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POST
/
book-transfer
/
routable-bank-account-to-routable-bank-account-transfer
Transfer between two routable bank accounts
curl --request POST \
  --url https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'api_key: <api-key>' \
  --data '
{
  "api_key": "YOUR_API_KEY",
  "amount": "100.00",
  "source_entity_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
  "source_entity_type": "user",
  "source_routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a",
  "destination_entity_id": "buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e",
  "destination_entity_type": "business",
  "destination_routable_bank_account_id": "rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8",
  "description": "Payout for invoice #INV-001",
  "idempotent_key": "idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8"
}
'
import requests

url = "https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer"

payload = {
    "api_key": "YOUR_API_KEY",
    "amount": "100.00",
    "source_entity_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
    "source_entity_type": "user",
    "source_routable_bank_account_id": "rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a",
    "destination_entity_id": "buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e",
    "destination_entity_type": "business",
    "destination_routable_bank_account_id": "rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8",
    "description": "Payout for invoice #INV-001",
    "idempotent_key": "idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8"
}
headers = {
    "Authorization": "Bearer <token>",
    "api_key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
const options = {
  method: 'POST',
  headers: {
    Authorization: 'Bearer <token>',
    api_key: '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    api_key: 'YOUR_API_KEY',
    amount: '100.00',
    source_entity_id: 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
    source_entity_type: 'user',
    source_routable_bank_account_id: 'rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a',
    destination_entity_id: 'buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e',
    destination_entity_type: 'business',
    destination_routable_bank_account_id: 'rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8',
    description: 'Payout for invoice #INV-001',
    idempotent_key: 'idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8'
  })
};

fetch('https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));
<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'api_key' => 'YOUR_API_KEY',
    'amount' => '100.00',
    'source_entity_id' => 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
    'source_entity_type' => 'user',
    'source_routable_bank_account_id' => 'rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a',
    'destination_entity_id' => 'buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e',
    'destination_entity_type' => 'business',
    'destination_routable_bank_account_id' => 'rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8',
    'description' => 'Payout for invoice #INV-001',
    'idempotent_key' => 'idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "api_key: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer"

	payload := strings.NewReader("{\n  \"api_key\": \"YOUR_API_KEY\",\n  \"amount\": \"100.00\",\n  \"source_entity_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n  \"source_entity_type\": \"user\",\n  \"source_routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\",\n  \"destination_entity_id\": \"buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e\",\n  \"destination_entity_type\": \"business\",\n  \"destination_routable_bank_account_id\": \"rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\",\n  \"description\": \"Payout for invoice #INV-001\",\n  \"idempotent_key\": \"idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("api_key", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}
HttpResponse<String> response = Unirest.post("https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer")
  .header("Authorization", "Bearer <token>")
  .header("api_key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"api_key\": \"YOUR_API_KEY\",\n  \"amount\": \"100.00\",\n  \"source_entity_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n  \"source_entity_type\": \"user\",\n  \"source_routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\",\n  \"destination_entity_id\": \"buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e\",\n  \"destination_entity_type\": \"business\",\n  \"destination_routable_bank_account_id\": \"rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\",\n  \"description\": \"Payout for invoice #INV-001\",\n  \"idempotent_key\": \"idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\"\n}")
  .asString();
require 'uri'
require 'net/http'

url = URI("https://api.sdev.banking.ingopayments.tech/api/v4/book-transfer/routable-bank-account-to-routable-bank-account-transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["api_key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"api_key\": \"YOUR_API_KEY\",\n  \"amount\": \"100.00\",\n  \"source_entity_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n  \"source_entity_type\": \"user\",\n  \"source_routable_bank_account_id\": \"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a\",\n  \"destination_entity_id\": \"buss-2ef94c60-5a11-4d72-a3c1-5be7fab0123e\",\n  \"destination_entity_type\": \"business\",\n  \"destination_routable_bank_account_id\": \"rbac-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\",\n  \"description\": \"Payout for invoice #INV-001\",\n  \"idempotent_key\": \"idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\"\n}"

response = http.request(request)
puts response.read_body
{
  "status": "success",
  "message": "operation completed",
  "data": {
    "items": [
      {
        "id": "ltra-4f2d9a11-7b23-cc90-d1ef-8f3a2b1c0e44",
        "amount": "100.00",
        "currency": "usd",
        "category": "<string>",
        "method": "<string>",
        "originator_type": "<string>",
        "originator_id": "<string>",
        "description": "<string>",
        "posting_date": "2026-04-16T12:34:56.000Z",
        "reversed_transaction_id": "ltra-4f2d9a11-7b23-cc90-d1ef-8f3a2b1c0e44"
      }
    ],
    "pagination": {
      "page": 1,
      "per_page": 25,
      "total": 100,
      "sort": "created_at:desc",
      "search": "jane"
    }
  }
}
{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}
{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}
{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

Authorizations

​
api_key
string
header
required

Program API key identifying your integration. Pass as the api_key HTTP header (preferred) or as an api_key field in the JSON request body. Required on every request in addition to the HMAC Authorization header.

Body

application/json
​
amount
string
required

Monetary amount as a decimal string with two decimal places (for example "100.00"). Must be positive.

Example:

"100.00"

​
source_entity_id
string
required

Identifier of the source entity. Matches source_entity_type: a user-* id when type is user, a buss-* id when business, or a prog-* id when program.

​
source_entity_type
enum<string>
required

Type of the source entity.

Available options:
user,
business,
program
​
source_routable_bank_account_id
string
required

Source routable bank account identifier. Must belong to the source_entity_id.

Example:

"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"

​
destination_entity_id
string
required

Identifier of the destination entity. Matches destination_entity_type: a user-* id when type is user, a buss-* id when business, or a prog-* id when program.

​
destination_entity_type
enum<string>
required

Type of the destination entity.

Available options:
user,
business,
program
​
destination_routable_bank_account_id
string
required

Destination routable bank account identifier. Must belong to the destination_entity_id.

Example:

"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"

​
description
string
required

Free-form description attached to the resulting transaction.

​
idempotent_key
string
required

Client-supplied idempotency token. Submitting the same key twice returns the first response rather than creating a duplicate transaction.

​
api_key
string

Program API key. Accepted either in the api_key HTTP header or as this body field.

​
reference
string

Optional external reference string stored on the resulting transaction.

​
metadata
object

Arbitrary key/value metadata object attached to the operation.

Response

Success.

​
status
enum<string>
required
Available options:
success
​
message
string
required
Example:

"operation completed"

​
data
object

Endpoint-specific payload; shape varies per operation.