---
title: "Submit transfer diligence on behalf of the originator"
method: POST
path: "/transfer/diligence/submit"
tags: ["plaid"]
---

# Submit transfer diligence on behalf of the originator

`POST /transfer/diligence/submit`

Use the `/transfer/diligence/submit` endpoint to submit transfer diligence on behalf of the originator (i.e., the end customer).

## Request body

- TransferDiligenceSubmitRequest — Defines the request schema for `/transfer/diligence/submit`
  - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
  - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
  - `originator_client_id` string, required — Client ID of the the originator whose diligence that you want to submit.
  - `originator_diligence` TransferOriginatorDiligence, required — The diligence information for the originator.
    - `dba` string, required — The business name of the originator.
    - `tax_id` string, required — The tax ID of the originator.
    - `credit_usage_configuration` TransferCreditUsageConfiguration, nullable — Specifies the originator's expected usage of credits. For all dollar amounts, use a decimal string with two digits of precision e.g. "10.00". This field is required if the originator is expected to process credit transfers.
      - `expected_frequency` 'once_per_month' | 'twice_per_month' | 'once_per_week' | 'daily', required — The originator's expected transfer frequency.
      - `expected_highest_amount` string, required — The originator’s expected highest amount for a single credit transfer.
      - `expected_average_amount` string, required — The originator’s expected average amount per credit.
      - `expected_monthly_amount` string, required — The originator’s monthly expected ACH credit processing amount for the next 6-12 months.
      - `sec_codes` CreditACHClass[], required — Specifies the expected use cases for the originator’s credit transfers. This should be a list that contains one or more of the following codes: `"ccd"` - Corporate Credit or Debit - fund transfer between two corporate bank accounts `"ppd"` - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, e.g. bill payment `"web"` - A credit Entry initiated by or on behalf of a holder of a Consumer Account that is intended for a Consumer Account of a Receiver
    - `debit_usage_configuration` TransferDebitUsageConfiguration, nullable — Specifies the originator's expected usage of debits. For all dollar amounts, use a decimal string with two digits of precision e.g. "10.00". This field is required if the originator is expected to process debit transfers.
      - `expected_frequency` 'once_per_month' | 'twice_per_month' | 'once_per_week' | 'daily', required — The originator's expected transfer frequency.
      - `expected_highest_amount` string, required — The originator’s expected highest amount for a single debit transfer.
      - `expected_average_amount` string, required — The originator’s expected average amount per debit.
      - `expected_monthly_amount` string, required — The originator’s monthly expected ACH debit processing amount for the next 6-12 months.
      - `sec_codes` ACHClass[], required — Specifies the expected use cases for the originator’s debit transfers. This should be a list that contains one or more of the following codes: `"ccd"` - Corporate Credit or Debit - fund transfer between two corporate bank accounts `"ppd"` - Prearranged Payment or Deposit - the transfer is part of a pre-existing relationship with a consumer, eg. bill payment `"tel"` - Telephone-Initiated Entry `"web"` - Internet-Initiated Entry - debits from a consumer’s account where their authorization is obtained over the Internet
    - `address` TransferOriginatorAddress, required — The originator's address.
      - `city` string, required — The full city name.
      - `street` string, required — The full street address.
      - `region` string, required — The two-letter code for the state or province (e.g., "CA").
      - `postal_code` string, required — The postal code (e.g., "94103").
      - `country_code` string, required — ISO-3166-1 alpha-2 country code standard.
    - `website` string, required — The website of the originator.
    - `naics_code` string, required — The NAICS code of the originator.
    - `funding_account` TransferFundingAccount, required — The originator's funding account, linked with Plaid Link or `/transfer/migrate_account`.
      - `access_token` string, required — The access token associated with the Item data is being requested for.
      - `account_id` string, required — The Plaid `account_id` for the newly created Item.

## Response `200`

OK

- TransferDiligenceSubmitResponse — Defines the response schema for `/transfer/diligence/submit`
  - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

## Other responses

- `default` — Error response

## Changes

- **2024-02-21** `5de70cc1e6ca` — 3 warning, 12 info
  - removed the optional property `error_code_reason` from the response with the `default` status
  - removed the optional property `provided_account_subtypes` from the response with the `default` status
  - removed the optional property `required_account_subtypes` from the response with the `default` status
  - the `originator_diligence/website` request property format was generalized from `url` to no format
  - …11 more

[Change history](https://skmtc.dev/plaid/apis/the-plaid-api/changes/transfer/diligence/submit/post.md)

---

[API](https://skmtc.dev/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.dev/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/revisions/a5b45bccb4e8/schema)