Program Management
Book Transfer
Book transfer between two routable bank accounts (any entity pairing supported).
Authentication: send the program API key either in the api_key HTTP header or as an api_key JSON body field.
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",
"status": "pending",
"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,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}Authorizations
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
Monetary amount as a decimal string with two decimal places (for example "100.00"). Must be positive.
Example:
"100.00"
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.
Type of the source entity.
Available options:
user, business, program Source routable bank account identifier. Must belong to the source_entity_id.
Example:
"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
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.
Type of the destination entity.
Available options:
user, business, program Destination routable bank account identifier. Must belong to the destination_entity_id.
Example:
"rbac-2b1c0e44-4f2d-9a11-7b23-cc90d1ef8f3a"
Free-form description attached to the resulting transaction.
Client-supplied idempotency token. Submitting the same key twice returns the first response rather than creating a duplicate transaction.
Program API key. Accepted either in the api_key HTTP header or as this body field.
Optional external reference string stored on the resulting transaction.
Arbitrary key/value metadata object attached to the operation.
⌘I
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",
"status": "pending",
"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,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}{
"status": "error",
"message": "Something went wrong",
"data": "<unknown>",
"status_code": {
"status_code": 1000,
"error_type": "NOT_FOUND",
"message": "Resource not found",
"description": "The requested resource does not exist"
}
}