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APIs/Money Transfers/
Make a money transfer

Last updated: 29 August 2024 | Change log

Make a money transfer

Push funds to a card.

Money transfer request

Withdraw funds from a digital wallet by sending a request to our moneyTransfers:pushToCard action link received in your root resource response request.

Push to card money transfer is currently available for Visa money transfers via Visa Direct and Mastercard Send.

POST https://try.access.worldpay.com/moneyTransfers/pushToCard

Push to card money transfer request body:

{
    "transactionReference":"Memory265-13/08/1876",
    "merchant":{
        "entity":"default"
    },
    "instruction":{
        "narrative":{
            "line1":"line1",
            "line2":"line2"
        },
        "value":{
            "amount":100,
            "currency":"GBP"
        },
        "recipient":{
            "firstName":"firstName",
            "lastName":"lastName",
            "paymentInstrument":{
                "type":"card/plain",
                "cardHolderName":"name",
                "cardNumber":"4300011000000006",
                "cardExpiryDate":{
                    "month":12,
                    "year":2040
                },
                "cvc": "123",
                "billingAddress":{
                    "address1":"address1",
                    "address2":"address2",
                    "address3":"address3",
                    "postalCode":"AB1 2CD",
                    "city":"city",
                    "state":"state",
                    "countryCode":"GB"
                }
            }
        }, 
        "sender":{
            "fundReference":"fundReference",
            "fundType":"nonStagedDigitalWallet"
        }
    }
}

Descriptions of your push to card money transfer request parameters:

ParameterRequiredDescription
instruction✅An object that contains all the information related to your money transfer request.
instruction.recipient.paymentInstrument✅An object that contains your recipient's money transfer details.
paymentInstrument.type✅An object that contains your recipient's money transfer type.
Possible values:
  • card/plain
  • card/tokenized
paymentInstrument.href❌An object that contains your link to an Access Token.
Mandatory for all "type": "card/tokenized" requests.
value.amount✅The money transfer amount. This is a whole number with an exponent, e.g. if exponent is two, 250 is 2.50. You can find the relevant exponent in our currency table.
value.currency✅The 3 digit currency code.
See list of supported currencies.
instruction.narrative.line1✅First line of text that appears on your customer's statement. Used to identify the merchant.
See narrative format for more details and best practices.
instruction.narrative.line2❌Second line of text that appears on your customer's statement. Used to give further details about the merchant.
See narrative format for more details and best practices.
merchant✅An object that contains information about the merchant.
merchant.entity✅Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for queries. Contact your Implementation Manager for more information.
transactionReference✅A unique reference generated by you, used to identify a money transfer throughout its lifecycle. See transaction reference format for more details and best practices.
fundReference✅A child element of sender. Specifies a reference to the Origin account of the funds.
fundType✅A child element of sender. Specifies the type of funds being used by the sender in the transaction. Must be any of the following:
  • nonStagedDigitalWallet
paymentInstrument.cardHolderName❌An object that contains your recipient's money transfer card name.
Mandatory for all "type": "card/plain" requests.
paymentInstrument.cardExpiryDate❌An object that contains your recipient's money transfer card expiry date.
Mandatory for all "type": "card/plain" requests. This cannot be a date in the past.
paymentInstrument.cardNumber❌An object that contains your recipient's money transfer card number. Mandatory for "type": "card/plain" requests.
paymentInstrument.cvc❌An object that contains your sender's money transfer card number cvc.
Optional for all requests but increases the chances of transaction success rate if provided.
paymentInstrument.billingAddress❌An object containing the billing address information. If included you must send at least:
  • countryCode
  • postalCode
Note
We recommend to provide billingAddress fields for all money transfer requests. If not provided, you may see increased failures.

Money transfer response

Best practice

Access Worldpay returns a WP-correlationId in the headers of service responses. We highly recommend you log this. The WP-correlationId is used by us to examine individual service requests.

In your response we return:

  • The outcome, which could be:

    • approved - Money transfer is approved.
    • requested - We have requested the money transfer.
    • pending - The money transfer request is pending and any immediate submissions will result a duplicate payment.
    • refused - This money transfer method is refused, try another card.
    • Sent for Settlement - The money transfer request is sent for settlement and the actual settlement information will come from the merchant's acquiring platform.
    • requestReceived - fastFunds is not enabled for this card.
    • error - A downstream system failed to process your request.

  • type of money transfer, which is: pushToCard

  • A timestamp of receivedAt

  • moneyTransfer resource

Example responses:

{
    "outcome": "approved",
    "type": "pushToCard",
    "receivedAt": "2022-12-09T12:34:35Z",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9"
        }
    }
}

Money transfer GET resource

Send a GET request to the self link, to retrieve the outcome of your money transfer request.

Example response:

GET https://try.access.worldpay.com/moneyTransfers/{resource}

{
    "outcome": "approved",
    "type": "pushToCard",
    "receivedAt": "2022-12-05T09:28:52Z",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay.com/moneyTransfers/MjpHbTRqTFNKV202L0NIeG9wZXkvTFBnPT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6VFQ3RjF1SnRtR05GVUpiMVpSK0pBdjFSSHdRVzVEbThWK29KalU1aEN6b2pVWktZQzJKWmxIaFFnZHRXOURxZnhxeU42SXk1akg1QkFkejByQXVwVVg1a0tzRmFVU1FpTHo5UEZIbDZpaG89"
        }
    }
}
Note
  • If no update is available, you will get an error. You can get further information in our error reference.
  • The response won't contain a type if the outcome is error or Sent for Settlement.