--- updatedAt: 2026-03-31T19:28:09.000Z --- Fetch the complete documentation index at: https://developers.pismo.io/pismo-docs/llms.txt. Use this file to discover all available pages before exploring further. Append .md to any documentation page URL to get its markdown version. # How to make transfer > 📘 > > For any new deployments, the recommendation is to use the enhanced [Payment methods](https://developers.pismo.io/pismo-docs/docs/payment-methods) API instead of the [Transfer funds](https://developers.pismo.io/pismo-docs/reference/post-payments-v1-payments) endpoint described in this guide. All new feature developments will be available only in the Payment methods API. For more information, contact your Pismo representative. # API reference You can make a transfer by using the following endpoint. For more information, go to the [API reference](https://developers.pismo.io/pismo-docs/reference/post-payments-v1-payments). ```json POST payments/v1/payments ``` # Transfer (P2P) To perform a transfer of funds between two accounts inside the Pismo platform using the account balance: * in the `from` object, provide the `account id` of the source Pismo account. * in the `to` object, provide the `account id` of the destination Pismo account. ![Image showing a result of a transfer.](https://files.readme.io/4d17cbd-payments-p2p2x.png "payments-p2p@2x.png") | Request payload | Response | | :--------------------- | :------------------------ | | *(A) - from* | *(H) - event\_date* | | *(B) - to* | *(I) - authorization\_id* | | *(C) - account id* | | | *(D) - amount* | | | *(E) - currency* | | | *(F) - payment method* | | | *(G) - metadata* | | ## Sample payload request ```json P2P sample payload request { "tracking_id":"2436f48b-d57d-472c-aea4-47581a492502", "descriptor":"P2P payment", "from":[ { "amount":150, "currency":"USD", "account":{ "id":125487 } } ], "to":[ { "account":{ "id":126789 } } ], "metadata":{ "source":"account balance", "message":"Sunday's barbecue share" } } ``` ## Sample response ```json P2P sample response { "authorization_id": 31042116, "authorization_ids": { "credit": 31042117, "debit": 31042116 }, "available_credit_limit": 1874.68, "event_date": "2022-01-12T12:16:17.646Z", "tracking_id": "b970c8a9-5ec9-4e46-8c0d-f411e0bd6ce7" } ``` ## Response details | Field | Type | Description | | :------------------------- | :----- | :------------------------------------------------------------------------------- | | `tracking_id` | string | The identifier provided or the one generated by Pismo. | | `event_date` | string | The date and time of the moment the transaction was successfully made, in UTC-0. | | `authorization_ids` | object | The credit and debit authorization identifiers. | | `authorization_ids.credit` | number | The credit authorization identifier. | | `authorization_ids.debit` | number | The debit authorization identifier. | | `metadata` | object | The metadata returned from the acquirer, if applicable. | *** # Transfer from card To perform a transfer from a card that was previously registered in the [wallet](https://developers.pismo.io/pismo-docs/docs/wallet-overview) to an account within the Pismo platform, you must: * in the `from` object, provide the card's unique identifier, `card_uuid`, and the `account id` that the card is bound to. * in the `to` object, provide the `account id` of the destination Pismo account. ![Image showing the parts of the transfer on a mobile phone. ](https://files.readme.io/62ee8b0-payments-p2p-withCard2x.png "payments-p2p-withCard@2x.png") | Request payload | Response | | :------------------- | :------------------------ | | *(A) - from* | *(H) - event\_date* | | *(B) to* | *(I) - authorization\_id* | | *(C) account id* | | | *(D) amount* | | | *(E) currency* | | | *(F) payment method* | | | *(G) metadata* | | ## Sample payload request ```json Transfer from card sample request { "descriptor": "P2P payment with card", "from": [ { "amount": 150, "currency": "USD", "card": { "id": "f45dbe01-4109-11ea-ab1d-3286e4ea7ade", "account_id": 5487 } } ], "to": [ { "account": { "id": 126789 } } ], "metadata": { "source": "account balance", "message": "Sunday's barbecue share" } } ``` ## Sample response ```json Transfer from card sample response { "authorization_id": 31042111, "authorization_ids": { "credit": 31042112, "debit": 31042111 }, "event_date": "2022-01-12T12:11:58.952Z", "metadata": { "authorization_code": "154856", "nsu": "893681195173", "tid": "13042201120912190001" }, "tracking_id": "1641989519" } ``` *** # Cash-in A cash-in operation moves funds from an external party into an account on the Pismo platform. To perform cash-in operations, you need to: * in the `to` object, provide the `account ` object that contains a valid Pismo account id. * in the `from` object, provide the `custom_info` object that contains the `type` of the operation. ![Image showing the parts of the transfer on a mobile phone. ](https://files.readme.io/bb5ce9a-payments-cashinBankTransfer2x.png "payments-cashinBankTransfer@2x.png") | Request payload | Response | | :---------------------- | :------------------------ | | *(A) - to* | *(F) - event\_date* | | *(B) - account id* | *(G) - descriptor* | | *(C) - account balance* | *(H) - metadata* | | *(D) - descriptor* | *(I) - authorization\_id* | | *(E) - amount* | | ## Sample payload request ```json Cash-in sample request { "descriptor": "BANK TRANSFER", "from": [ { "custom_info": { "type": "CASHIN", "external_id": "be6474e8-b849-4213-9e1f-bdf619a27a63" } } ], "to": [ { "amount": 150, "currency": "USD", "account": { "id": 105708 } } ], "metadata":{ "sender": "Andrew Foster", "bank": "OneBank", "branch_code": "0089", "account_id": "13000-7" } } ``` ## Sample response ```json Cash-in sample response { "authorization_id": 31042107, "authorization_ids": { "credit": 31042107, "debit": null }, "available_credit_limit": 1200.00, "event_date": "2022-01-12T12:06:06.377Z", "status_code": 1, "tracking_id": "63c8f39c-6a79-4250-ad33-34b89f28deff" } ``` *** # Cash-out To perform cash-out operations using the account balance, you need to: * in the `from` object, provide the `account` object that contains a valid Pismo account id. * in the `to` object, provide the `custom_info` object that contains the `type` of the operation you are performing. The `custom_info` object allows multiple possibilities, such as withdrawing funds, topping up mobile devices, paying registered bills, and more. ![Image showing the parts of the transfer on a mobile phone. ](https://files.readme.io/6ffbeff-payments-withdrawal2x.png "payments-withdrawal@2x.png") | Request payload | Response | | :--------------------- | :------------------------ | | *(A) - from* | *(F) - event\_date* | | *(B) - currency* | *(G) - descriptor* | | *(C) - amount* | *(H) - metadata* | | *(D) - payment method* | *(I) - authorization\_id* | | *(E) - entry\_mode* | | ## Sample payload request ```json Cash-out sample request { "descriptor": "ATM's withdrawal", "from": [ { "amount": 50.00, "currency": "USD", "account": { "id": 125487, } } ], "to": [ { "custom_info": { "type": "WITHDRAWAL", "external_id": "2343646-2139867-09897776" } } ] } ``` *** # Sample response ```json Cash-out sample response { "authorization_id": 31042110, "authorization_ids": { "credit": null, "debit": 31042110 }, "available_credit_limit": 1875.68, "event_date": "2022-01-12T12:09:26.627Z", "tracking_id": "eea76b3c-46c0-4c6c-9312-27e9ee48acbf" } ```