Create Transfer

Guide for creating a Wire, ACH, or Instant Payment transfer via the Newline Banking API. All three types share a common set of required fields, plus type-specific fields.

Step 1 — Identify the Initiating Customer

If you don't already have the customer UID, find it first:

list-customers  (filter by name, email, or external_uid as needed)

Note the customer's uid — this becomes initiating_customer_uid.

Step 2 — Identify Source and Destination Accounts

Retrieve the synthetic accounts involved in the transfer:

get-synthetic-accounts

Note the uid of each account:

• source_synthetic_account_uid — the account funds leave from
• destination_synthetic_account_uid — the account funds arrive at

If you only have one side, also check the destination customer's accounts:

list-customers  (find destination customer)
get-synthetic-accounts

Step 3 — Choose Transfer Type and Gather Type-Specific Fields

Wire Transfer

Requires a wire object with:

• wire_instructions — free-text wire routing instructions

ACH Transfer

Requires an ach object with:

• sec_code — Standard Entry Class code (e.g. PPD, CCD, WEB)
• service_processing — STANDARD or SAME_DAY
• originator_name — name of the originating entity
• company_id — ACH company identifier
• prenote — true to send a prenote, false for a live entry
• entry_description — up to 10-character description (e.g. PAYROLL)
• effective_entry_date — desired settlement date (YYYY-MM-DD)
• id_number — individual identification number

Instant Payment Transfer

Requires an instant_payment object with:

• memo — payment memo / message to recipient
• instant_payment_transmitter — object containing:
  • name, transmitter_identifier
  • street_number (integer), street1, street2, city, state, postal_code, country

Step 4 — Create the Transfer

Call create-newline-transfer with all required fields:

create-newline-transfer
  external_uid              — your own unique identifier for idempotency
  initiating_customer_uid   — from Step 1
  initiator_type            — "customer" in most cases
  source_synthetic_account_uid       — from Step 2
  destination_synthetic_account_uid  — from Step 2
  usd_transfer_amount       — amount as a string (e.g. "100.00")
  wire | ach | instant_payment       — exactly one, from Step 3

Step 5 — Confirm

The response includes the new transfer's uid and initial status. Share the transfer UID and status with the user. If the status is not yet settled, advise that it will update asynchronously.

Notes

• Only one of wire, ach, or instant_payment should be provided per transfer.
• usd_transfer_amount is a string, not a number (e.g. "250.00").
• Use a unique external_uid per request to prevent duplicate transfers.