRequest
message
paymentId
processorResponseCode
sanitizedFields {
fieldName
fieldPath
originalValue
reason
sanitizedValue
}
timestampUtc
tokenDetails {
token
tokenizedPan
}
transactionId
}
errors {
... on InternalServiceError {
dateTimeUtc
errorDateTime
message
processorResponseCode
transactionId
}
... on AcceptorNotFoundError {
dateTimeUtc
errorDateTime
message
organizationId
presenterId
}
... on RuleInViolationError {
advice
dateTimeUtc
errorDateTime
explanationOfRule
message
}
... on TimeoutOnNetworkResponseError {
attemptedNetwork
dateTimeUtc
errorDateTime
message
processorResponseCode
}
... on ValidationFailureError {
dateTimeUtc
errorDateTime
fieldName
fieldPath
message
}
... on TokenNotFoundError {
dateTimeUtc
errorDateTime
message
processorResponseCode
transactionId
}
... on InvalidTokenError {
dateTimeUtc
deTokenizedPaymentMethodType
errorDateTime
expectedPaymentMethodType
message
}
... on RouteNotFoundError {
boardedPaymentBrandsForAcceptor
dateTimeUtc
errorDateTime
message
paymentBrand
}
}
}
}
{
"initiateBankTransferInput": {
"acceptorId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"amountDetails": {
"currency": "USD",
"totalAmount": 0
},
"channel": "ECOMMERCE",
"paymentMethodDetails": {
"acquirerTokenDetails": "example",
"bankAccountDetails": "example"
},
"transactionReference": "example"
}
}
curl --request POST \
--url https://api.sandbox.com/graphql \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
--data '{
"query": "mutation InitiateBankTransfer($initiateBankTransferInput: InitiateBankTransferInput!) {\n initiateBankTransfer(initiateBankTransferInput: $initiateBankTransferInput) {\n bankTransferResponse {\n activityDate\n duration\n isDuplicateRequest\n message\n paymentId\n processorResponseCode\n sanitizedFields {\n fieldName\n fieldPath\n originalValue\n reason\n sanitizedValue\n }\n timestampUtc\n tokenDetails {\n token\n tokenizedPan\n }\n transactionId\n }\n errors {\n ... on InternalServiceError {\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n transactionId\n }\n ... on AcceptorNotFoundError {\n dateTimeUtc\n errorDateTime\n message\n organizationId\n presenterId\n }\n ... on RuleInViolationError {\n advice\n dateTimeUtc\n errorDateTime\n explanationOfRule\n message\n }\n ... on TimeoutOnNetworkResponseError {\n attemptedNetwork\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n }\n ... on ValidationFailureError {\n dateTimeUtc\n errorDateTime\n fieldName\n fieldPath\n message\n }\n ... on TokenNotFoundError {\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n transactionId\n }\n ... on InvalidTokenError {\n dateTimeUtc\n deTokenizedPaymentMethodType\n errorDateTime\n expectedPaymentMethodType\n message\n }\n ... on RouteNotFoundError {\n boardedPaymentBrandsForAcceptor\n dateTimeUtc\n errorDateTime\n message\n paymentBrand\n }\n }\n }\n}",
"variables": {
"initiateBankTransferInput": {
"acceptorId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"amountDetails": {
"currency": "USD",
"totalAmount": 0
},
"channel": "ECOMMERCE",
"paymentMethodDetails": {
"acquirerTokenDetails": "example",
"bankAccountDetails": "example"
},
"transactionReference": "example"
}
}
}'
{
"data": {
"initiateBankTransfer": {
"bankTransferResponse": {
"activityDate": "2026-01-15",
"duration": 0,
"isDuplicateRequest": true,
"message": "example",
"paymentId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
"processorResponseCode": "A0000",
"sanitizedFields": [
{
"fieldName": "example",
"fieldPath": "example",
"originalValue": "example",
"reason": "example",
"sanitizedValue": "example"
}
],
"timestampUtc": "2026-01-15T14:30:00Z",
"tokenDetails": {
"token": "example",
"tokenizedPan": "example"
},
"transactionId": "c9a1e2d3-4b5f-6789-0abc-def123456789"
},
"errors": [
{
"__typename": "InternalServiceError",
"dateTimeUtc": "2026-01-15T14:30:00Z",
"errorDateTime": "2026-01-15T14:30:00Z",
"message": "example",
"processorResponseCode": "A0000",
"transactionId": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901"
}
]
}
}
}
Mutation
Arguments
Show child attributes
Show child attributes
A unique, 36 character identifier created by Tesouro and assigned to the entity providing the goods or services to the cardholder, such as a Merchant, a Submerchant of a Payment Facilitator, a Seller within a Marketplace, or a Biller of a Consumer Bill Payment Service Provider (CBPS). Historically, processors have called this identifier the Merchant ID (or MID), Outlet ID, or Customer number.
An amount that adjusts the partner fee for this transaction.
Specifies the total amount of the transaction and its currency.
Show child attributes
Show child attributes
The currency for the bank account transfer.
Show Possible enum values
Show Possible enum values
Any fee amounts. Only CONVENIENCE fee type is supported for bank transfers.See PaymentFeeInput
The total amount of the bank transfer.
Details pertaining to the customer’s billing address.See AddressDetailsInput
How the consumer interacts with the acceptor. Defaults to ECOMMERCE if not provided.See PaymentChannel
Details pertaining to the customer’s order.See OrderDetailsInput
Details regarding the payment method.
Show child attributes
Show child attributes
Show child attributes
Show child attributes
The value of the acquirer token.
The value of the acquirer token.Deprecated: Use token instead.
The wallet provider for this payment method. Null if not applicable.See WalletType
Show child attributes
Show child attributes
The account number of the bank account.
The type of the account owner (e.g., personal, business).See AccountOwnerType
The type of the bank account (e.g., consumer, business).See BankAccountType
The name on the bank account.
Describes how a customer or business authorized an ACH transaction
Show Possible enum values
Show Possible enum values
The routing number of the bank account.
The wallet provider for this payment method. Null if not applicable.See WalletType
If the payment transaction is performed at a specific point of interaction this field should be provided.See PointOfInteractionInput
A unique identifier created by the entity holding the direct relationship with the Acceptor, and used by that entity for reconciliation and transaction search. Tesouro uses this identifier to manage idempotency.
Return type
InitiateBankTransferPayload!
Show child attributes
Show child attributes
The date Tesouro received the transaction based on acceptor cutoff time
Difference between request receipt and response in milliseconds.Deprecated: New durations coming soon.
Result of Tesouro’s idempotency check. If the transaction reference matches that of another transaction from that presenter it will be treated as a duplicate.
A detailed description of the response code. e.g., Insufficient funds.
A unique 36 character identifier created by Tesouro and assigned to a group of transactions in the same payment request cohort. e.g., An authorization request, incremental authorization request, and the final capture would have the same paymentID.
A normalized 4-character response code defined by Tesouro that represents the outcome of the payment transaction request.See ProcessorResponseCode
List of fields that were detected as invalid and sanitized by Tesouro to prevent the payment transaction request from failing.See SanitizedFieldOutput
The UTC date and time the transaction was received by Tesouro.
Details associated with the token generated on a tokenization request.See TokenDetails
A unique identifier created by Tesouro and assigned to the transaction.
Show Possible types
Show Possible types
Show InternalServiceError
Show InternalServiceError
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
A human readable description of the error.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
Show AcceptorNotFoundError
Show AcceptorNotFoundError
This occurs when an acceptor cannot be found because it does not exist or because it is not presented by the submitted presenter.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
A human readable description of the error.
The organization Id presented with this transaction.
The presenter Id presented with this transaction.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
The invalid acceptor Id.
Show RuleInViolationError
Show RuleInViolationError
This occurs when an internal Tesouro business rule is in violation.
Advice on how to overcome the rule in the future.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
An explanation of why the rule exists.
A human readable description of the error.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
Show TimeoutOnNetworkResponseError
Show TimeoutOnNetworkResponseError
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
A human readable description of the error.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
The amount of time Tesouro waited for a response in milliseconds.
Show ValidationFailureError
Show ValidationFailureError
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
The name of the graphql field in error.
The path to the graphql field in error.
A human readable description of the error.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
The value of the graphql field in error.
Show TokenNotFoundError
Show TokenNotFoundError
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
A human readable description of the error.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
Show InvalidTokenError
Show InvalidTokenError
Occurs when an acquirer token deTokenizes into a payment method that is not supportedby the current action.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The type of payment method behind the token.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
A human readable description of the error.
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
Show RouteNotFoundError
Show RouteNotFoundError
Occurs when there is no boarded route with Tesouro to process the presented payment method.
The current list of payment brands Tesouro has routes to support.See PaymentBrand
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.Deprecated: Use errorDateTime instead.
The date and time, in UTC, that the error occured. Formatted as 2024-03-27T02:40:00Z.
A human readable description of the error.
The assigned payment brand of the payment method presented for processing.See PaymentBrand
Tesouro response code indicating the error.See ProcessorResponseCode
Unique ID for the transaction assigned by Tesouro.
mutation InitiateBankTransfer($initiateBankTransferInput: InitiateBankTransferInput!) {
initiateBankTransfer(initiateBankTransferInput: $initiateBankTransferInput) {
bankTransferResponse {
activityDate
duration
isDuplicateRequest
message
paymentId
processorResponseCode
sanitizedFields {
fieldName
fieldPath
originalValue
reason
sanitizedValue
}
timestampUtc
tokenDetails {
token
tokenizedPan
}
transactionId
}
errors {
... on InternalServiceError {
dateTimeUtc
errorDateTime
message
processorResponseCode
transactionId
}
... on AcceptorNotFoundError {
dateTimeUtc
errorDateTime
message
organizationId
presenterId
}
... on RuleInViolationError {
advice
dateTimeUtc
errorDateTime
explanationOfRule
message
}
... on TimeoutOnNetworkResponseError {
attemptedNetwork
dateTimeUtc
errorDateTime
message
processorResponseCode
}
... on ValidationFailureError {
dateTimeUtc
errorDateTime
fieldName
fieldPath
message
}
... on TokenNotFoundError {
dateTimeUtc
errorDateTime
message
processorResponseCode
transactionId
}
... on InvalidTokenError {
dateTimeUtc
deTokenizedPaymentMethodType
errorDateTime
expectedPaymentMethodType
message
}
... on RouteNotFoundError {
boardedPaymentBrandsForAcceptor
dateTimeUtc
errorDateTime
message
paymentBrand
}
}
}
}
{
"initiateBankTransferInput": {
"acceptorId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"amountDetails": {
"currency": "USD",
"totalAmount": 0
},
"channel": "ECOMMERCE",
"paymentMethodDetails": {
"acquirerTokenDetails": "example",
"bankAccountDetails": "example"
},
"transactionReference": "example"
}
}
curl --request POST \
--url https://api.sandbox.com/graphql \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <YOUR_ACCESS_TOKEN>' \
--data '{
"query": "mutation InitiateBankTransfer($initiateBankTransferInput: InitiateBankTransferInput!) {\n initiateBankTransfer(initiateBankTransferInput: $initiateBankTransferInput) {\n bankTransferResponse {\n activityDate\n duration\n isDuplicateRequest\n message\n paymentId\n processorResponseCode\n sanitizedFields {\n fieldName\n fieldPath\n originalValue\n reason\n sanitizedValue\n }\n timestampUtc\n tokenDetails {\n token\n tokenizedPan\n }\n transactionId\n }\n errors {\n ... on InternalServiceError {\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n transactionId\n }\n ... on AcceptorNotFoundError {\n dateTimeUtc\n errorDateTime\n message\n organizationId\n presenterId\n }\n ... on RuleInViolationError {\n advice\n dateTimeUtc\n errorDateTime\n explanationOfRule\n message\n }\n ... on TimeoutOnNetworkResponseError {\n attemptedNetwork\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n }\n ... on ValidationFailureError {\n dateTimeUtc\n errorDateTime\n fieldName\n fieldPath\n message\n }\n ... on TokenNotFoundError {\n dateTimeUtc\n errorDateTime\n message\n processorResponseCode\n transactionId\n }\n ... on InvalidTokenError {\n dateTimeUtc\n deTokenizedPaymentMethodType\n errorDateTime\n expectedPaymentMethodType\n message\n }\n ... on RouteNotFoundError {\n boardedPaymentBrandsForAcceptor\n dateTimeUtc\n errorDateTime\n message\n paymentBrand\n }\n }\n }\n}",
"variables": {
"initiateBankTransferInput": {
"acceptorId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"amountDetails": {
"currency": "USD",
"totalAmount": 0
},
"channel": "ECOMMERCE",
"paymentMethodDetails": {
"acquirerTokenDetails": "example",
"bankAccountDetails": "example"
},
"transactionReference": "example"
}
}
}'
{
"data": {
"initiateBankTransfer": {
"bankTransferResponse": {
"activityDate": "2026-01-15",
"duration": 0,
"isDuplicateRequest": true,
"message": "example",
"paymentId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
"processorResponseCode": "A0000",
"sanitizedFields": [
{
"fieldName": "example",
"fieldPath": "example",
"originalValue": "example",
"reason": "example",
"sanitizedValue": "example"
}
],
"timestampUtc": "2026-01-15T14:30:00Z",
"tokenDetails": {
"token": "example",
"tokenizedPan": "example"
},
"transactionId": "c9a1e2d3-4b5f-6789-0abc-def123456789"
},
"errors": [
{
"__typename": "InternalServiceError",
"dateTimeUtc": "2026-01-15T14:30:00Z",
"errorDateTime": "2026-01-15T14:30:00Z",
"message": "example",
"processorResponseCode": "A0000",
"transactionId": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901"
}
]
}
}
}
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