Instantly Funding an Account

Fund your cardholders' accounts by transferring money from your Master Funds Account—instantly and free.

A transfer between the Master Funds Account and a cardholder account may also be useful for promotional incentives (e.g., referral bonuses) or other custom payment mechanisms (e.g., cashback).


Step 1: Obtain the destination_account_id

Obtain the account_id for the account that you want to fund, i.e., the destination account. The account_id may be obtained by sending a GET request to the Accounts endpoint, including the cardholder_id of the cardholder who is receiving money as the path parameter.

Step 2: Obtain the source_account_id

Obtain the account_id of the Master Funds Account. Since the Master Funds Account belongs to your business and not to a cardholder, the API path is different than that in Step 1 above. The account_id may be obtained by sending a GET request to the /businesses/:id/accounts endpoint, including your business_id as the path parameter. Your business_id may be found on the Dashboard.

Step 3: Create the transfer

Send a POST request to the Transfers endpoint, including the account_id of the Master Funds Account as the source_account_id, the account_id of the destination account as the destination_account_id, and the amount.

If the amount is greater than the Master Funds Account balance, the request will result in an insufficient_funding_account_funds error.

The response contains a source_transaction_id and a destination_transaction_id that map the transfer to transactions on the respective accounts. Both participating accounts now have transactions with a transfer type and an account_funding subtype in the transaction history.

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