create-transfer

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