**Last updated**: 29 August 2024 | [**Change log**](/access/products/money-transfers/changelog/) # 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](/access/products/money-transfers/get-started#query-the-moneytransfers-root-resource) request. Push to card money transfer is currently available for Visa money transfers via Visa Direct and Mastercard Send. `POST` `https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/pushToCard` Push to card money transfer request body: Money transfer (card) ```json { "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" } } } ``` Money transfer (token) ```json { "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/tokenized", "href":"https://try.access.worldpay-bsh.securedataplatform.com/tokens/eyJrIjoxLCJkIjoieDJ4U05TRWo3MGZWQ042TzVrczVkNU5WbkxqYy9jU1J4di9mKzUyNlhGVjRyeUt6Z21BN3NxdDN6VEYxeWNieSJ9", "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: | Parameter | Required | Description | | --- | --- | --- | | `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](/access/products/tokens). 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](/access/products/reference/supported-countries-currencies#iso-currency-codes). | | `value.currency` | ✅ | The 3 digit currency code. See list of [supported currencies](/access/products/reference/supported-countries-currencies#iso-currency-codes). | | `instruction.narrative.line1` | ✅ | First line of text that appears on your customer's statement. Used to identify the merchant.See [narrative format](/access/products/reference/formatting#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](/access/products/reference/formatting#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](/access/products/money-transfers/make-money-transfer#query-a-moneytransfer-without-the-original-resource). 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](/access/products/reference/formatting#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` 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: approved ```json { "outcome": "approved", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9" } } } ``` requested ```json { "outcome": "requested", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9" } } } ``` pending ```json { "outcome": "pending", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9" } } } ``` refused ```json { "outcome": "refused", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9" } } } ``` Sent for Settlement ```json { "outcome": "Sent for Settlement", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9" } } } ``` requestReceived ```json { "outcome": "requestReceived", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9" } } } ``` error ```json { "outcome": "error", "type": "pushToCard", "receivedAt": "2022-12-09T12:34:35Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.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-bsh.securedataplatform.com/moneyTransfers/{resource}` ```json { "outcome": "approved", "type": "pushToCard", "receivedAt": "2022-12-05T09:28:52Z", "_links": { "self": { "href": "https://try.access.worldpay-bsh.securedataplatform.com/moneyTransfers/MjpHbTRqTFNKV202L0NIeG9wZXkvTFBnPT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6VFQ3RjF1SnRtR05GVUpiMVpSK0pBdjFSSHdRVzVEbThWK29KalU1aEN6b2pVWktZQzJKWmxIaFFnZHRXOURxZnhxeU42SXk1akg1QkFkejByQXVwVVg1a0tzRmFVU1FpTHo5UEZIbDZpaG89" } } } ``` Note - If no update is available, you will get an error. You can get further information in our [error reference](/access/products/reference/worldpay-error-responses). - The response won't contain a `type` if the `outcome` is `error` or `Sent for Settlement`.