❗️
Important
We suggest you use Transfer Auto Flow endpoint to initiate a payment. Auto Flow abstracts all the validations and processing logic, required to initiate a transaction using CreateTransfer endpoint.
To read more about the Transfer Flow, please refer to Transfer Auto Flow Documentation

Method is used to initiate a new payment from one account to another account.

👍
Pre-Requirement
You have obtained user's permanent access token from Exchange Token endpoint
To read more about authentication process and access token please refer to Authentication Documentation

📘
Note
Please note that some of the banks require recipient to be registered as a beneficiary of the user in order to process a transaction.
Additionally some of the banks also have cool-down period activated after adding the beneficiary. They will not allow transaction to go through for the beneficiary until the cool-down period is over.
Some of the banks also require beneficiary information to be specified together with receiverID for the first transaction to the beneficiary. From second transaction onward, only receiverID is sufficient.
Whether the bank requires beneficiaries or has cool down period can be obtained from Metadata API. To read more about the obtaining data about the banks please refer to Metadata Documentation

Request

https://api.dapi.com/v2/payment/transfer/create

Headers

Parameter	Type	Description
Authorization REQUIRED	`String`	Set type to bearer token and the value to the accessToken obtained using the Exchange Token request.

Body Parameters

🚧
Warning
Required parameters may be different for certain banks. For more information, see Exceptions.

📘
Note
Method does not require specification of currency in which transaction must be performed. It is automatically done in the currency of user account specified in senderID

Parameter	Type	Description
appSecret REQUIRED	`String`	Private token generated at application creation.
userSecret REQUIRED	`String`	Returned when user authenticates in Dapi system using Connect layer
receiverID Optional	`String`	An identifier for the beneficiary that will receive the money. Obtained from the Get Beneficiaries endpoint. Must be specified if the bank requires receiver to be registered as beneficiary to perform a transaction
Beneficiary Optional	`Object <Beneficiary>`	Details of amount receiver. See description of the object further in the document. Can be specified instead of receiverID, if bank does not require beneficiary registration Must be specified together with receiverID if bank requires it for the first transaction
amount REQUIRED	`Number`	Amount of money to be sent. Must be number rounded to up to 2 decimal points.
senderID REQUIRED	`String`	An identifier for the bank account the user will send money from. Obtained from the Account - GetAccounts* endpoint.*
remark OPTIONAL	`String`	A message associated with the transfer.
userInputs OPTIONAL	`Array<userInputs>`	Array of UserInputs object, required only if initial request responded with user inputs specification. You can read more about user inputs specification on Specify User Input

Beneficiaries schema

Parameter	Type	Description
name REQUIRED	`String`	Name of the beneficiary.
nickname REQUIRED	`String`	Nickname of the beneficiary.
accountNumber REQUIRED	`String`	Account number of the beneficiary.
type REQUIRED	`String`	Type of beneficiary. Can be set to same if the beneficiary's bank is the same as the sender's, local if the beneficiary's bank is in the same country, or intl if the beneficiary's bank is in a different country.
address REQUIRED	`Object<Address>`	An object containing the address information of the beneficiary.
country REQUIRED	`String`	Name of the country in all uppercase letters (e.g. “AE”).
sortCode OPTIONAL	`String`	Financial institution’s sort code.
branchAddress REQUIRED	`String`	Address of the financial institution’s specific branch.
branchName REQUIRED	`String`	Name of the financial institution’s specific branch.
phoneNumber REQUIRED	`String`	Beneficiary's phone number.
iban REQUIRED	`String`	Beneficiary's IBAN number.
swiftCode REQUIRED	`String`	Beneficiary's financial institution's SWIFT code.

Address schema

Parameter	Type	Description
line1 REQUIRED	`String`	Street name and number. Note: value should not contain any commas or special characters.
line2 REQUIRED	`String`	City name. Note: value should not contain any commas or special characters.
line3 REQUIRED	`String`	Country name. Note: value should not contain any commas or special characters.

Request Example

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

Response

📘
Note
Your responses may differ from those listed below on a case-by-case basis.

Parameter	Type	Description
operationID	`String`	Unique ID generated to identify a specific operation.
success	`Boolean`	Returns `true` if request is successful and `false` for all else.
status	`Enum`	The status of the job. `done` - Transaction has been completed successfully `failed` - Transaction failed `user_input_required` - Transaction is pending user action to continue `initialized` - Transaction is in progress
reference OPTIONAL	`String`	A reference number for the transfer as provided by the financial institution. Is only returned if the transaction was completed successfully (status is `done`)
remark OPTIONAL	`String`	The remark that was passed in the initial request body for autoflow. If nothing was passed, it will be an empty string.
userInputs OPTIONAL	Array	Specifies the type of further information required from the user before the job can be completed. Is only returned if operation status is `user_input_required
msg	`String`	Detailed description of the error Is only returned if the request was not successful
type	`Enum`	Type of error encountered Is only returned if the request was not successful

userInputs Object

Parameter	Type	Description
id	`Enum`	Type of input required. Can be one of the following: `otp` `secret_question` `captcha` `pin` `confirmation` `token` You can read more about user input types on User Input Types
query	`String`	Textual description of what is required from the user side
index	`Number`	Is used in case more than one user input is requested. will always be 0 If only one input is requested.
answer	`String`	User input that must be submitted. In the response it will always be empty.

Response Example

{
    "operationID": "74521eb4-34e3-4b49-9161-0edfe4683be7",
    "success": true,
    "status": "done",
    "reference": "119421587"
}

Successful Request / Response - For Banks That Require Beneficiary

Request - For Banks That Require Beneficiary

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

Response - For Banks That Require Beneficiary

{
    "operationID": "74521eb4-34e3-4b49-9161-0edfe4683be7",
    "success": true,
    "status": "done",
    "reference": "119421587",
    "remark": "ABC123"
}

Request / Response - When User Input Is Required

Request - When User Input Is Required

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "DSv56dS/PB7QGJI/IGX4qKDhGVhIvQQhWo4zxTDT0gn079JlHnUSSq8NAtavX4fpHj7PGQ74BzVXBO9pFHXdSeLCMnayKLTLD0+zmMu7wfGzy+ZhkYTBe040CXWQ+AYaPhGTzfVWu3Lz6oM2QnqM9X56BbvpC80tN8Zg72VJHWC6YjazdQQ2NK0pl9+ePbmqn7PNjFKLhipgpTl7Hw3kvnLrSIC9AcXzVYQeSWYAv3LAEbECB1aNLXC0glMG2W7L2iLTMwy54wHbXXfSQlK9S6X7wmnZ0tn28H0MwMqWdLLtxvcFyYlMr3E0hqYnK4a5sU0IvF1yJAMHMBCbjw2Trnx2VMuX5IWjdxScfh+8IxWGvKl6RypksJTyNg100H+Q+j0vfKW/bOijFolZgHJtAxUowPlewK9JwoWahkbX2KTGoqQbSCh6KSzaCxdbg7ykNI5n+m6vdoWzGfZGFYjfgMX6aMInAM3b32ZAp9DlfFxRkg3oeoLBuTGTz73E51bZj9mGgD0FxkIXFPIWGx0WyxoYpMEesJeT8phNy0G82Bd7qzWCPGP4gK70jGpqfCWsvj1XZKMMMjReCdUrhtXKB4spQIFi+63WcGV7vDyWQdUTINOhmR8QfZOJoVm+VZgFiqCLI3Aa8AnoYw3UIPiheVjE5lxMulPNIP0QGMR31VY=",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

Response - When User Input Is Required

{
    "operationID": "32d05c2e-e1c3-458c-a59f-209488629f16",
    "success": true,
    "status": "user_input_required",
    "userInputs": [
    {
      "answer": "",
      "id": "otp",
      "index": 0,
      "query": "Please enter a Smart Pass Token from your ENBD mobile application"
    }
    ]
}

For more information on handling user input, please see User Inputs.

Successful Request / Response - For Banks That Don't Require Beneficiary

- Successful Request - For Banks That Don't Require Beneficiary

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "beneficiary": {
        "name": "John Doe",
        "nickname": "John ENBD",
        "address": {
            "line1": "Baker Street",
            "line2": "Abu Dhabi",
            "line3": "United Arab Emirates"
        },
        "country": "AE",
        "branchAddress": "Deira",
        "branchName": "Main Branch",
        "swiftCode": "FGBMAEAA",
        "iban": "AE770351001004432453627",
        "accountNumber": "1001004437564656",
        "bankName": "ENBD"
    }
}

- Successful Response - For Banks That Don't Require Beneficiary

{
    "operationID": "74521eb4-34e3-4b49-9161-0edfe4683be7",
    "success": true,
    "status": "done",
    "reference": "119421587",
    "remark": "ABC123"
}

Failed Request/Response - Missing Mandatory Parameters

Request - Missing Mandatory Parameters

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

Response - Missing Mandatory Parameters

{
  "success": false,
  "status": "failed",
  "msg": "Missing params: amount.",
  "type": "PARAMETER_MISSING"
}

Failed Request/Response - Invalid SenderID Specified

Failed Request - Invalid SenderID Specified

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "senderID": "Invalid_sender_id",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

❗️
Why invalid senderID ?
If you think you are passing a correct senderID into the request, but the request keeps failing. This is an indicator that you should call getAccounts endpoint again in order to retrieve up to date accountIDs to use as senderIDs
Same applies for INVALID_RECEIVER_ID error and getBeneficiaries endpoint.

Failed Response - Invalid SenderID

{
    "operationID": "EBILAEAD_L:6b859dba-8ea1-43fc-b913-f9c3ed5039a8",
    "msg": "Account ID is invalid.",
    "type": "INVALID_ACCOUNT_ID",
    "success": false,
    "status": "failed"
}

When Invalid AppSecret Is Specified

Failed Request - When Invalid AppSecret Is Specified

{
    "appSecret": "Invalid_app_secret",
    "userSecret": "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",
    "fromDate": "20201-22-01",
    "toDate": "2020-04-30",
      "accountID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw=="
}

Failed Request/Response - Invalid Token Specified

Request - Invalid Token Specified

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

Response - Invalid Token Specified

{
  "msg": "Invalid access token",
  "type": "UNAUTHORIZED",
  "success": false,
  "status": "failed"
}

Failed Request / Response - Token Is Not Passed

Request - - Token Is Not Passed

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "receiverID": "kSSWuq7RXww1VZpvF05KBfeiQxr8nb/uHQ35ZqSmhnp2gVoqZ7+DCnI/zRLzcg32myS/e8BLPhMJaT7mJ3z9Uw=="
}

Response - - Token Is Not Passed

{
  "msg": "The 'appSecret' field is required",
  "type": "BAD_REQUEST",
  "success": false,
  "status": "failed"
}

📘
Note
For more information and detailed breakdown of possible errors, please see Errors.

❗️Important

👍Pre-Requirement

📘Note

Request

Headers

Body Parameters

🚧Warning

📘Note

Beneficiaries schema

Address schema

Request Example

Response

📘Note

userInputs Object

Response Example

Successful Request / Response - For Banks That Require Beneficiary

Request - For Banks That Require Beneficiary

Response - For Banks That Require Beneficiary

Request / Response - When User Input Is Required

Request - When User Input Is Required

Response - When User Input Is Required

Successful Request / Response - For Banks That Don't Require Beneficiary

- Successful Request - For Banks That Don't Require Beneficiary

- Successful Response - For Banks That Don't Require Beneficiary

Failed Request/Response - Missing Mandatory Parameters

Request - Missing Mandatory Parameters

Response - Missing Mandatory Parameters

Failed Request/Response - Invalid SenderID Specified

Failed Request - Invalid SenderID Specified

❗️Why invalid senderID ?

Failed Response - Invalid SenderID

When Invalid AppSecret Is Specified

Failed Request - When Invalid AppSecret Is Specified

Failed Request/Response - Invalid Token Specified

Request - Invalid Token Specified

Response - Invalid Token Specified

Failed Request / Response - Token Is Not Passed

Request - - Token Is Not Passed

Response - - Token Is Not Passed

📘Note

❗️
Important

👍
Pre-Requirement

📘
Note

🚧
Warning

📘
Note

📘
Note

❗️
Why invalid senderID ?

📘
Note