Move Money

Business Owners and their Operators can initiate three types of money movement — internal TBA transfers, ACH transfers to/from linked external bank accounts, and scheduled auto-payments — all of which require KYB approval.

Transfer Types

Type	Description	Auth required
TBA (Internal)	Move funds between the business's own accounts (e.g. checking → savings)	KYB approved
ACH	Pull from or push to an external bank account linked via Plaid	KYB approved
Auto-Payment	Recurring scheduled transfer (TBA or ACH) on a defined frequency	KYB approved

Internal Transfer (TBA)

Preview Transfer

POST /accounts/private/v1/tba-requests/preview

Auth: Business Owner or Operator access token (requires transferFunds permission for Operators)

Preview the fee and details before executing.

{
  "fromAccountId": "acc-uuid-1",
  "toAccountId": "acc-uuid-2",
  "amount": 1000.00
}

Response:

{
  "data": {
    "fee": 0.00,
    "amount": 1000.00,
    "totalDeducted": 1000.00
  }
}

Execute Transfer

POST /accounts/private/v1/tba-requests

Auth: Business Owner or Operator access token (requires transferFunds permission for Operators)

{
  "fromAccountId": "acc-uuid-1",
  "toAccountId": "acc-uuid-2",
  "amount": 1000.00
}

ACH Transfer (External)

ACH transfers require a linked external bank account. Use the Plaid-based flow to link one first.

Step 1 — Get BaaS Auth Token

POST /external-accounts/private/v1/baas/auth-token

Auth: Business Owner or Operator access token

Returns a short-lived BaaS token to initialize the Plaid Link session.

Step 2 — Link External Account

Use the BaaS token to open Plaid Link in your UI. On success, Plaid returns an accountId you can use for ACH transfers.

Step 3 — List Linked External Accounts

GET /external-accounts/private/v1/account

Returns all external accounts linked to the user.

Step 4 — Preview ACH Transfer

POST /accounts/private/v1/ext-requests/preview

{
  "externalAccountId": "ext-acc-uuid",
  "internalAccountId": "acc-uuid-1",
  "amount": 500.00,
  "direction": "pull"
}

Field	Values	Description
`direction`	`pull` / `push`	`pull` = external → internal; `push` = internal → external

Step 5 — Execute ACH Transfer

POST /accounts/private/v1/ext-requests

Same body as the preview. Executes the transfer after confirmation.

Auto-Payments

Auto-payments are recurring scheduled transfers. They can be set up by the Business Owner or by an Operator with autoPay permission.

Auto-payments run on the configured schedule (monthly, annually, etc.) and can be paused, updated, or deleted at any time.

Auto-payment API reference is included in the full API reference section.

Transfer Limits

GET /external-accounts/private/v1/account/transfer-limits

Returns the configured per-transaction and daily transfer limits for ACH transfers.

{
  "data": {
    "dailyLimit": 10000.00,
    "perTransactionLimit": 5000.00,
    "currency": "USD"
  }
}

Operator Permissions for Transfers

When an Operator initiates a transfer, the request is gated by the permissions the Business Owner assigned:

Permission	Allows
`transferFunds`	TBA internal transfers and ACH transfers
`autoPay`	Create and manage auto-payment schedules

An Operator missing the required permission receives 403 Forbidden.