Skip to navigation
Payments & Transfers

Send Money

Let customers send money person-to-person using just an email address or mobile number.

View as Markdown

Overview

The Send Money API lets a customer send funds to another person in minutes using only the recipient’s email address or U.S. mobile number — no account or routing numbers required. It’s ideal for splitting a bill, paying rent to a roommate, or reimbursing a friend.

What you can do

Send in seconds — Move money to anyone with an email or mobile number.

Request money — Send a payment request that the other person can approve.

Track status — Follow each payment from initiation through delivery with clear status updates.

Send a payment

1

Authenticate

Obtain an access token with the payments:write scope. See the Authentication guide.

2

Choose the funding account

Use an accountRef from Deposit Accounts as the source of funds.

3

Submit the payment

Provide the recipient’s email or mobile number, the amount, and an optional memo.

4

Track delivery

Poll the payment status or subscribe to notifications for updates.

{
  "fromAccountRef": "acct_884201",
  "recipient": { "type": "EMAIL", "value": "sam@example.com" },
  "amount": { "value": 45.00, "currency": "USD" },
  "memo": "Dinner last night"
}
{
  "paymentId": "snd_7c21a9",
  "status": "PENDING",
  "estimatedDelivery": "2026-04-23T18:00:00Z"
}

Payment status

StatusMeaning
PENDINGPayment initiated, awaiting delivery
DELIVEREDFunds delivered to the recipient
DECLINEDPayment could not be completed
RETURNEDRecipient did not claim the funds; money returned

Send Money transfers are typically final once delivered. Verify the recipient’s email or mobile number with the customer before submitting.

Security requirements

Requests require an OAuth 2.0 access token with the payments:write scope. High-value payments may require step-up customer authentication. See the Authentication guide.