> ## Documentation Index > Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt > Use this file to discover all available pages before exploring further. # Create FedNow transfer > Creates a FedNow (Federal Reserve instant payment) money movement. **Token types:** APP, USER | **Required scopes:** `transfer:write:org` ## OpenAPI ````yaml /.tooling/schemas/rest/tags/product-embedded-banking.json post /embedded-banking/v1/money-movements/fednow openapi: 3.1.0 info: title: Tesouro Partner API version: '2026-09-24' description: The Tesouro REST API, for Tesouro partners to integrate with our solution. termsOfService: https://tesouro.com/terms contact: name: Tesouro team url: https://tesouro.com/about/ email: developers@tesouro.com servers: - url: https://api.sandbox.tesouro.com description: Sandbox security: [] tags: - name: Applications - name: Authorization Controls - name: Bank Accounts - name: Beneficial Owners - name: Checks - name: Debit Cards - name: Departments - name: Disclosures - name: Embedded Banking - name: External Bank Accounts - name: Locations - name: Money Movement - name: OIDC applications - name: Organization Summary - name: Organizations - name: Roles - name: Users paths: /embedded-banking/v1/money-movements/fednow: post: tags: - Money Movement - Embedded Banking summary: Create FedNow transfer description: |- Creates a FedNow (Federal Reserve instant payment) money movement. **Token types:** APP, USER | **Required scopes:** `transfer:write:org` operationId: CreateFedNowMoneyMovement parameters: [] requestBody: content: application/json: schema: $ref: '#/components/schemas/FedNowMoneyMovementRequest' application/*+json: schema: $ref: '#/components/schemas/FedNowMoneyMovementRequest' required: true responses: '201': description: Money movement created successfully. content: application/json: schema: $ref: '#/components/schemas/MoneyMovementResponse' '400': description: Invalid request. content: application/json: schema: $ref: '#/components/schemas/EmbedProblemDetails' '401': description: Authentication required. content: application/json: schema: $ref: '#/components/schemas/ProblemDetails' '403': description: Insufficient permissions or missing payment rail scope. content: application/json: schema: $ref: '#/components/schemas/EmbedProblemDetails' '409': description: Duplicate idempotency key. content: application/json: schema: $ref: '#/components/schemas/EmbedProblemDetails' security: - APPToken: - transfer:write:org - USERToken: - transfer:write:org components: schemas: FedNowMoneyMovementRequest: required: - fromBankAccountId - toBankAccountId - amount type: object properties: amount: pattern: ^-?(?:0|[1-9]\d*)$ type: - integer - string description: Amount to transfer. Must be greater than 0. format: int64 currencyCode: type: string description: >- ISO 4217 alphabetic currency code (e.g. `USD`). Defaults to `USD` when omitted. Determines the minor unit precision of long FedNowMoneyMovementRequest.Amount. default: USD fromBankAccountId: type: string description: Source bank account identifier. format: uuid idempotencyKey: type: - 'null' - string description: |- Optional idempotency key for preventing duplicate transfers. Maximum length: 256 characters. memo: type: - 'null' - string description: Optional payment memo or description. reference: type: - 'null' - string description: >- 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. toBankAccountId: type: string description: Destination bank account identifier. format: uuid description: Request model for initiating a FedNow (FedNow Service) money movement. MoneyMovementResponse: required: - id - network - fromBankAccount - toBankAccount - amount - date - status type: object properties: id: type: string description: Unique money movement identifier. format: uuid amount: $ref: '#/components/schemas/AmountOutput' description: Money movement amount. date: type: string description: Money movement date. format: date fromBankAccount: $ref: '#/components/schemas/BankAccountInfo' description: Source bank account information. network: $ref: '#/components/schemas/BankAccountTransferNetworkTypeDto' description: 'Payment network: BOOK, ACH, RTP, or FED_NOW.' reference: type: - 'null' - string description: >- The caller-supplied reference from the request, echoed back unchanged. Null when the request omitted one. status: $ref: '#/components/schemas/BankAccountTransferStatusDto' description: Money movement status. toBankAccount: $ref: '#/components/schemas/BankAccountInfo' description: Destination bank account information. description: Response model for a money movement operation. EmbedProblemDetails: type: object properties: detail: type: - 'null' - string errorCode: type: - 'null' - string description: >- Embed-specific error code for client error handling. Stored in the Extensions dictionary to ensure proper JSON serialization. instance: type: - 'null' - string status: pattern: ^-?(?:0|[1-9]\d*)$ type: - 'null' - integer - string format: int32 title: type: - 'null' - string type: type: - 'null' - string description: |- Extended ProblemDetails with Embed-specific error code. Follows RFC 7807 with additional error code field. ProblemDetails: type: object properties: detail: type: - 'null' - string instance: type: - 'null' - string status: pattern: ^-?(?:0|[1-9]\d*)$ type: - 'null' - integer - string format: int32 title: type: - 'null' - string type: type: - 'null' - string AmountOutput: required: - value - currencyCode type: object properties: currencyCode: type: string description: The ISO 4217 three-letter currency code (e.g. `"USD"`). value: pattern: ^-?(?:0|[1-9]\d*)$ type: - integer - string description: >- The monetary value in the currency's minor units (e.g. cents for USD). For example, USD $12.34 is represented as `1234`. format: int64 description: >- Output model representing a monetary amount in minor units alongside its ISO 4217 currency. BankAccountInfo: required: - id type: object properties: id: type: string description: Bank account identifier. format: uuid nickname: type: - 'null' - string description: Optional bank account nickname. description: Bank account information for a money movement. BankAccountTransferNetworkTypeDto: enum: - BOOK - ACH - RTP - FED_NOW type: string description: Type of payment network used for bank account transfers. BankAccountTransferStatusDto: enum: - PENDING - COMPLETED - FAILED type: string description: Status of a bank account transfer operation. securitySchemes: APPToken: type: oauth2 description: Application (M2M) OAuth2 access token (client credentials). flows: clientCredentials: tokenUrl: /connect/token scopes: acceptor:application:read: >- View merchant boarding applications, including business and ownership details. Contains sensitive personally identifiable information. acceptor:application:secondaryapproval: >- Provide a secondary approval on merchant boarding and underwriting applications as part of a multi-step review. acceptor:application:write: >- Edit, approve, and manage merchant boarding and underwriting applications, and attach supporting documents. accounting_config:read:org: >- View ledger accounts, tax rates, cost centers, tags, and projects configured for your organization. accounting_config:write:org: >- Create and update ledger accounts, tax rates, cost centers, tags, and projects for your organization. acquiring:report:read: >- View transaction and settlement reports for your acquiring activity. approval_policy:read:org: >- View approval workflows and spending policies configured for your organization. approval_policy:write:org: >- Create and update approval workflows and spending policies for your organization. approval_request:create:org: >- Submit items for approval within your organization's approval workflows. approval_request:delete:org: Delete approval requests within your organization. approval_request:read:org: >- View pending and completed approval requests across your organization. approval_request:update:org: >- Edit and update existing approval requests within your organization. authorization_control:read:org: Read access to authorization control at the organization level. authorization_control:write:org: Write access to authorization control at the organization level. bank_account_application:read:org: >- View submitted applications to open bank accounts within your organization. bank_account_application:write:org: >- Submit and manage applications to open new bank accounts within your organization. bank_account:read:org: View bank account details and balances within your organization. bank_account:write:org: Create, update, and close bank accounts within your organization. beneficial_owner:read:org: >- View beneficial ownership information, including individuals' ownership stakes and identifying details. check_deposit:write:org: >- Deposit checks into bank accounts within your organization by submitting the check details for processing. comment:read:org: >- View comments and notes added to financial records across your organization. comment:write:org: >- Add and manage comments and notes on financial records across your organization. counterpart:read:org: >- View the suppliers and clients your organization transacts with. Counterparts are required before creating invoices, quotes, and other financial documents. counterpart:write:org: >- Add and update the suppliers and clients your organization transacts with. Counterparts are required before creating invoices, quotes, and other financial documents. credit_card:activate:org: >- Activate newly issued credit cards for use within your organization. credit_card_application:read:org: View credit card applications submitted within your organization. credit_card_application:write:org: >- Submit and manage credit card applications within your organization. credit_card:issue:org: Issue new credit cards for cardholders in your organization. credit_card:read:org: >- View credit card details and status for cards in your organization. debit_card:activate:org: >- Activate newly issued debit cards for use within your organization. debit_card:close:org: Permanently close debit cards in your organization. debit_card:issue:org: Issue new debit cards for cardholders in your organization. debit_card:lock:org: Lock or unlock debit cards in your organization. debit_card:read:org: View debit card details and status for cards in your organization. developer_portal: >- Access the Tesouro Developer Portal to view API documentation and manage developer resources. dispute:read: >- View payment disputes and any supporting documents attached to them. dispute:write: >- Accept or challenge payment disputes by uploading and submitting supporting evidence. email: '' expense:approve:org: >- Review and approve or reject expense reports submitted across your organization. expense:read:org: View expense reports and submissions across your organization. expense:read:self: View your own expense submissions and reports. expense:write:org: Create and update expense submissions across your organization. expense:write:self: Submit and update your own expense reports. export:read:org: >- View and download previously generated data exports for your organization. export:write:org: Generate and manage data exports for your organization. external_bank_account:micro_deposit:org: >- Initiate micro-deposit verification to confirm ownership of external bank accounts linked to your organization. external_bank_account:read:org: >- View external bank accounts that have been linked to your organization. external_bank_account:set_verification:org: >- Manually set the verification status of linked external bank accounts, bypassing the standard verification process. external_bank_account:write:org: >- Add, update, or remove external bank accounts linked to your organization. invoice:read:org: View invoices issued and received across your organization. invoice:write:org: Create, edit, and manage invoices across your organization. mailbox:read:org: >- View the email mailboxes configured to automatically capture incoming invoices as payables and collect expense receipts for your organization. mailbox:write:org: >- Configure email mailboxes that automatically capture incoming invoices as payables and collect expense receipts for your organization. notification:subscription:read: >- View active webhook and event notification subscriptions and their configurations. notification:subscription:write: >- Create, update, and delete webhook and event notification subscriptions. ocr_task:read:org: >- View the results and status of automated receipt and invoice scanning tasks. ocr_task:write:org: >- Submit and manage automated receipt and invoice scanning tasks for your organization. offline_access: '' oidc:app:manage: >- Add, edit, and remove access to OIDC applications and their scopes. oidc:app:read: Read only access to the OIDC applications and their scopes oidc:app:write: >- Add and edit - but not remove - access to OIDC applications and their scopes openid: '' organization:read:org: View your organization's profile and general details. organization_settings:read:org: View configuration settings for your organization. organization_settings:write:org: Update configuration settings for your organization. organization:write:org: Update your organization's profile and general details. org:write:all: >- Enable or disable organizations on the platform. This is a high-privilege permission typically reserved for platform administrators. partner_portal: >- Access the Tesouro Partner Portal to manage your partnership settings and sub-merchant configurations. payable:approve:org: >- Review and approve bills and accounts payable before they are paid. payable:pay:org: >- Authorize and submit payments for approved bills and accounts payable. payable:read:org: View bills and accounts payable across your organization. payable:write:org: >- Create and update bills and accounts payable across your organization. payment_link:write: >- Generate and manage shareable payment links to collect payments from customers. payment_processing: '' payment_rail:ach: Process payments via the ACH (Automated Clearing House) network. payment_rail:fednow: Process instant payments via the FedNow network. payment_rail:rtp: Process real-time payments via the RTP network. payment_record:read:org: >- View payment transaction history and records for your organization. payment_record:write:org: >- Record payments against invoices and manage their status, including marking payments as succeeded, cancelling, or moving them into processing. product:read:org: >- View the product and service catalog used for invoicing within your organization. product:write:org: >- Add and update products and services in your organization's invoicing catalog. profile: '' role:read:org: >- View user roles and their associated permissions within your organization. role:write:org: >- Create and update user roles and permission sets within your organization. transfer:write:org: Create and submit money transfers within your organization. underwriting:application:approval:escalation: >- Provide a senior-level escalation approval on underwriting applications that require additional review. underwriting:application:approval:secondary: >- Provide a second-level approval on underwriting applications as part of a multi-step review process. underwriting:application:read: >- View underwriting applications, including sensitive business details and personally identifiable information. underwriting:application:write: >- Edit, approve, and manage underwriting applications and decisions, and attach supporting documents. user_profile:write:all: >- Update profile information for any user across all organizations. This is a high-privilege permission typically reserved for platform administrators. user_profile:write:self: >- Update your own user profile, including your name, contact information, and preferences. user:read:org: View user accounts and their details within your organization. user:read:self: >- Read access to the user's own record and the name/email of their direct reports. user:write:all: >- Create and manage user accounts across multiple organizations. This is a high-privilege permission typically reserved for platform administrators. user:write:org: Create, update, and manage user accounts within your organization. USERToken: type: oauth2 description: User OAuth2 access token (authorization code with PKCE). flows: authorizationCode: authorizationUrl: /connect/authorize tokenUrl: /connect/token scopes: acceptor:application:read: >- View merchant boarding applications, including business and ownership details. Contains sensitive personally identifiable information. acceptor:application:secondaryapproval: >- Provide a secondary approval on merchant boarding and underwriting applications as part of a multi-step review. acceptor:application:write: >- Edit, approve, and manage merchant boarding and underwriting applications, and attach supporting documents. accounting_config:read:org: >- View ledger accounts, tax rates, cost centers, tags, and projects configured for your organization. accounting_config:write:org: >- Create and update ledger accounts, tax rates, cost centers, tags, and projects for your organization. acquiring:report:read: >- View transaction and settlement reports for your acquiring activity. approval_policy:read:org: >- View approval workflows and spending policies configured for your organization. approval_policy:write:org: >- Create and update approval workflows and spending policies for your organization. approval_request:create:org: >- Submit items for approval within your organization's approval workflows. approval_request:delete:org: Delete approval requests within your organization. approval_request:read:org: >- View pending and completed approval requests across your organization. approval_request:update:org: >- Edit and update existing approval requests within your organization. authorization_control:read:org: Read access to authorization control at the organization level. authorization_control:write:org: Write access to authorization control at the organization level. bank_account_application:read:org: >- View submitted applications to open bank accounts within your organization. bank_account_application:write:org: >- Submit and manage applications to open new bank accounts within your organization. bank_account:read:org: View bank account details and balances within your organization. bank_account:write:org: Create, update, and close bank accounts within your organization. beneficial_owner:read:org: >- View beneficial ownership information, including individuals' ownership stakes and identifying details. check_deposit:write:org: >- Deposit checks into bank accounts within your organization by submitting the check details for processing. comment:read:org: >- View comments and notes added to financial records across your organization. comment:write:org: >- Add and manage comments and notes on financial records across your organization. counterpart:read:org: >- View the suppliers and clients your organization transacts with. Counterparts are required before creating invoices, quotes, and other financial documents. counterpart:write:org: >- Add and update the suppliers and clients your organization transacts with. Counterparts are required before creating invoices, quotes, and other financial documents. credit_card:activate:org: >- Activate newly issued credit cards for use within your organization. credit_card_application:read:org: View credit card applications submitted within your organization. credit_card_application:write:org: >- Submit and manage credit card applications within your organization. credit_card:issue:org: Issue new credit cards for cardholders in your organization. credit_card:read:org: >- View credit card details and status for cards in your organization. debit_card:activate:org: >- Activate newly issued debit cards for use within your organization. debit_card:close:org: Permanently close debit cards in your organization. debit_card:issue:org: Issue new debit cards for cardholders in your organization. debit_card:lock:org: Lock or unlock debit cards in your organization. debit_card:read:org: View debit card details and status for cards in your organization. developer_portal: >- Access the Tesouro Developer Portal to view API documentation and manage developer resources. dispute:read: >- View payment disputes and any supporting documents attached to them. dispute:write: >- Accept or challenge payment disputes by uploading and submitting supporting evidence. email: '' expense:approve:org: >- Review and approve or reject expense reports submitted across your organization. expense:read:org: View expense reports and submissions across your organization. expense:read:self: View your own expense submissions and reports. expense:write:org: Create and update expense submissions across your organization. expense:write:self: Submit and update your own expense reports. export:read:org: >- View and download previously generated data exports for your organization. export:write:org: Generate and manage data exports for your organization. external_bank_account:micro_deposit:org: >- Initiate micro-deposit verification to confirm ownership of external bank accounts linked to your organization. external_bank_account:read:org: >- View external bank accounts that have been linked to your organization. external_bank_account:set_verification:org: >- Manually set the verification status of linked external bank accounts, bypassing the standard verification process. external_bank_account:write:org: >- Add, update, or remove external bank accounts linked to your organization. invoice:read:org: View invoices issued and received across your organization. invoice:write:org: Create, edit, and manage invoices across your organization. mailbox:read:org: >- View the email mailboxes configured to automatically capture incoming invoices as payables and collect expense receipts for your organization. mailbox:write:org: >- Configure email mailboxes that automatically capture incoming invoices as payables and collect expense receipts for your organization. notification:subscription:read: >- View active webhook and event notification subscriptions and their configurations. notification:subscription:write: >- Create, update, and delete webhook and event notification subscriptions. ocr_task:read:org: >- View the results and status of automated receipt and invoice scanning tasks. ocr_task:write:org: >- Submit and manage automated receipt and invoice scanning tasks for your organization. offline_access: '' oidc:app:manage: >- Add, edit, and remove access to OIDC applications and their scopes. oidc:app:read: Read only access to the OIDC applications and their scopes oidc:app:write: >- Add and edit - but not remove - access to OIDC applications and their scopes openid: '' organization:read:org: View your organization's profile and general details. organization_settings:read:org: View configuration settings for your organization. organization_settings:write:org: Update configuration settings for your organization. organization:write:org: Update your organization's profile and general details. org:write:all: >- Enable or disable organizations on the platform. This is a high-privilege permission typically reserved for platform administrators. partner_portal: >- Access the Tesouro Partner Portal to manage your partnership settings and sub-merchant configurations. payable:approve:org: >- Review and approve bills and accounts payable before they are paid. payable:pay:org: >- Authorize and submit payments for approved bills and accounts payable. payable:read:org: View bills and accounts payable across your organization. payable:write:org: >- Create and update bills and accounts payable across your organization. payment_link:write: >- Generate and manage shareable payment links to collect payments from customers. payment_processing: '' payment_rail:ach: Process payments via the ACH (Automated Clearing House) network. payment_rail:fednow: Process instant payments via the FedNow network. payment_rail:rtp: Process real-time payments via the RTP network. payment_record:read:org: >- View payment transaction history and records for your organization. payment_record:write:org: >- Record payments against invoices and manage their status, including marking payments as succeeded, cancelling, or moving them into processing. product:read:org: >- View the product and service catalog used for invoicing within your organization. product:write:org: >- Add and update products and services in your organization's invoicing catalog. profile: '' role:read:org: >- View user roles and their associated permissions within your organization. role:write:org: >- Create and update user roles and permission sets within your organization. transfer:write:org: Create and submit money transfers within your organization. underwriting:application:approval:escalation: >- Provide a senior-level escalation approval on underwriting applications that require additional review. underwriting:application:approval:secondary: >- Provide a second-level approval on underwriting applications as part of a multi-step review process. underwriting:application:read: >- View underwriting applications, including sensitive business details and personally identifiable information. underwriting:application:write: >- Edit, approve, and manage underwriting applications and decisions, and attach supporting documents. user_profile:write:all: >- Update profile information for any user across all organizations. This is a high-privilege permission typically reserved for platform administrators. user_profile:write:self: >- Update your own user profile, including your name, contact information, and preferences. user:read:org: View user accounts and their details within your organization. user:read:self: >- Read access to the user's own record and the name/email of their direct reports. user:write:all: >- Create and manage user accounts across multiple organizations. This is a high-privilege permission typically reserved for platform administrators. user:write:org: Create, update, and manage user accounts within your organization. ````