Making Payments

A broad skill for preparing and initiating Newline transfers. For a narrower transfer-only flow, create-transfer may be sufficient.

Guardrails

• Confirm with the user before calling create-newline-transfer.
• Resolve names and emails to customer and account UIDs first.
• Verify the initiating customer is active and KYC-approved before sending funds.
• Transfers are asynchronous; initial status may be queued or pending.

Step 1 — Identify the Initiating Customer

If you have the UID:

get-customer  uid=<customer_uid>

Otherwise search first:

list-customers  (filter by first_name, last_name, email, external_uid, or pool_uid)

Record:

• uid → initiating_customer_uid
• status
• kyc_status
• pool_uids

Stop if the customer is not in a valid state to initiate payments.

Step 2 — Identify the Source Account

Inspect available synthetic accounts:

get-synthetic-accounts

If needed, drill into a known account:

get-synthetic-account  uid=<source_synthetic_account_uid>

Confirm:

• the account belongs to the correct customer or pool
• the account is active
• the available balance is sufficient
• the relevant payment rail details exist for the intended use

Step 3 — Identify the Destination Account

This server creates transfers between two synthetic accounts, so you need a destination_synthetic_account_uid.

To find one:

get-synthetic-accounts

If the destination belongs to another known customer, resolve them first:

list-customers
get-customer  uid=<destination_customer_uid>
get-synthetic-accounts

If no destination synthetic account exists yet, switch to new-account-setup or managing-users-and-accounts before proceeding.

Step 4 — Choose the Transfer Rail

Exactly one of these blocks must be supplied.

Wire

wire: {
  wire_instructions
}

Use for traditional wire transfers when the user provides routing instructions.

ACH

ach: {
  sec_code,
  service_processing,
  originator_name,
  company_id,
  prenote,
  entry_description,
  effective_entry_date,
  id_number
}

Collect all ACH fields up front. Keep entry_description short and business-appropriate.

Instant Payment

instant_payment: {
  memo,
  instant_payment_transmitter: {
    name,
    transmitter_identifier,
    street_number,
    street1,
    street2,
    city,
    state,
    postal_code,
    country
  }
}

Use for immediate payment workflows that require transmitter identity and address details.

Step 5 — Gather Common Transfer Inputs

Every transfer requires:

• external_uid — unique idempotency identifier
• initiating_customer_uid
• initiator_type — usually customer
• source_synthetic_account_uid
• destination_synthetic_account_uid
• usd_transfer_amount — string value such as "100.00"
• exactly one of wire, ach, or instant_payment

Step 6 — Create the Transfer

Only after confirmation:

create-newline-transfer
  external_uid
  initiating_customer_uid
  initiator_type
  source_synthetic_account_uid
  destination_synthetic_account_uid
  usd_transfer_amount
  wire | ach | instant_payment

Step 7 — Verify and Communicate Status

After creation, report:

• transfer uid
• status
• transfer type
• amount
• source and destination account UIDs
• any associated transaction_uids

If needed, re-check with:

get-newline-transfer  uid=<transfer_uid>

Step 8 — Hand Off to Monitoring or Investigation

For follow-up work, use:

• investigate-transfer for one transfer deep-dives
• payment-operations for returns and post-payment issues
• transaction-reporting for status tracking and audit history