> This page is for Consumer.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# Send Money

### 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

#### Authenticate

Obtain an access token with the `payments:write` scope. See the [Authentication guide](/consumer/api-docs/get-started/authentication).

#### Choose the funding account

Use an `accountRef` from [Deposit Accounts](/consumer/api-docs/accounts/deposit-accounts) as the source of funds.

#### Submit the payment

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

#### Track delivery

Poll the payment status or subscribe to [notifications](/consumer/api-docs/digital-banking/alerts) for updates.

```json
{
  "fromAccountRef": "acct_884201",
  "recipient": { "type": "EMAIL", "value": "sam@example.com" },
  "amount": { "value": 45.00, "currency": "USD" },
  "memo": "Dinner last night"
}
```

```json
{
  "paymentId": "snd_7c21a9",
  "status": "PENDING",
  "estimatedDelivery": "2026-04-23T18:00:00Z"
}
```

---

### Payment status

| Status      | Meaning                                           |
| ----------- | ------------------------------------------------- |
| `PENDING`   | Payment initiated, awaiting delivery              |
| `DELIVERED` | Funds delivered to the recipient                  |
| `DECLINED`  | Payment could not be completed                    |
| `RETURNED`  | Recipient did not claim the funds; money returned |

> **Warning**
>
> 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](/consumer/api-docs/get-started/authentication).