---
title: "Initiate a transfer"
method: POST
path: "/transfers"
tags: ["transfers"]
---

# Initiate a transfer

`POST /transfers`

Initiate a transfer between funding sources from a Dwolla Account or API Customer resource. Supports ACH, Instant Payments (RTP/FedNow), Push-to-Debit Card, and wire transfers with optional expedited clearing, facilitator fees, metadata, and correlation IDs for enhanced traceability. Includes idempotency key support to prevent duplicate transfers and extensive customization options for addenda records and processing channels. Returns the location of the created transfer resource for tracking and management.

## Headers

- `Accept` 'application/vnd.dwolla.v1.hal+json', required
- `Idempotency-Key` string

## Request body

- object
  - `_links` object, required
    - `source` object
      - `href` string
    - `destination` object
      - `href` string
  - `amount` TransferAmount, required
    - `value` string, required
    - `currency` string, required
  - `metadata` object
  - `fees` object[]
    - `_links` object
      - `charge-to` object
        - `href` string
    - `amount` TransferAmount
      - `value` string, required
      - `currency` string, required
  - `clearing` object
    - `source` string
    - `destination` string
  - `achDetails` object
    - `source` object
      - `addenda` object
        - `values` string[]
    - `destination` object
      - `addenda` object
        - `values` string[]
  - `rtpDetails` object — Real-Time Payments (RTP) specific transaction details.
    - `destination` object — RTP details for the destination
      - `remittanceData` string — Remittance information for Real-Time Payments, providing context about the payment purpose. Acceptable characters: alphanumeric (0-9, a-z, A-Z), space, and special characters (#,.'&/-@!$%*()_+={}|:;`[]^~\")
  - `instantDetails` object — Instant Payments specific transaction details for both RTP and FedNow networks.
    - `destination` object — Instant payment details for the destination
      - `remittanceData` string — Remittance information for Instant Payments (RTP/FedNow), providing context about the payment purpose. Acceptable characters: alphanumeric (0-9, a-z, A-Z), space, and special characters (#,.'&/-@!$%*()_+={}|:;`[]^~\")
  - `correlationId` string
  - `processingChannel` object
    - `destination` 'real-time-payments' | 'instant'

## Response `201`

created

## Other responses

- `400` — Bad Request
- `403` — Forbidden
- `429` — Too Many Requests

## Changes

- **2026-01-23** `aa246caec243` — 2 warning
  - changed the pattern of the request property `instantDetails/destination/remittanceData` from `^[A-Za-z0-9\s\-_\.\/\(\),]*$` to `^[0-9a-zA-Z #,.'&/\-@!$%*()_+={}|:;`\[\]\^\~\\"]+$`
  - changed the pattern of the request property `rtpDetails/destination/remittanceData` from `^[A-Za-z0-9\s\-_\.\/\(\),]*$` to `^[0-9a-zA-Z #,.'&/\-@!$%*()_+={}|:;`\[\]\^\~\\"]+$`
- **2026-01-13** `7b6082a00027` — 1 info
  - removed the `ValidationError` enum value from the `oneOf[subschema #45: CardSourceNotAllowedError]/code` response property for the response status `400`
- **2026-01-06** `3ddce254729a` — 1 breaking
  - added `#/components/schemas/InvalidOrRemovedCardDestinationError, #/components/schemas/SourceNotCardNetworkSettlementError, #/components/schemas/CardSourceNotAllowedError, #/components/schemas/PrefundingSourceNotAllowedError` to the response body `oneOf` list for the response status `400`
- **2025-12-11** `cc67dc949947` — 2 breaking, 1 warning
  - added the new required request property `fees/items/amount/value`
  - the request property `fees/items/amount/currency` became required
  - removed the request property `fees/items/amount/amount`
- **2025-10-01** `df0692083893` — 1 info
  - added the new optional `header` request parameter `Idempotency-Key`

[Full history](https://skmtc.dev/dwolla/apis/dwolla-api/changes/transfers/post.md)

---

[API](https://skmtc.dev/dwolla/apis/dwolla-api.md) · [All operations](https://skmtc.dev/dwolla/apis/dwolla-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/dwolla/dwolla-api/revisions/0e13062ae3be/schema)