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POST
Create FedNow transfer

Authorizations

Authorization
string
header
required

Application (M2M) OAuth2 access token (client credentials).

Body

Request model for initiating a FedNow (FedNow Service) money movement.

amount
required

Amount to transfer. Must be greater than 0.

fromBankAccountId
string<uuid>
required

Source bank account identifier.

toBankAccountId
string<uuid>
required

Destination bank account identifier.

currencyCode
string
default:USD

ISO 4217 alphabetic currency code (e.g. USD). Defaults to USD when omitted. Determines the minor unit precision of long FedNowMoneyMovementRequest.Amount.

idempotencyKey
null | string

Optional idempotency key for preventing duplicate transfers. Maximum length: 256 characters.

memo
null | string

Optional payment memo or description.

reference
null | string

Optional caller-supplied reference used to correlate this money movement with a payment record in the caller's own system. Stored against the money movement (with leading and trailing whitespace removed), echoed back on the creation response and on the bank account transfers list, and forwarded to the banking core as the ISO 20022 end-to-end id, which the provider echoes back on payment status events. Not required to be unique and not used for deduplication: supply idempotencyKey to make a retry safe. Maximum length: 35 characters (ISO 20022 Max35Text). Must not be blank or contain control characters.

Response

Money movement created successfully.

Response model for a money movement operation.

id
string<uuid>
required

Unique money movement identifier.

amount
object
required

Money movement amount.

date
string<date>
required

Money movement date.

fromBankAccount
object
required

Source bank account information.

network
enum<string>
required

Payment network: BOOK, ACH, RTP, or FED_NOW.

Available options:
BOOK,
ACH,
RTP,
FED_NOW
status
enum<string>
required

Money movement status.

Available options:
PENDING,
COMPLETED,
FAILED
toBankAccount
object
required

Destination bank account information.

reference
null | string

The caller-supplied reference from the request, echoed back unchanged. Null when the request omitted one.