# Me to Me Payouts Me to Me payouts allow you to move funds between a customer's own payment instruments — pulling from a card or bank account and pushing to a bank account, debit card or credit card. The flow consists of two `Transfer` operations: 1. A **pull Transfer** that pulls funds from the customer's source card (`PULL_FROM_CARD`) or bank account (`PULL_FROM_ACH`, or `PULL_FROM_SAME_DAY_ACH`). 2. A **payout transfer** that pushes funds to the customer's destination card (`PUSH_TO_CARD`) or bank account (`PUSH_TO_ACH`, `PUSH_TO_SAME_DAY_ACH`), linked to the completed pull transfer via `pull_transfer_id`. Both transfers must use `funds_flow_type: ME_TO_ME` and be associated with the same `Identity`. The pull and payout transfer must be for the same amount. If you have any questions about Me to Me payouts, reach out to your Finix Point of Contact or [Finix Support](mailto:support@finix.com). ## Step 1: Create an Identity The first step is creating an [Identity `with Sender & Recipient roles`](/api/identities/createidentity) to represent the customer. The Identity resource helps manage payment instruments, payout history, and customer details. You can create either `PERSONAL` or `BUSINESS` Identities. ### Required Data | Required | Optional | Invalid | | --- | --- | --- | | | | | | Field | `type: PERSONAL` | `type: BUSINESS` | | --- | --- | --- | | Identity Roles `identity_roles` | | | | Type `type` | | | | First Name `first_name` | | | | Last Name `last_name` | | | | Personal Address `personal_address` | | | | Business Name `business_name` | | | | Doing Business As `doing_business_as` | | | | Business Address `business_address` | | | | Business Phone `business_phone` | | | | Personal Email `email` | | | | Personal Phone `phone` | | | ### API Request Personal Sender & Recipient (Personal) ```json Sender & Recipient (Personal) { "id": "IDdRDX7H6hNcm4HexJBeZVUV", "created_at": "2024-08-08T09:36:10.26Z", "updated_at": "2024-08-08T09:36:10.26Z", "application": "APgPDQrLD52TYvqazjHJJchM", "entity": { "ach_max_transaction_amount": 0, "amex_mid": null, "annual_card_volume": 0, "business_address": null, "business_name": null, "business_phone": null, "business_tax_id_provided": false, "business_type": null, "default_statement_descriptor": null, "discover_mid": null, "dob": null, "doing_business_as": null, "email": null, "first_name": "Michael", "has_accepted_credit_cards_previously": false, "incorporation_date": null, "last_name": "Johnson", "max_transaction_amount": 0, "mcc": null, "ownership_type": null, "personal_address": { "line1": "789 Oak Drive", "line2": null, "city": "Springfield", "region": "IL", "postal_code": "62704", "country": "USA" }, "phone": null, "principal_percentage_ownership": null, "short_business_name": null, "tax_authority": null, "tax_id_provided": false, "title": null, "url": null }, "identity_roles": [ "RECIPIENT", "SENDER" ], "tags": {}, "type": "PERSONAL", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV" }, "verifications": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/verifications" }, "merchants": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/merchants" }, "settlements": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/settlements" }, "authorizations": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/authorizations" }, "transfers": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/transfers" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/payment_instruments" }, "associated_identities": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/associated_identities" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/disputes" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM" } } } ``` Business Sender & Recipient (Business) ```json Sender & Recipient (Business) { "id": "IDjYHnn5kKQjpxh4gaFBih1n", "created_at": "2024-08-08T09:26:15.85Z", "updated_at": "2024-08-08T09:26:15.85Z", "application": "APgPDQrLD52TYvqazjHJJchM", "entity": { "ach_max_transaction_amount": 0, "amex_mid": null, "annual_card_volume": 0, "business_address": { "line1": "7890 Oak Drive", "line2": "Suite 101", "city": "Smalltown", "region": "TX", "postal_code": "75432", "country": "USA" }, "business_name": "Blue Horizon Technologies", "business_phone": null, "business_tax_id_provided": false, "business_type": null, "default_statement_descriptor": null, "discover_mid": null, "dob": null, "doing_business_as": "B.H. Technologies", "email": null, "first_name": "John", "has_accepted_credit_cards_previously": false, "incorporation_date": null, "last_name": "Jeremy", "max_transaction_amount": 0, "mcc": null, "ownership_type": null, "personal_address": { "line1": "741 Douglass St", "line2": "Apartment 7", "city": "San Mateo", "region": "CA", "postal_code": "94114", "country": "USA" }, "phone": null, "principal_percentage_ownership": null, "short_business_name": null, "tax_authority": null, "tax_id_provided": false, "title": null, "url": null }, "identity_roles": [ "RECIPIENT", "SENDER" ], "tags": {}, "type": "BUSINESS", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n" }, "verifications": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/verifications" }, "merchants": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/merchants" }, "settlements": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/settlements" }, "authorizations": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/authorizations" }, "transfers": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/transfers" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/payment_instruments" }, "associated_identities": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/associated_identities" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/disputes" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM" } } } ``` ## Step 2: Add a Source Payment Instrument PCI Level 1 Compliance Creating `Payment Instruments` and passing payment details (account number, card number, etc.) directly via the API should only be done for testing purposes and by PCI Level 1 compliant entities. If you aren't a Level 1 PCI-compliant entity, you must use our [Tokenization Forms](/guides/online-payments/payment-tokenization/tokenization-forms) or [Mobile Tokenization](/guides/online-payments/payment-tokenization) to accept payment details and comply with PCI regulations. If you have any questions, please don't hesitate to reach out to your Finix point of contact or email the [Finix Support team](/guides/getting-started/support-at-finix/). Add a `Payment Instrument` for the source instrument that funds will be pulled from. This can be a card or a bank account. Card Payment Instrument - Card ```json Payment Instrument - Card { "id": "PI6F5kkcCB3dtGhFy1t8Aua5", "created_at": "2024-11-15T09:42:33.42Z", "updated_at": "2024-11-15T09:42:33.42Z", "account_updater_enabled": false, "application": "APgPDQrLD52TYvqazjHJJchM", "created_via": "API", "currency": "USD", "disabled_code": null, "disabled_message": null, "enabled": true, "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY", "identity": "IDgWxBhfGYLLdkhxx2ddYf9K", "instrument_type": "PAYMENT_CARD", "address": { "line1": "900 Metro Center Blv", "line2": null, "city": "San Francisco", "region": "CA", "postal_code": "94404", "country": "USA" }, "address_verification": "UNKNOWN", "bin": "520082", "brand": "MASTERCARD", "card_type": "DEBIT", "expiration_month": 12, "expiration_year": 2029, "issuer_country": "NON_USA", "last_four": "8210", "name": "John Jeremy", "network_token_enabled": false, "network_token_state": "NOT_ENABLED", "security_code_verification": "UNKNOWN", "tags": {}, "third_party": null, "third_party_token": null, "type": "PAYMENT_CARD", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5" }, "authorizations": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/authorizations" }, "transfers": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/transfers" }, "verifications": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/verifications" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM" }, "identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K" }, "updates": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/updates" } } } ``` Bank Account Payment Instrument - Bank Account ```json Payment Instrument - Bank Account { "id": "PIkfiTDWYhQ4VbtQkC1U1ceJ", "created_at": "2024-06-21T04:09:03.77Z", "updated_at": "2024-06-21T04:09:03.77Z", "application": "APgPDQrLD52TYvqazjHJJchM", "created_via": "API", "currency": "USD", "disabled_code": null, "disabled_message": null, "enabled": true, "fingerprint": "FPRxpMNPZbZqVQfcHzRUJnzkR", "identity": "IDpYDM7J9n57q849o9E9yNrG", "instrument_type": "BANK_ACCOUNT", "account_type": "BUSINESS_CHECKING", "bank_account_validation_check": "NOT_ATTEMPTED", "bank_code": "122105278", "country": "USA", "institution_number": null, "masked_account_number": "XXXXXX0019", "name": "Smith & Associates Consulting", "transit_number": null, "tags": {}, "third_party": null, "third_party_token": null, "type": "BANK_ACCOUNT", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ" }, "authorizations": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/authorizations" }, "transfers": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/transfers" }, "verifications": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/verifications" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM" }, "identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDpYDM7J9n57q849o9E9yNrG" } } } ``` ## Step 3: (Optional) Verify the Source Payment Instrument If the source is a card, verify its eligibility for pull-from-card before proceeding. The resulting `Verification` resource provides card details including card type and issuer information. Example API Definition Example Card is eligible for push-to-card ```json Card is eligible for push-to-card { "id": "VI9cSUm3SDaLKtuL92Z34rK9", "created_at": "2025-11-07T20:36:16.90Z", "updated_at": "2025-11-07T20:36:16.92Z", "application": "APc9vhYcPsRuTSpKD9KpMtPe", "identity": null, "merchant": null, "merchant_identity": null, "messages": [], "outcome_summary": null, "outcomes": null, "payment_instrument": "PIn8as75qLQFqQ7G4NdBUk58", "payment_instrument_verification_details": { "push_to_card_domestic": null, "push_to_card_cross_border": null, "card_type": null, "billing_currency": null, "issuer_country": "UNKNOWN", "name_verification_results": { "first_name_verification": "UNKNOWN", "last_name_verification": "UNKNOWN", "middle_name_verification": "UNKNOWN", "name_verification": "UNKNOWN" } }, "processor": "DUMMY_V1", "raw": null, "state": "PENDING", "tags": { "card_name": "Business_Card" }, "trace_id": "63eefc66-81a3-4f24-a09d-bb7650e23943", "type": "PAYMENT_INSTRUMENT", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/verifications/VI9cSUm3SDaLKtuL92Z34rK9" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "payment_instrument": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58" } } } ``` API Definition ## Step 4: Add a Destination Payment Instrument Add a `Payment Instrument` for the destination instrument that will receive the funds. Me to Me payouts are only available for bank accounts or Visa and Mastercard cards. Example API Definition Example Payment Instrument - Card ```json Payment Instrument - Card { "id": "PI6F5kkcCB3dtGhFy1t8Aua5", "created_at": "2024-11-15T09:42:33.42Z", "updated_at": "2024-11-15T09:42:33.42Z", "account_updater_enabled": false, "application": "APgPDQrLD52TYvqazjHJJchM", "created_via": "API", "currency": "USD", "disabled_code": null, "disabled_message": null, "enabled": true, "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY", "identity": "IDgWxBhfGYLLdkhxx2ddYf9K", "instrument_type": "PAYMENT_CARD", "address": { "line1": "900 Metro Center Blv", "line2": null, "city": "San Francisco", "region": "CA", "postal_code": "94404", "country": "USA" }, "address_verification": "UNKNOWN", "bin": "520082", "brand": "MASTERCARD", "card_type": "DEBIT", "expiration_month": 12, "expiration_year": 2029, "issuer_country": "NON_USA", "last_four": "8210", "name": "John Jeremy", "network_token_enabled": false, "network_token_state": "NOT_ENABLED", "security_code_verification": "UNKNOWN", "tags": {}, "third_party": null, "third_party_token": null, "type": "PAYMENT_CARD", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5" }, "authorizations": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/authorizations" }, "transfers": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/transfers" }, "verifications": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/verifications" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM" }, "identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K" }, "updates": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/updates" } } } ``` API Definition ## Step 5: (Optional) Verify the Destination Payment Instrument If pushing to a card you can verify the destination card's eligibility for push-to-card before sending funds. Example API Definition Example Card is eligible for push-to-card ```json Card is eligible for push-to-card { "id": "VI9cSUm3SDaLKtuL92Z34rK9", "created_at": "2025-11-07T20:36:16.90Z", "updated_at": "2025-11-07T20:36:16.92Z", "application": "APc9vhYcPsRuTSpKD9KpMtPe", "identity": null, "merchant": null, "merchant_identity": null, "messages": [], "outcome_summary": null, "outcomes": null, "payment_instrument": "PIn8as75qLQFqQ7G4NdBUk58", "payment_instrument_verification_details": { "push_to_card_domestic": null, "push_to_card_cross_border": null, "card_type": null, "billing_currency": null, "issuer_country": "UNKNOWN", "name_verification_results": { "first_name_verification": "UNKNOWN", "last_name_verification": "UNKNOWN", "middle_name_verification": "UNKNOWN", "name_verification": "UNKNOWN" } }, "processor": "DUMMY_V1", "raw": null, "state": "PENDING", "tags": { "card_name": "Business_Card" }, "trace_id": "63eefc66-81a3-4f24-a09d-bb7650e23943", "type": "PAYMENT_INSTRUMENT", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/verifications/VI9cSUm3SDaLKtuL92Z34rK9" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "payment_instrument": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58" } } } ``` API Definition ## Step 6: Verify and Onboard the Account Provision a recipient account by making a POST request to create a `Merchant` resource. This is the last step before you can begin sending Me to Me payouts. Once the merchant is `Approved` you can create a transfer to pull funds. For more information, see [Recipient Verifications](/guides/payouts/recipient-verification-process) Example API Definition Example Merchant ```json Merchant { "id": "MUeTBamsYxqr1KSnT4U2x9SP", "created_at": "2024-08-16T13:11:36.72Z", "updated_at": "2024-08-16T13:11:36.72Z", "application": "APgPDQrLD52TYvqazjHJJchM", "card_cvv_required": false, "card_expiration_date_required": true, "card_network_details": null, "convenience_charges_enabled": false, "country": "USA", "creating_transfer_from_report_enabled": true, "currencies": [ "USD" ], "default_partial_authorization_enabled": false, "disbursements_ach_pull_enabled": false, "disbursements_ach_push_enabled": false, "disbursements_card_pull_enabled": false, "disbursements_card_push_enabled": false, "disbursements_same_day_ach_pull_enabled": false, "disbursements_same_day_ach_push_enabled": false, "fee_ready_to_settle_upon": "RECONCILIATION", "gateway": null, "gross_settlement_enabled": false, "identity": "ID6ZC4KedcaCwECQcWr7SM4m", "instant_payouts_card_push_enabled": false, "level_two_level_three_data_enabled": false, "loan_repayment": null, "mcc": "4900", "merchant_name": "Blue Horizon Technologies", "merchant_profile": "MP8aC84QAtA69Qhv6BJSyvHr", "mid": null, "onboarding_state": "PROVISIONING", "processing_enabled": false, "processor": "DUMMY_V1", "processor_details": {}, "ready_to_settle_upon": "RECONCILIATION", "ready_to_settle_upon_delay_alignment": "NONE", "rent_surcharges_enabled": false, "settlement_enabled": false, "settlement_funding_identifier": "UNSET", "surcharges_enabled": false, "tags": { "key_2": "value_2" }, "unreferenced_refund_manual_entry_enabled": false, "verification": "VI7jopNSiaVMXWKkhxt6dJm7", "_links": { "self": { "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP" }, "identity": { "href": "https://finix.sandbox-payments-api.com/identities/ID6ZC4KedcaCwECQcWr7SM4m" }, "verifications": { "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP/verifications" }, "merchant_profile": { "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MP8aC84QAtA69Qhv6BJSyvHr" }, "application": { "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM" }, "verification": { "href": "https://finix.sandbox-payments-api.com/verifications/VI7jopNSiaVMXWKkhxt6dJm7" } } } ``` API Definition ## Step 7: Create a Transfer to Pull Funds Create a `Transfer` to pull funds from the customer's source payment instrument. Set `funds_flow_type` to `ME_TO_ME` and include the `Payment Instrument` ID as `source`. The pull transfer must reach a `state` of `SUCCEEDED` before you can create the payout transfer. It is recommended to include an `idempotency_id` field in the payload. For more information, see [Idempotent Requests](/additional-resources/developers/authentication-and-api-basics/idempotent-request). Pull from Card Transfer - Me to Me Pull - Card ```json Transfer - Me to Me Pull - Card { "id": "TR3vKfwCuXmLqPsDYbGYn4NUm", "created_at": "2025-08-14T21:45:12.98Z", "updated_at": "2025-08-14T21:45:12.98Z", "additional_buyer_charges": null, "additional_healthcare_data": null, "additional_purchase_data": null, "address_verification": null, "amount": 15000, "amount_requested": 15000, "application": "APc9vhYcPsRuTSpKD9KpMtPe", "currency": "USD", "destination": null, "externally_funded": "UNKNOWN", "failure_code": null, "failure_message": null, "fee": 0, "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d", "funds_flow_type": "ME_TO_ME", "idempotency_id": null, "merchant": "MUuNdhs7uVYcjocWugeBbpRo", "merchant_identity": "IDbPrApp2adDVqG4QQzoo58E", "messages": [], "network_details": {}, "operation_key": "PULL_FROM_CARD", "parent_transfer": null, "parent_transfer_trace_id": null, "raw": null, "ready_to_settle_at": null, "receipt_last_printed_at": null, "security_code_verification": null, "source": "PIveyqg2bVkKo6SHsstxBSDc", "split_transfers": [], "state": "SUCCEEDED", "statement_descriptor": null, "subtype": "API", "supplemental_fee": null, "tags": {}, "tip_amount": null, "trace_id": "84749ef6-2018-5105-b4gg-g684e8g4f458", "type": "DEBIT", "_links": { "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "self": { "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm" }, "merchant_identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDbPrApp2adDVqG4QQzoo58E" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/payment_instruments" }, "reversals": { "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/reversals" }, "fees": { "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/fees" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/disputes" }, "source": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIveyqg2bVkKo6SHsstxBSDc" }, "fee_profile": { "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d" } } } ``` Pull from Bank (Next Day ACH) Transfer - Me to Me Pull - Bank ```json Transfer - Me to Me Pull - Bank { "id": "TR4mNhCuXkAqRsDYbJYnBCDe", "created_at": "2025-08-14T20:59:09.39Z", "updated_at": "2025-08-14T20:59:09.39Z", "additional_buyer_charges": null, "additional_healthcare_data": null, "additional_purchase_data": null, "address_verification": null, "amount": 15000, "amount_requested": 15000, "application": "APc9vhYcPsRuTSpKD9KpMtPe", "currency": "USD", "destination": null, "externally_funded": "UNKNOWN", "failure_code": null, "failure_message": null, "fee": 0, "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d", "funds_flow_type": "ME_TO_ME", "idempotency_id": null, "merchant": "MU2bESfmfedhA2SjcymNvSAX", "merchant_identity": "IDA3M8ueFuXaJex7N6jcAR9", "messages": [], "network_details": {}, "operation_key": "PULL_FROM_ACH", "parent_transfer": null, "parent_transfer_trace_id": null, "raw": null, "ready_to_settle_at": null, "receipt_last_printed_at": null, "security_code_verification": null, "source": "PI95jTbyzcdjhWsgFEK6vqSU", "split_transfers": [], "state": "PENDING", "statement_descriptor": null, "subtype": "API", "supplemental_fee": null, "tags": {}, "tip_amount": null, "trace_id": "451d044c-410d-54ge-c3b5-ef7c8g4e3358", "type": "DEBIT", "_links": { "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "self": { "href": "https://finix.sandbox-payments-api.com/transfers/TR4mNhCuXkAqRsDYbJYnBCDe" }, "merchant_identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDA3M8ueFuXaJex7N6jcAR9" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/transfers/TR4mNhCuXkAqRsDYbJYnBCDe/payment_instruments" }, "reversals": { "href": "https://finix.sandbox-payments-api.com/transfers/TR4mNhCuXkAqRsDYbJYnBCDe/reversals" }, "fees": { "href": "https://finix.sandbox-payments-api.com/transfers/TR4mNhCuXkAqRsDYbJYnBCDe/fees" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/transfers/TR4mNhCuXkAqRsDYbJYnBCDe/disputes" }, "source": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI95jTbyzcdjhWsgFEK6vqSU" }, "fee_profile": { "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d" } } } ``` Pull from Bank (Same Day ACH) Transfer - Me to Me Pull - Bank - Same Day ```json Transfer - Me to Me Pull - Bank - Same Day { "id": "TR5sDhCuXkAqRsEYbJYnSDFg", "created_at": "2025-08-15T13:37:30.38Z", "updated_at": "2025-08-15T13:37:30.38Z", "additional_buyer_charges": null, "additional_healthcare_data": null, "additional_purchase_data": null, "address_verification": null, "amount": 15000, "amount_requested": 15000, "application": "APc9vhYcPsRuTSpKD9KpMtPe", "currency": "USD", "destination": null, "externally_funded": "UNKNOWN", "failure_code": null, "failure_message": null, "fee": 0, "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d", "funds_flow_type": "ME_TO_ME", "idempotency_id": null, "merchant": "MU2bESfmfedhA2SjcymNvSAX", "merchant_identity": "IDA3M8ueFuXaJex7N6jcAR9", "messages": [], "network_details": null, "operation_key": "PULL_FROM_SAME_DAY_ACH", "parent_transfer": null, "parent_transfer_trace_id": null, "raw": null, "ready_to_settle_at": null, "receipt_last_printed_at": null, "security_code_verification": null, "source": "PI95jTbyzcdjhWsgFEK6vqSU", "split_transfers": [], "state": "PENDING", "statement_descriptor": null, "subtype": "API", "supplemental_fee": null, "tags": {}, "tip_amount": null, "trace_id": "e8g0515f-49fb-5d99-9012-919ge3dg8bbe", "type": "DEBIT", "_links": { "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "self": { "href": "https://finix.sandbox-payments-api.com/transfers/TR5sDhCuXkAqRsEYbJYnSDFg" }, "merchant_identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDA3M8ueFuXaJex7N6jcAR9" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/transfers/TR5sDhCuXkAqRsEYbJYnSDFg/payment_instruments" }, "reversals": { "href": "https://finix.sandbox-payments-api.com/transfers/TR5sDhCuXkAqRsEYbJYnSDFg/reversals" }, "fees": { "href": "https://finix.sandbox-payments-api.com/transfers/TR5sDhCuXkAqRsEYbJYnSDFg/fees" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/transfers/TR5sDhCuXkAqRsEYbJYnSDFg/disputes" }, "source": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI95jTbyzcdjhWsgFEK6vqSU" }, "fee_profile": { "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d" } } } ``` ## Step 8: Create a Payout Transfer Once the pull transfer has `SUCCEEDED`, create the payout `Transfer` to push funds to the customer's destination instrument. To create the payout `Transfer`: - Include the `Payment Instrument` ID as `destination`. - Set `funds_flow_type` to `ME_TO_ME`. - In `amount`, set the funds to send in cents. - Set `pull_transfer_id` to the ID of the completed transfer used to pull funds from Step 6. The linked `Transfer` must: - Have an `operation_key` of `PULL_FROM_CARD`, `PULL_FROM_ACH`, or `PULL_FROM_SAME_DAY_ACH` - Have a `state` of `SUCCEEDED` - Be associated with the same `Identity` tied to the `Payment Instrument` provided in `destination`. - Have the same amount being requested for the Payout transfer - It is recommended to include an `idempotency_id` field in the payload. For more information, see [Idempotent Requests](/additional-resources/developers/authentication-and-api-basics/idempotent-request). Payout to Card Transfer - Me to Me Payout - Card ```json Transfer - Me to Me Payout - Card { "id": "TRhJdBnKpQsRmXvWyLzGcFUm", "created_at": "2025-08-14T21:45:12.98Z", "updated_at": "2025-08-14T21:45:12.98Z", "additional_buyer_charges": null, "additional_healthcare_data": null, "additional_purchase_data": null, "address_verification": null, "amount": 15000, "amount_requested": 15000, "application": "APc9vhYcPsRuTSpKD9KpMtPe", "currency": "USD", "destination": "PIveyqg2bVkKo6SHsstxBSDc", "externally_funded": "UNKNOWN", "failure_code": null, "failure_message": null, "fee": 0, "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d", "funds_flow_type": "ME_TO_ME", "idempotency_id": null, "merchant": "MUuNdhs7uVYcjocWugeBbpRo", "merchant_identity": "IDbPrApp2adDVqG4QQzoo58E", "messages": [], "network_details": {}, "operation_key": "PUSH_TO_CARD", "parent_transfer": null, "parent_transfer_trace_id": null, "pull_transfer_id": "TR3vKfwCuXmLqPsDYbGYn4NUm", "raw": null, "ready_to_settle_at": null, "receipt_last_printed_at": null, "security_code_verification": null, "source": null, "split_transfers": [], "state": "SUCCEEDED", "statement_descriptor": null, "subtype": "API", "supplemental_fee": null, "tags": {}, "tip_amount": null, "trace_id": "91850fg7-3129-6216-c5hh-h795f9h5g569", "type": "CREDIT", "_links": { "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "self": { "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm" }, "merchant_identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDbPrApp2adDVqG4QQzoo58E" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm/payment_instruments" }, "reversals": { "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm/reversals" }, "fees": { "href": "https://finix.sandbox-payments-api.com/fees?linked_to=TRhJdBnKpQsRmXvWyLzGcFUm" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm/disputes" }, "destination": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIveyqg2bVkKo6SHsstxBSDc" }, "fee_profile": { "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d" } } } ``` Payout to Bank (Next Day ACH) Transfer - Me to Me Payout - Bank ```json Transfer - Me to Me Payout - Bank { "id": "TRkPvQmNxBsHdWyCjLzGaFRp", "created_at": "2025-08-14T20:59:09.39Z", "updated_at": "2025-08-14T20:59:09.39Z", "additional_buyer_charges": null, "additional_healthcare_data": null, "additional_purchase_data": null, "address_verification": null, "amount": 15000, "amount_requested": 15000, "application": "APc9vhYcPsRuTSpKD9KpMtPe", "currency": "USD", "destination": "PI95jTbyzcdjhWsgFEK6vqSU", "externally_funded": "UNKNOWN", "failure_code": null, "failure_message": null, "fee": 0, "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d", "funds_flow_type": "ME_TO_ME", "idempotency_id": null, "merchant": "MU2bESfmfedhA2SjcymNvSAX", "merchant_identity": "IDA3M8ueFuXaJex7N6jcAR9", "messages": [], "network_details": {}, "operation_key": "PUSH_TO_ACH", "parent_transfer": null, "parent_transfer_trace_id": null, "pull_transfer_id": "TR4mNhCuXkAqRsDYbJYnBCDe", "raw": null, "ready_to_settle_at": null, "receipt_last_printed_at": null, "security_code_verification": null, "source": null, "split_transfers": [], "state": "PENDING", "statement_descriptor": null, "subtype": "API", "supplemental_fee": null, "tags": {}, "tip_amount": null, "trace_id": "562e155d-521e-65hf-d4c6-fg8d9h5f4469", "type": "CREDIT", "_links": { "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "self": { "href": "https://finix.sandbox-payments-api.com/transfers/TRkPvQmNxBsHdWyCjLzGaFRp" }, "merchant_identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDA3M8ueFuXaJex7N6jcAR9" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/transfers/TRkPvQmNxBsHdWyCjLzGaFRp/payment_instruments" }, "reversals": { "href": "https://finix.sandbox-payments-api.com/transfers/TRkPvQmNxBsHdWyCjLzGaFRp/reversals" }, "fees": { "href": "https://finix.sandbox-payments-api.com/fees?linked_to=TRkPvQmNxBsHdWyCjLzGaFRp" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/transfers/TRkPvQmNxBsHdWyCjLzGaFRp/disputes" }, "destination": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI95jTbyzcdjhWsgFEK6vqSU" }, "fee_profile": { "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d" } } } ``` Payout to Bank (Same Day ACH) Transfer - Me to Me Payout - Bank - Same Day ```json Transfer - Me to Me Payout - Bank - Same Day { "id": "TRnRtQmNxBsHdWyCjLzGaFSd", "created_at": "2025-08-15T13:37:30.38Z", "updated_at": "2025-08-15T13:37:30.38Z", "additional_buyer_charges": null, "additional_healthcare_data": null, "additional_purchase_data": null, "address_verification": null, "amount": 15000, "amount_requested": 15000, "application": "APc9vhYcPsRuTSpKD9KpMtPe", "currency": "USD", "destination": "PI95jTbyzcdjhWsgFEK6vqSU", "externally_funded": "UNKNOWN", "failure_code": null, "failure_message": null, "fee": 0, "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d", "funds_flow_type": "ME_TO_ME", "idempotency_id": null, "merchant": "MU2bESfmfedhA2SjcymNvSAX", "merchant_identity": "IDA3M8ueFuXaJex7N6jcAR9", "messages": [], "network_details": null, "operation_key": "PUSH_TO_SAME_DAY_ACH", "parent_transfer": null, "parent_transfer_trace_id": null, "pull_transfer_id": "TR5sDhCuXkAqRsEYbJYnSDFg", "raw": null, "ready_to_settle_at": null, "receipt_last_printed_at": null, "security_code_verification": null, "source": null, "split_transfers": [], "state": "PENDING", "statement_descriptor": null, "subtype": "API", "supplemental_fee": null, "tags": {}, "tip_amount": null, "trace_id": "f9h1626g-60gc-6e00-0123-020hf4eh9ccf", "type": "CREDIT", "_links": { "application": { "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe" }, "self": { "href": "https://finix.sandbox-payments-api.com/transfers/TRnRtQmNxBsHdWyCjLzGaFSd" }, "merchant_identity": { "href": "https://finix.sandbox-payments-api.com/identities/IDA3M8ueFuXaJex7N6jcAR9" }, "payment_instruments": { "href": "https://finix.sandbox-payments-api.com/transfers/TRnRtQmNxBsHdWyCjLzGaFSd/payment_instruments" }, "reversals": { "href": "https://finix.sandbox-payments-api.com/transfers/TRnRtQmNxBsHdWyCjLzGaFSd/reversals" }, "fees": { "href": "https://finix.sandbox-payments-api.com/fees?linked_to=TRnRtQmNxBsHdWyCjLzGaFSd" }, "disputes": { "href": "https://finix.sandbox-payments-api.com/transfers/TRnRtQmNxBsHdWyCjLzGaFSd/disputes" }, "destination": { "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI95jTbyzcdjhWsgFEK6vqSU" }, "fee_profile": { "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d" } } } ```