Money transfers

Money transfer is a payment type which uses one request to initiate debiting funds from the sender and subsequently crediting these funds to the recipient. Money transfers can be sent from one customer to another as well as between the different payment instruments of the same customer. Different payment instruments can be used for debiting and crediting, and the merchant always acts as a provider of the service for such transfers.

To initiate money transfer processing through Gate, the web service is required to do the following:

1. Send a request to the /v2/payment/money_transfer endpoint.
2. If necessary, complete an additional procedure (for example, the 3‑D Secure authentication).
3. Receive a callback with the money transfer result from the payment platform.

The following diagram illustrates the money transfer processing workflow (without completion of additional procedures).

When creating a request for money transfer processing, follow the specification of the /v2/payment/money_transfer endpoint. As for a card-to-card transfer (which can be regarded as a typical use case), consider the following:

1. Send the request to the /v2/payment/money_transfer endpoint.
2. The request must contain the following objects and parameters:
   • general—the object containing the general identification information of the request:
     • project_id—the project identifier assigned by Flashpay at the stage of integration
     • payment_id—the payment identifier unique within the merchant project
     • signature—the request signature generated after all required parameters have been specified (for more information, see Signature generation and verification)
   • customer—the object containing the sender information:
     • id—the identifier of the customer (money transfer sender) within the merchant project;
     • ip_address—the customer's IP address relevant for the initiated request
     • country—the country code in the customer's address in ISO 3166-1 alpha-2
     • city—the place of residence (e.g., town, city, or other settlement type) in the customer's address
     • first_name—the first name of the customer
     • last_name—the last name of the customer
     • zip—the postal or zip code in the customer's address
     • address—the name of the street and the house number (including any additional parts of the address such as building indicators and apartment numbers) in the customer's address, separated by a comma
     • phone—the sender's phone number that must be passed if the funds are credited to a Visa card issued in Brazil or Qatar
   • recipient_customer—the object containing the recipient information:
     • first_name — the first name of the recipient
     • last_name — the last name of the recipient
     • phone — the phone number of the recipient
     • email — email address of the recipient.
   • payment—the object containing the money transfer information:
     • sender_payment_method—the code of the payment method for debit
     • recipient_payment_method—the code of the payment method for credit
     • sender_amount—the amount to be debited from the sender in minor currency units
     • sender_currency—the currency code for the debited amount in ISO-4217 alpha-3
     • recipient_amount—the amount to be credited to the recipient in minor currency units
     • recipient_currency—the currency code for the credited amount in ISO-4217 alpha-3
3. The request must contain the sender's payment instrument information. When sending the actual card details, include the following parameters in the sender object:
   • pan—the number of the payment card (specified as is, without masked characters, spaces, or other separators)
   • year—the year when the card expires (in four-digit format YYYY according to the Gregorian calendar)
   • month—the month when the card expires (provided as a number without a leading zero)
   • card_holder—the sender's first and last name (as specified on the card)
   • cvv—card verification code
4. The request must contain the following information about the recipient's payment instrument. When sending the actual card details, include the following parameters in the recipient object:
   • pan—the number of the payment card (specified as is, without masked characters, spaces, or other separators);
   • card_holder—the recipient's first and last name (as specified on the card).
5. If necessary, you can also add any other additional parameters and objects specified in the API specification.

Thus, a correct request for processing a card-to-card money transfer contains project and payment identifiers, the signature, information about the money transfer sender, the sender’s and the recipient’s payment instruments, the payment methods, amounts, and currency codes for debit and credit operations.

{
  "general":{
    "project_id": 440694,
    "payment_id": "ORDER_9777113840",
    "signature": "QsbTriwuNYLzqDYMm/roHPirhlvRpsuCm4yt0yiWNhWviXsmTvE8TKjsEdzQXrakGLIzA1G/eHzOno5HQLEusA=="
    },
  "recipient":{
    "number": "4242424242424242"
    },
  "sender":{
    "pan":"4314220000000056",
    "year":2024,
    "month":10,
    "card_holder":"Gio Boccaccio",
    "cvv":"334"
    },
  "payment":{
    "sender_amount": 10000,
    "sender_currency": "RUB",
    "sender_payment_method":"card",
    "recipient_amount": 10000,
    "recipient_currency": "TRY",
    "recipient_payment_method":"bank-transfer/turkey"
    },
  "customer":{       
    "id": "Vally",
    "first_name": "Orhan",
    "last_name": "Pamuk",
    "ip_address": "1.0.4.0"
    },
  "recipient_customer":{       
    "first_name": "Fatma",
    "last_name": "Aliye",
    "phone": "3572437356",
    "email": "test@example.com"
    }
}