> For the complete documentation index, see [llms.txt](https://docs.finpay.id/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.finpay.id/api-reference/finpay-wallet-as-a-service/core-api/create-transfer.md).

# Create Transfer

The Transfers API lets you move balances:

* Between a master account and its sub-accounts (both directions)
* Between sub-accounts

Use this to manage funds and split payments inside the Finnet ecosystem.

| Environment | Method | URL                                                     |
| ----------- | ------ | ------------------------------------------------------- |
| Development | POST   | <https://devo.finnet.co.id/was-adapter/transfer/create> |
| Production  | POST   | <https://{tba}/was-adapter/transfer/create>             |

### Header Request <a href="#body-request" id="body-request"></a>

| Name          | Type   | Mandatory | Description                                                                                                                           |
| ------------- | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------- |
| Authorization | String | M         | <p>Represents Basic Authentication.</p><p>e.g. Basic dW5kZWZpbmVkOnBhc3N3b3Jk</p>                                                     |
| Content-Type  | String | M         | Request body content type, e.g. `application/json`                                                                                    |
| accept        | String | M         | Mandatory header to specify the response format. Must be set to `application/json` so the server returns the response in JSON format. |

### Body Request <a href="#body-request" id="body-request"></a>

<table><thead><tr><th width="77">No</th><th>Name</th><th>Type</th><th>Mandatory</th><th width="128">Min Length</th><th>Max Length</th><th>Description</th></tr></thead><tbody><tr><td>1</td><td>reference</td><td>String</td><td>M</td><td>1</td><td>255</td><td><strong>Unique transfer reference</strong> specified when the request is created</td></tr><tr><td>2</td><td>amount</td><td>Number</td><td>M</td><td></td><td></td><td>Transfer amount</td></tr><tr><td>3</td><td>source_user_id</td><td>String</td><td>M</td><td>1</td><td>36</td><td><strong>User ID as the transfer source</strong> (master or sub-account)</td></tr><tr><td>4</td><td>destination_user_id</td><td>String</td><td>M</td><td>1</td><td>36</td><td><strong>User ID as the transfer destination</strong> (master or sub-account)</td></tr></tbody></table>

#### Sample Request <a href="#sample-request" id="sample-request"></a>

```
Content-type: application/json 
Authorization: Basic gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a" 
accept: application/json

{
 "reference": "string",
 "amount": 1,
 "source_user_id": "string",
 "destination_user_id": "string"
}
```

### Body Response <a href="#body-response" id="body-response"></a>

<table><thead><tr><th width="74">No</th><th>Parameter</th><th>Type</th><th>Min Length</th><th valign="top">Max Length</th><th>Description</th><th valign="top">Required</th></tr></thead><tbody><tr><td>1</td><td>created</td><td>string (date-time)</td><td></td><td valign="top">24</td><td>Timestamp when the transfer was created (ISO 8601)</td><td valign="top">Yes</td></tr><tr><td>2</td><td>transfer_id</td><td>string</td><td></td><td valign="top">36</td><td>Unique transfer reference generated by the Finnet system</td><td valign="top">Yes</td></tr><tr><td>3</td><td>reference</td><td>string</td><td></td><td valign="top">255</td><td>Unique transfer reference provided in the request</td><td valign="top">Yes</td></tr><tr><td>4</td><td>source_user_id</td><td>string</td><td></td><td valign="top">36</td><td>Source user ID (master or sub-account)</td><td valign="top">Yes</td></tr><tr><td>5</td><td>destination_user_id</td><td>string</td><td></td><td valign="top">36</td><td>Destination user ID (master or sub-account)</td><td valign="top">Yes</td></tr><tr><td>6</td><td>status</td><td>string</td><td></td><td valign="top">–</td><td>Transfer status. Valid values: SUCCESSFUL, PENDING, FAILED</td><td valign="top">Yes</td></tr><tr><td>7</td><td>amount</td><td>number</td><td></td><td valign="top">–</td><td>Transferred amount</td><td valign="top">Yes</td></tr></tbody></table>

#### Sample Response <a href="#sample-response" id="sample-response"></a>

```
{
  "created": "2020-11-30T02:47:53.061Z",
  "transfer_id": "bd1cc56b-ce7f-4ad7-8901-3eaa689e90eb",
  "source_user_id": "5cafeb170a2b18519b1b8768",
  "destination_user_id": "5f8d0c0603ffe06b7d4d9fcf",
  "status": "SUCCESSFUL",
  "amount": "90000",
  "reference": "Monthly_Transfers_1234"
}
```

#### Sample Response (Negative) <a href="#sample-response" id="sample-response"></a>

```
{
    "error_code": "INVALID_SOURCE_OR_DESTINATION_ERROR",
    "message": "Source account does not exist"
}
```

### Create TransferStatus <a href="#sample-response" id="sample-response"></a>

<table><thead><tr><th width="73">No</th><th width="286">Status</th><th valign="top">Description</th></tr></thead><tbody><tr><td>1</td><td>SUCCESSFUL</td><td valign="top">Transfer completed</td></tr><tr><td>2</td><td>PENDING</td><td valign="top">Transfer is still being processed</td></tr><tr><td>3</td><td>FAILED</td><td valign="top">Transfer failed</td></tr></tbody></table>

### Create Transfer HTTP Status Code <a href="#sample-response" id="sample-response"></a>

<table><thead><tr><th width="73">No</th><th width="177">Http Status Code</th><th valign="top">Description</th></tr></thead><tbody><tr><td>1</td><td>200</td><td valign="top">Success with response body</td></tr><tr><td>2</td><td>400</td><td valign="top">[ <code>API_VALIDATION_ERROR</code>, <code>INVALID_CONFIGURATION</code>, <code>INVALID_JSON_FORMAT</code>, <code>TYPE_AND_CONFIGURATION_CONFLICT</code>, <code>INVALID_SOURCE_OR_DESTINATION_ERROR</code>, <code>INSUFFICIENT_BALANCE</code>, <code>INVALID_FEE_AMOUNT</code>, <code>DUPLICATE_ERROR</code>, <code>INVALID_AMOUNT</code>, <code>INSUFFICIENT_ACCOUNT_HOLDER_DATA</code>, <code>MISMATCH_PAYLOAD_FOR_REFERENCE</code>, <code>INVALID_URL_FORMAT</code> ]</td></tr><tr><td>3</td><td>401</td><td valign="top">[ `INVALID_API_KEY` ]</td></tr><tr><td>4</td><td>403</td><td valign="top">[ <code>REQUEST_FORBIDDEN_ERROR</code>, <code>FEATURE_NOT_ACTIVATED</code>, <code>DUPLICATE_REFERENCE</code>, <code>XEN_PLATFORM_SUB_ACCOUNT_NOT_LIVE</code>, <code>API_KEY_ENVIRONMENT_NOT_MATCH</code>, <code>CHANNEL_ACTIVATION_IN_PROGRESS</code>, <code>CHANNEL_HAS_BEEN_ACTIVATED</code>, <code>KYC_VERIFICATION_IN_PROGRESS</code> ]</td></tr><tr><td>5</td><td>425</td><td valign="top">[ <code>TRANSFER_IN_PROGRESS</code> ]</td></tr></tbody></table>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.finpay.id/api-reference/finpay-wallet-as-a-service/core-api/create-transfer.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.