Skip to main content

Internal Transfer

Move funds between two accounts in ledger (same customer/different customers). This API is useful to support internal transfer between two different customer accounts. This is also useful in the fintech context while trying to automate the movement funds between accounts of the same customer.

Method: POST​

{{URL}}/rpc/paymentv2

Headers​

NameValue
Content-Typeapplication/json

Example​

Payload Parameters
ParameterDescription
methodString
Name of the API method to be invoked. Must be "ledger.ach.transfer"
idString
Unique identifier for the request, used for tracking
params.payload.channelString
Channel through which the transaction is initiated (e.g., "API")
params.payload.transactionTypeString
Type of transaction. Example: "INTERNAL_TRANSFER"
params.payload.productString
Product associated with the transfer. Example: "DEFAULT"
params.payload.programString
Program name associated with the transaction. Example: "DEFAULT"
params.payload.transactionDateTimeString (DateTime)
Date and time of the transaction in YYYY-MM-DD HH:MM:SS format
params.payload.referenceString
Unique reference ID for the transaction
params.payload.reasonString
Reason for the transaction. Example: "Settlement"
params.payload.transactionAmount.amountString (Decimal)
Amount to be transferred. Example: "200"
params.payload.transactionAmount.currencyString
Currency of the transaction amount. Example: "USD"
params.payload.debtorAccount.identificationString
Identifier of the debtor's account
params.payload.debtorAccount.identificationTypeString
Type of debtor account identifier. Example: "ACCOUNT_NUMBER"
params.payload.debtorAccount.institution.nameString
Name of the debtor's financial institution. Example: "CBW BANK"
params.payload.debtorAccount.institution.identificationString
Identifier of the institution. Example: "101110802"
params.payload.debtorAccount.institution.identificationTypeString
Type of institution identifier. Example: "ABA"
params.payload.creditorAccount.identificationString
Identifier of the creditor's account
params.payload.creditorAccount.identificationTypeString
Type of creditor account identifier. Example: "ACCOUNT_NUMBER"
params.api.credentialString
Authentication credential/token used for API access
params.api.signatureString
Cryptographic signature for securing the API call
params.api.apiKeyString
API key assigned to the application/client

curl --location 'https://plus.netxd.com/pl/rpc/paymentv2' \
--header 'Signature: MEYCIQC7EP6iBea+fhgXv6IHVrKPpAdZQhfxdN/96JerH/aBlgIhALGqb1yJiK5/OJU2Trc+N77prwO7aOVv9MpkZy58fmdA' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic ay5yYWpha2FubnUrMDIxQG5ldHhkLmNvbTo5YjQ3NGVlZTBjYzU0ZmQ2OTQxMDkzYzdkMTJjNjdmYg==' \
--data '{"method":"ledger.ach.transfer","id":"1","params":{"payload":{"channel":"API","transactionType":"INTERNAL_TRANSFER","product":"DEFAULT","program":"DEFAULT","transactionDateTime":"2021-01-19 06:20:35","reference":"REF161132438","reason":"Settlement","transactionAmount":{"amount":"200","currency":"USD"},"debtorAccount":{"identification":"200829782920526","identificationType":"ACCOUNT_NUMBER","institution":{"name":"CBW BANK","identification":"101110802","identificationType":"ABA"}},"creditorAccount":{"identification":"200842161180479","identificationType":"ACCOUNT_NUMBER"}},"api":{"credential":"Basic ay5yYWpha2FubnUrMDIxQG5ldHhkLmNvbTo5YjQ3NGVlZTBjYzU0ZmQ2OTQxMDkzYzdkMTJjNjdmYg==","signature":"MEYCIQC7EP6iBea+fhgXv6IHVrKPpAdZQhfxdN/96JerH/aBlgIhALGqb1yJiK5/OJU2Trc+N77prwO7aOVv9MpkZy58fmdA","apiKey":"9b474eee0cc54fd6941093c7d12c67fb"}}}'


Body​

{
  "method": "ledger.ach.transfer",
  "id": "1",
  "params": {
    "payload": {
      "channel": "API",
      "transactionType": "INTERNAL_TRANSFER",
      "product": "DEFAULT",
      "program": "DEFAULT",
      "transactionDateTime": "2021-01-19 06:20:35",
      "reference": "REF161132438",
      "reason": "Settlement",
      "transactionAmount": {
        "amount": "200",
        "currency": "USD"
      },
      "debtorAccount": {
        "identification": "200829782920526",
        "identificationType": "ACCOUNT_NUMBER",
        "institution": {
          "name": "CBW BANK",
          "identification": "101110802",
          "identificationType": "ABA"
        }
      },
      "creditorAccount": {
        "identification": "200842161180479",
        "identificationType": "ACCOUNT_NUMBER"
      }
    },
    "api": {
      "credential": "{{legarepcred}}",
      "signature": "{{signature}}",
      "apiKey": "{{legalrepkey}}"
    }
  }
}

Response: 200​

Payload Parameters
ParameterDescription
idString
Unique identifier matching the API request ID
result.api.typeString
Type of API response. Example: "INTERNAL_TRANSFER_ACK"
result.api.referenceString
Reference ID of the original transaction
result.api.dateTimeString (DateTime)
Date and time of the API response in YYYY-MM-DD HH:MM:SS format
result.account.accountIdString
Account ID of the account involved in the transaction
result.account.balanceCentsInteger
Current account balance in cents
result.account.statusString
Status of the account. Example: "ACTIVE"
result.transactionNumberString
Unique identifier for the processed transaction
result.transactionStatusString
Status of the transaction. Example: "COMPLETED"
result.transactionAmountCentsInteger
Transaction amount in cents
result.originalRequestBase64String (Base64 Encoded)
Original request payload in Base64 encoded format
result.processIdString
Internal processing ID assigned to the transaction
header.referenceString
Reference ID echoed from the original request
header.apiKeyString
API key used for authentication
header.signatureString
Cryptographic signature for securing the response

{
    "id": "1",
    "result": {
        "api": {
            "type": "INTERNAL_TRANSFER_ACK",
            "reference": "REF161132438",
            "dateTime": "2025-05-13 09:50:07"
        },
        "account": {
            "accountId": "200829782920526",
            "balanceCents": 11800733,
            "status": "ACTIVE"
        },
        "transactionNumber": "QA00000001572013",
        "transactionStatus": "COMPLETED",
        "transactionAmountCents": 200,
        "originalRequestBase64": "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",
        "processId": "PL25051301545009"
    },
    "header": {
        "reference": "REF161132438",
        "apiKey": "9b474eee0cc54fd6941093c7d12c67fb",
        "signature": "MEYCIQC7EP6iBea+fhgXv6IHVrKPpAdZQhfxdN/96JerH/aBlgIhALGqb1yJiK5/OJU2Trc+N77prwO7aOVv9MpkZy58fmdA"
    }
}