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

Request

https://api.dapi.com/v2/wire/transfer/autoflow

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

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
beneficiary Optional	`Beneficiary Object`	Details of amount receiver. See description of the object further in the document.
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 custom identification associated with the transfer.

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.
bankName REQUIRED	`String`	Name of the financial institution.
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.
email OPTIONAL	`String`	Only required for Local transfers in Canada
branchCode OPTIONAL	`String`	Only required for Same bank transfers in Candata
addresses OPTIONAL	`Array<String>`	Specify which webhook URL(s) defined in app settings to send data to. If empty, an update will be sent to all defined webhook URL(s).

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==",
    "beneficiary": {
        "name": "John Doe",
        "nickname": "John Doe 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"
    }
}

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. For further explanation see Job Status `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<userInputs>`	Specifies the type of further information required from the user before the job can be completed.

userInputs Object

Parameter	Type	Description
id	`Enum`	Type of input required. Can be one of the following: `otp` `secret_question` `captcha`
index	`Number`
query	`String`	Textual description of what is required from the user side
answer	`String`	User input that must be submitted. In the response it will always be empty.

"userInputs": [
    {
      "id": "otp",
      "index": 0,
      "query": "Please enter the One Time Password sent to your registered mobile number"
    }

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

Response Example

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

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==",
    "beneficiary": {
        "name": "John Doe",
        "nickname": "John Doe 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"
    }
}

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": "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",
	"amount":1,
	"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",

}

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.

Failed Response - Beneficiary Cool Down

Request - Missing Mandatory Parameters

{
	"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
	"userSecret": "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",
	"amount":1,
	"senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
}

Response - Missing Mandatory Parameters

{
    "operationID": "DAPIBANK_AE_LIV:8a17fac5-xxxx-47b2-9b87-5d544fd993d9",
    "success": false,
    "status": "failed",
    "type": "BENEFICIARY_COOL_DOWN_PERIOD",
    "msg": "You are attempting a transfer to a newly added beneficiary. Please try to make the transfer again after 6 hours.",
    "coolDownPeriod": {
        "value": 6,
        "unit": "hrs"
    }
}

Failed Request/Response - Invalid SenderID Specified

Failed Request - Invalid SenderID Specified

{
	"appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
	"userSecret": "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",
	"senderID": "invalid_sender_id",
  "amount": 1
}

❗️
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

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"
}

Failed Request/Response - Invalid Token Specified

Request - Invalid Token Specified

{
    "appSecret": "00bae841ad979345fca2e2585c000da7eac420504d189cf63315e7a6234d45c68dbd6fff749167292cd1475622805dce7a2b979db3c16e25a2897158ee63845b1043930ff603e19deb1d2d54ad9afc3d52df241d3c4e7286244a2f98a10212e38b2e9f8b0e3a7592702fa4358fb9103b93a26dd6bb92c2be0327ac054f14becc",
    "userSecret": "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",
    "amount": 1,
    "senderID": "ntV7rbYoexYaGDRfLCAo8vw1xXgu2VaXXtqvNoMU0sfy6aNErfUEGMD+P6lAlkzu/GKxPeoef7d7eNoxlHKyRw==",
    "beneficiary": {
        "name": "John Doe",
        "nickname": "John Doe 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"
    }
}

Response - Invalid Token Specified

{
  "success": false,
  "status": "failed",
  "msg": "Invalid/expired token or invalid secret"
}

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==",
    "beneficiary": {
        "name": "John Doe",
        "nickname": "John Doe 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"
    }
}

Response - - Token Is Not Passed

{
  "success": false,
  "status": "failed",
  "msg": "The 'jwt' field is required.",
  "type": "VALIDATION_ERROR"
}

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