API · Manage · Banking
Create a transfer.
Initiate an outgoing transfer (ACH, wire, international wire, or check). Returns 202 with a Transfer (xfr_*) in pending state; terminal status (completed | failed | returned) arrives via transfer.status_changed webhooks.
Tier-4 token required because transfers move money. Lower-tier tokens get 403 insufficient_tier.
Last updated
Path Parameters
idstringRequiredbank_account_idstringRequiredQuery Parameters
dry_runbooleanOptionalIf true, simulate the mutation and return the would-be resource, any cascaded
resources, and a fee estimate — without side effects. Available on every mutation.
Request Body
application/json
TypeScript Definitions
Use the request body type in TypeScript.
transfer_kindstringRequired"ach_credit""ach_debit""domestic_wire""international_wire""check_issued"amount_usd_centsintegerRequiredcounterpartyobjectRequirednamestringRequiredrouting_numberstringOptionalaccount_numberstringOptionalswift_bicstringOptionalFor international wires.
addressobjectOptionalmemostringOptionalauthorizing_stakeholder_idstringOptionalStakeholder authorizing the transfer; must be in authorized_signer_stakeholder_ids on the account.
Response Body
application/json
application/problem+json
application/problem+json
application/problem+json
application/problem+json
Request
curl -X POST "https://api.mattermode.com/v1/entities/string/bank_accounts/string/transfers" \ -H "Content-Type: application/json" \ -d '{ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "string" } }'const body = JSON.stringify({ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "string" }})fetch("https://api.mattermode.com/v1/entities/string/bank_accounts/string/transfers", { method: "POST", headers: { "Content-Type": "application/json" }, body})package mainimport ( "fmt" "net/http" "io/ioutil" "strings")func main() { url := "https://api.mattermode.com/v1/entities/string/bank_accounts/string/transfers" body := strings.NewReader(`{ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "string" } }`) req, _ := http.NewRequest("POST", url, body) req.Header.Add("Content-Type", "application/json") res, _ := http.DefaultClient.Do(req) defer res.Body.Close() body, _ := ioutil.ReadAll(res.Body) fmt.Println(res) fmt.Println(string(body))}import requestsheaders = { "Authorization": "Bearer sk_test_4eC39HqLyjWDarjtT1zdp7dc", "Matter-Version": "2026-06-10", "Idempotency-Key": "ee7c3a9b-3f1a-4d8e-9b2a-7c5e1f0a2d4b",}payload = { "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "example" }}resp = requests.post( "https://api.mattermode.com/v1/entities/ent_Nq3KcAbc/bank_accounts/id_placeholder/transfers", headers=headers, json=payload,)resp.raise_for_status()print(resp.json())import java.net.URI;import java.net.http.HttpClient;import java.net.http.HttpRequest;import java.net.http.HttpResponse;import java.net.http.HttpResponse.BodyHandlers;import java.time.Duration;import java.net.http.HttpRequest.BodyPublishers;var body = BodyPublishers.ofString("""{ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "string" }}""");HttpClient client = HttpClient.newBuilder() .connectTimeout(Duration.ofSeconds(10)) .build();HttpRequest.Builder requestBuilder = HttpRequest.newBuilder() .uri(URI.create("https://api.mattermode.com/v1/entities/string/bank_accounts/string/transfers")) .header("Content-Type", "application/json") .POST(body) .build();try { HttpResponse<String> response = client.send(requestBuilder.build(), BodyHandlers.ofString()); System.out.println("Status code: " + response.statusCode()); System.out.println("Response body: " + response.body());} catch (Exception e) { e.printStackTrace();}using System;using System.Net.Http;using System.Text;var body = new StringContent("""{ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "string" }}""", Encoding.UTF8, "application/json");var client = new HttpClient();var response = await client.PostAsync("https://api.mattermode.com/v1/entities/string/bank_accounts/string/transfers", body);var responseBody = await response.Content.ReadAsStringAsync();curl --request POST 'https://api.mattermode.com/v1/entities/ent_Nq3KcAbc/bank_accounts/id_placeholder/transfers' \ --header 'Authorization: Bearer sk_test_4eC39HqLyjWDarjtT1zdp7dc' \ --header 'Matter-Version: 2026-06-10' \ --header 'Idempotency-Key: ee7c3a9b-3f1a-4d8e-9b2a-7c5e1f0a2d4b' \ --header 'Content-Type: application/json' \ --data '{ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "example" }}'const response = await fetch("https://api.mattermode.com/v1/entities/ent_Nq3KcAbc/bank_accounts/id_placeholder/transfers", { method: "POST", headers: { "Authorization": "Bearer sk_test_4eC39HqLyjWDarjtT1zdp7dc", "Matter-Version": "2026-06-10", "Idempotency-Key": "ee7c3a9b-3f1a-4d8e-9b2a-7c5e1f0a2d4b", "Content-Type": "application/json", }, body: JSON.stringify({ "transfer_kind": "ach_credit", "amount_usd_cents": 1, "counterparty": { "name": "example" } }),});if (!response.ok) { throw new Error(`Matter API ${response.status}: ${await response.text()}`);}const data = await response.json();console.log(data);Response
application/json{
"object": "transfer",
"id": "string",
"bank_account_id": "string",
"transfer_kind": "ach_credit",
"direction": "incoming",
"amount_usd_cents": 0,
"status": "pending",
"counterparty": {},
"memo": "string",
"authorizing_stakeholder_id": "string",
"initiated_at": "2019-08-24T14:15:22Z",
"completed_at": "2019-08-24T14:15:22Z",
"partner_transfer_id": "string"
}{
"type": "https://mattermode.com/docs/errors/invalid_request",
"title": "Invalid request",
"status": 400,
"code": "invalid_request",
"detail": "Request body could not be parsed as JSON.",
"doc_url": "https://mattermode.com/docs/guides/errors#invalid_request",
"request_id": "req_Qw9xYz8A"
}{
"type": "https://mattermode.com/docs/errors/authentication_required",
"title": "Authentication required",
"status": 401,
"code": "authentication_required",
"detail": "No bearer token was supplied. Pass `Authorization: Bearer sk_live_...` on every request.",
"doc_url": "https://mattermode.com/docs/guides/errors#authentication_required",
"request_id": "req_Qw9xYz8A"
}{
"type": "https://mattermode.com/docs/errors/scope_denied",
"title": "Scope denied",
"status": 403,
"code": "scope_denied",
"detail": "Token tok_8FbWcEoP9 has no grant on entity ent_Nq3KcAbc.",
"doc_url": "https://mattermode.com/docs/guides/errors#scope_denied",
"request_id": "req_Qw9xYz8A"
}{
"type": "https://mattermode.com/docs/errors/invalid_state_transition",
"title": "Invalid state transition",
"status": 409,
"code": "invalid_state_transition",
"detail": "Entity ent_Nq3KcAbc is in state `dissolved`; `dissolve` is not a valid transition.",
"doc_url": "https://mattermode.com/docs/guides/errors#invalid_state_transition",
"request_id": "req_Qw9xYz8A",
"current_state": "dissolved",
"attempted_transition": "dissolve",
"allowed_transitions": []
}{
"type": "https://mattermode.com/docs/errors/dissolution_prerequisites_missing",
"title": "Dissolution prerequisites missing",
"status": 409,
"code": "dissolution_prerequisites_missing",
"detail": "Voluntary dissolution requires `board_resolution_id` and `stockholder_consent_id`, or `auto_generate_resolutions: true`.",
"doc_url": "https://mattermode.com/docs/guides/errors#dissolution_prerequisites_missing",
"request_id": "req_Qw9xYz8A"
}{
"type": "https://mattermode.com/docs/errors/valuation_stale",
"title": "409A valuation stale",
"status": 409,
"code": "valuation_stale",
"detail": "Active 409A val_AbCd1234 is older than 12 months or superseded by a material event. Issuing ISOs at the prior strike risks IRC §409A violation. Refresh via POST /entities/{id}/valuations/{id}/refresh_request.",
"doc_url": "https://mattermode.com/docs/guides/errors#valuation_stale",
"request_id": "req_Qw9xYz8A"
}