Card2Card Transaction

Request URL

POST /ibis/financial/card-to-card

Description

This endpoint will transfer funds from one card to another card (or one vAccount to another vAccount). When using this endpoint to transfer between vAccount only accounts, use the issued cFiAccountIds as the value for the cardFromId and cardToId properties.

Note that funds cannot be pulled from a debit card or vAccount unless the status code is "B" (ON) and funds are available. You can, however, transfer funds to a pre-active card or vAccount (issued but not yet activated). Also, when pulling funds from a credit card, the requested transfer will be declined if it causes the credit card to go over the available credit limit.

The /ibis/financial/card-to-card endpoint supports idempotency and will not accept requests with duplicate reference IDs. The external reference ID included in the request body is how connectFi controls for duplicate transaction requests. It is important to note that transaction requests submitted with unique reference IDs will not be considered duplicates, even if there are other properties with identical values. For example, the following requests are not considered duplicates.

{
    "reference": "EXT_REFERENCE_ID1", //Different reference IDs
    "cardFromId": "icrd_5lFBjJG6pPlapyodSxZ97a",
    "cardToId": "icrd_71iRvTzeQckz3fNxQ2DVqM",
    "description": "Both of these transactions will post.",
    "amount": 50,
    "currency": "USD"
}
{
    "reference": "EXT_REFERENCE_ID2", //Different reference IDs
    "cardFromId": "icrd_5lFBjJG6pPlapyodSxZ97a",
    "cardToId": "icrd_71iRvTzeQckz3fNxQ2DVqM",
    "description": "Both of these transactions will post.",
    "amount": 50,
    "currency": "USD"
}

Schema

Property table for ibis/financial/card-to-card

Property	Description	Required	Schema
reference	An external alphanumeric reference ID for the entity in your system	Yes	{   "type": "string",   "pattern": "^[0-9a-zA-Z]+$",   "minLength": 1,   "maxLength": 32,   "description": "common-reference" }
description	description	No	{   "type": "string",   "minLength": 1,   "maxLength": 60,   "description": "ibis-description" }
amount	amount	Yes	{   "type": "number",   "exclusiveMinimum": 0,   "amountPrecision": 2,   "description": "common-amount" }
currency	A three character ISO alphabetic code to identify the currency	Yes	{   "type": "string",   "maxLength": 3,   "minLength": 3,   "pattern": "^[A-Z]+$",   "description": "common-currency" }
cardFromId	The card ID in connectFi of the card to pull funds from	Yes	{   "type": "string",   "pattern": "^[0-9a-zA-Z_]+$",   "minLength": 1,   "maxLength": 36,   "description": "common-id" }
cardToId	The card ID in connectFi of the card to push funds to	Yes	{   "type": "string",   "pattern": "^[0-9a-zA-Z_]+$",   "minLength": 1,   "maxLength": 36,   "description": "common-id" }

Request Body

{
    "reference": "ExtC2CFunds133",
    "cardFromId": "icrd_1qaR2QEPXIRKr4jOyjQkTw",
    "cardToId": "icrd_5Y3maHhGD2iEqZGEpN6jBg",
    "description": "Transfer to other card",
    "amount": 10.50,
    "currency": "USD"
}

Snippet Examples

javascript

const axios = require('axios');
const data = {
    "reference": "ExtC2CFunds133",
    "cardFromId": "icrd_1qaR2QEPXIRKr4jOyjQkTw",
    "cardToId": "icrd_5Y3maHhGD2iEqZGEpN6jBg",
    "description": "Transfer to other card",
    "amount": 10.50,
    "currency": "USD"
}
;
const config = {
  method: 'POST',
  url: '${CONNECTFI_BASE_URL}/ibis/financial/card-to-card',
  headers: {
    'Content-Type': "application/json",
    'x-connectfi-token': "A long random string token received from /auth/get-token request"
  },
  data
};

let result;
try {
  result = await axios.request(config);
  if (result.status === 200) {
    console.log(JSON.stringify(result.data));
  }
} catch (err) {
  console.log({
    errCode: err.code,
    responseStatus: err.response && err.response.status,
    data: err.response && JSON.stringify(err.response.data)
  });
}

cURL

curl --location "CONNECTFI_BASE_URL/ibis/financial/card-to-card" --data "{    \"reference\":\"ExtC2CFunds133\",   \"cardFromId\":\"icrd_1qaR2QEPXIRKr4jOyjQkTw\",   \"cardToId\":\"icrd_5Y3maHhGD2iEqZGEpN6jBg\",   \"description\":\"Transfer to other card\",   \"amount\":10.50,   \"currency\":\"USD\"}" --header "Content-Type: application/json" --header "x-connectfi-token: A long random string token received from /auth/get-token request" 

Successful Response Examples

200 SUCCESSFUL RESPONSE TRANSFER BETWEEN CARDS

HEADERS

Header	Value
Content-Type	application/json
x-connectfi-token	A long random string token received from /auth/get-token request

REQUEST BODY

{
    "reference": "ExtC2CFunds134",
    "cardFromId": "icrd_1qaR2QEPXIRKr4jOyjQkTw",
    "cardToId": "icrd_5Y3maHhGD2iEqZGEpN6jBg",
    "description": "Transfer to other card",
    "amount": 10.50,
    "currency": "USD"
}

RESPONSE BODY

{
    "code": "0",
    "data": {
        "reference": "ExtC2CFunds134",
        "cFiFundsId": "ifnd_k76YyY9Mk8IfBZwUpT2Uy",
        "cFiAggregatorId": "CLIENTID",
        "type": "cardToCard",
        "cardFromId": "icrd_1qaR2QEPXIRKr4jOyjQkTw",
        "cardToId": "icrd_5Y3maHhGD2iEqZGEpN6jBg",
        "cFiStatus": "Complete",
        "boTransId": "F2166100335",
        "arn": "0000000000000000002J",
        "fee": 0,
        "balance": 10.5,
        "lastDepositAmount": 0,
        "ledgerBalance": 10.5,
        "dtsCreatedAt": "2023-11-12T23:13:08.318Z",
        "fromCardBalance": "10.50",
        "toCardBalance": "10.50"
    },
    "requestId": "0aa5b31081b111ee9b7427220cc6c212"
}

200 SUCCESSFUL RESPONSE TRANSFER BETWEEN VACCOUNTS

HEADERS

Header	Value
Content-Type	application/json
x-connectfi-token	A long random string token received from /auth/get-token request

REQUEST BODY

{
    "reference": "ExtC2CFunds261",
    "cardFromId": "icrd_7bCpK7s3qeH5OEQqmljYYy",
    "cardToId": "icrd_5RWjpAROPQimP91UfvK6wq",
    "description": "Transfer to other vAccount only account",
    "amount": 20,
    "currency": "USD"
}

RESPONSE BODY

{
    "code": "0",
    "data": {
        "reference": "ExtC2CFunds261",
        "cFiFundsId": "ifnd_7jsHptbcJUU3zATJX1nvIS",
        "cFiAggregatorId": "CLIENTID",
        "type": "cardToCard",
        "cardFromId": "icrd_7bCpK7s3qeH5OEQqmljYYy",
        "cardToId": "icrd_5RWjpAROPQimP91UfvK6wq",
        "cFiStatus": "Complete",
        "boTransId": "F2166324908",
        "arn": "0000000000000000004w",
        "fee": 0,
        "balance": 10,
        "lastDepositAmount": 0,
        "ledgerBalance": 10,
        "dtsCreatedAt": "2024-01-18T15:12:04.757Z",
        "fromCardBalance": "10.00",
        "toCardBalance": "20.00"
    },
    "requestId": "f049b420b61311eeaa76ffd7d3224a12"
}