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An intra-account transfer moves funds between general purpose accounts (GPAs) of the same user or business account holder. You can only transfer funds between a parent account and their child accounts within your card program. Both the sender and recipient accounts must be active.
Note
Intra-account transfers are only available for specific, preapproved use cases. For more information about this endpoint, contact your Marqeta representative.

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Create intra-account transfer

Action: POST
Endpoint: /peertransfers Use this endpoint to request an intra-account transfer. Add the source details to the body of the request in JSON format. When creating an intra-account transfer request, you must pass in both a token to identify the transfer sender (either sender_user_token or sender_business_token) and a token to identify the transfer recipient (either recipient_user_token or recipient_business_token). The sender and recipient objects must already exist.
Note
This feature is disabled by default and requires activation by Marqeta.This feature enables you to transfer or reallocate funds where the sender and the recipient belong to the same user within the card program. It does not allow you to transfer or reallocate funds between different users within the same card program, or between different card programs. Contact your Marqeta representative for more information.

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Request body

FieldsDescription
amount

decimal

Required		Amount of the transfer.

Allowable Values:

decimal

Format:
0.00
currency_code

string

Required		Three-digit ISO 4217 currency code.

Allowable Values:

Valid three-digit ISO 4217 currency code
memo

string

Optional		Additional descriptive text about the transfer.

Allowable Values:

1–99 chars
recipient_business_token

string

Optional		Specifies the business account holder that receives funds.

Send a GET request to /businesses to retrieve business tokens.

Allowable Values:

1–36 chars
recipient_user_token

string

Optional		Specifies the user account holder that receives funds.

Send a GET request to /users to retrieve user tokens.

Allowable Values:

1–36 chars
sender_business_token

string

Optional		Specifies the business account holder that sends funds.

Send a GET request to /businesses to retrieve business tokens.

Allowable Values:

1–36 chars
sender_user_token

string

Optional		Specifies the user account holder that sends funds.

Send a GET request to /users to retrieve user tokens.

Allowable Values:

1–36 chars
tags

string

Optional		Metadata about the intra-account transfer.

Allowable Values:

1–255 chars
token

string

Optional		Unique identifier of the intra-account transfer request.

If you do not include a token, the system will generate one automatically. This token is necessary for use in other API calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated.

Allowable Values:

1–36 chars

​
Sample request body

JSON
{
  "token": "my_intra_account_transfer_01",
  "sender_user_token": "my_user_01",
  "recipient_user_token": "my_user_01_account_2",
  "currency_code": "USD",
  "amount": 50
}

​
Response body

FieldsDescription
amount

decimal

Returned		Amount of the transfer.

Allowable Values:

decimal

Format:
0.00
currency_code

string

Returned		Three-digit ISO 4217 currency code.

Allowable Values:

Valid three-digit ISO 4217 currency code
memo

string

Conditionally returned		Additional descriptive text about the intra-account transfer.

Allowable Values:

1–99 chars
recipient_business_token

string

Conditionally returned		Specifies the business account holder that receives funds.

Allowable Values:

1–36 chars
recipient_user_token

string

Conditionally returned		Specifies the user account holder that receives funds.

Allowable Values:

1–36 chars
sender_business_token

string

Conditionally returned		Specifies the business account holder that sends funds.

Allowable Values:

1–36 chars
sender_user_token

string

Conditionally returned		Specifies the user account holder that sends funds.

Allowable Values:

1–36 chars
tags

string

Conditionally returned		Metadata about the intra-account transfer.

Allowable Values:

1–255 chars
token

string

Returned		Unique identifier of the intra-account transfer request.

Allowable Values:

1–36 chars

​
Sample response body

JSON
{
  "token": "my_intra_account_transfer_01",
  "amount": 50,
  "currency_code": "USD",
  "sender_user_token": "my_user_01",
  "recipient_user_token": "my_user_01_account_2",
  "created_time": "2023-03-11T19:15:01Z"
}

​
List intra-account transfers by account holder

Action: GET
Endpoint: /peertransfers/user/{user_or_business_token} Use this endpoint to list intra-account transfers sent or received by a given account holder. Include a user or business token as a path parameter to identify the account holder whose transfers you want to list. This endpoint supports field filtering and pagination.

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URL path parameters

FieldsDescription
user_or_business_token

string

Required		Existing user or business token.

Send a GET request to /users to retrieve user tokens or to /businesses to retrieve business tokens.

Allowable Values:

Existing user or business resource token

​
URL query parameters

FieldsDescription
count

integer

Optional		Number of intra-account transfer resources to retrieve.

Allowable Values:

1-50

Default value:
25
start_index

integer

Optional		Sort order index of the first resource in the returned array.

Allowable Values:

Any integer

Default value:
0
fields

string

Optional		Comma-delimited list of fields to return (field_1,field_2, and so on). Leave blank to return all fields.

Allowable Values:

Comma-delimited list of fields, or blank

​
Response body

FieldsDescription
amount

decimal

Returned		Amount of the transfer.

Allowable Values:

decimal

Format:
0.00
currency_code

string

Returned		Three-digit ISO 4217 currency code.

Allowable Values:

Valid three-digit ISO 4217 currency code
memo

string

Conditionally returned		Additional descriptive text about the intra-account transfer.

Allowable Values:

1–99 chars
recipient_business_token

string

Conditionally returned		Specifies the business account holder that receives funds.

Allowable Values:

1–36 chars
recipient_user_token

string

Conditionally returned		Specifies the user account holder that receives funds.

Allowable Values:

1–36 chars
sender_business_token

string

Conditionally returned		Specifies the business account holder that sends funds.

Allowable Values:

1–36 chars
sender_user_token

string

Conditionally returned		Specifies the user account holder that sends funds.

Allowable Values:

1–36 chars
tags

string

Conditionally returned		Metadata about the intra-account transfer.

Allowable Values:

1–255 chars
token

string

Returned		Unique identifier of the intra-account transfer request.

Allowable Values:

1–36 chars

​
Sample response body

JSON
{
  "count": 1,
  "start_index": 0,
  "end_index": 2,
  "is_more": false,
  "data[]": null,
  "token": "my_intra_account_transfer_01",
  "amount": 40,
  "currency_code": "USD",
  "sender_user_token": "my_user_01",
  "recipient_user_token": "my_user_01_account_2",
  "created_time": "2023-03-11T20:41:27Z"
}

​
List received intra-account transfers

Action: GET
Endpoint: /peertransfers/user/{user_or_business_token}/recipient Use this endpoint to list intra-account transfers sent by an account holder. Include a user or business token as a path parameter to identify the recipient. This endpoint supports field filtering and pagination.

​
URL path parameters

FieldsDescription
user_or_business_token

string

Required		Existing user or business token.

Send a GET request to /users to retrieve user tokens or to /businesses to retrieve business tokens.

Allowable Values:

Existing user or business resource token

​
URL query parameters

FieldsDescription
count

integer

Optional		Number of intra-account transfer resources to retrieve.

Allowable Values:

1-50

Default value:
25
start_index

integer

Optional		Sort order index of the first resource in the returned array.

Allowable Values:

Any integer

Default value:
0
fields

string

Optional		Comma-delimited list of fields to return (field_1,field_2, and so on). Leave blank to return all fields.

Allowable Values:

Comma-delimited list of fields, or blank

​
Response body

FieldsDescription
amount

decimal

Returned		Amount of the transfer.

Allowable Values:

decimal

Format:
0.00
currency_code

string

Returned		Three-digit ISO 4217 currency code.

Allowable Values:

Valid three-digit ISO 4217 currency code
memo

string

Conditionally returned		Additional descriptive text about the intra-account transfer.

Allowable Values:

1–99 chars
recipient_business_token

string

Conditionally returned		Specifies the business account holder that receives funds.

Allowable Values:

1–36 chars
recipient_user_token

string

Conditionally returned		Specifies the user account holder that receives funds.

Allowable Values:

1–36 chars
sender_business_token

string

Conditionally returned		Specifies the business account holder that sends funds.

Allowable Values:

1–36 chars
sender_user_token

string

Conditionally returned		Specifies the user account holder that sends funds.

Allowable Values:

1–36 chars
tags

string

Conditionally returned		Metadata about the intra-account transfer.

Allowable Values:

1–255 chars
token

string

Returned		Unique identifier of the intra-account transfer request.

Allowable Values:

1–36 chars

​
Sample response body

JSON
{
  "count": 3,
  "start_index": 0,
  "end_index": 2,
  "is_more": false,
  "data[]": null,
  "token": "my_intra_account_transfer_01",
  "amount": 40,
  "currency_code": "USD",
  "sender_user_token": "my_user_01",
  "recipient_user_token": "my_user_01_account_2",
  "created_time": "2023-03-11T20:41:27Z"
}

​
List sent intra-account transfers

Action: GET
Endpoint: /peertransfers/user/{user_or_business_token}/sender Use this endpoint to list intra-account transfers sent by an account holder. Include a user or business token as a path parameter to identify the sender. This endpoint supports field filtering and pagination.

​
URL path parameters

FieldsDescription
user_or_business_token

string

Required		Existing user or business token.

Send a GET request to /users to retrieve user tokens or to /businesses to retrieve business tokens.

Allowable Values:

Existing user or business resource token

​
URL query parameters

FieldsDescription
count

integer

Optional		Number of intra-account transfer resources to retrieve.

Allowable Values:

1-50

Default value:
25
start_index

integer

Optional		Sort order index of the first resource in the returned array.

Allowable Values:

Any integer

Default value:
0
fields

string

Optional		Comma-delimited list of fields to return (field_1,field_2, and so on). Leave blank to return all fields.

Allowable Values:

Comma-delimited list of fields, or blank

​
Response body

FieldsDescription
amount

decimal

Returned		Amount of the transfer.

Allowable Values:

decimal

Format:
0.00
currency_code

string

Returned		Three-digit ISO 4217 currency code.

Allowable Values:

Valid three-digit ISO 4217 currency code
memo

string

Conditionally returned		Additional descriptive text about the intra-account transfer.

Allowable Values:

1–99 chars
recipient_business_token

string

Conditionally returned		Specifies the business account holder that receives funds.

Allowable Values:

1–36 chars
recipient_user_token

string

Conditionally returned		Specifies the user account holder that receives funds.

Allowable Values:

1–36 chars
sender_business_token

string

Conditionally returned		Specifies the business account holder that sends funds.

Allowable Values:

1–36 chars
sender_user_token

string

Conditionally returned		Specifies the user account holder that sends funds.

Allowable Values:

1–36 chars
tags

string

Conditionally returned		Metadata about the intra-account transfer.

Allowable Values:

1–255 chars
token

string

Returned		Unique identifier of the intra-account transfer request.

Allowable Values:

1–36 chars

​
Sample response body

JSON
{
  "count": "3,",
  "start_index": 0,
  "end_index": 2,
  "is_more": false,
  "data[]": null,
  "token": "my_intra_account_transfer_01",
  "amount": 40,
  "currency_code": "USD",
  "sender_user_token": "my_user_01",
  "recipient_user_token": "my_user_01_account_2",
  "created_time": "2023-05-11T20:41:27Z"
}

​
Retrieve intra-account transfer

Action: GET
Endpoint: /peertransfers/{token} Use this endpoint to retrieve an intra-account transfer request. Include the intra-account transfer token as a path parameter in the URL to identify the intra-account transfer to return.

​
URL path parameters

FieldsDescription
token

string

Required		Unique identifier of the intra-account transfer.

Allowable Values:

Existing intra-account transfer token

​
Response body

FieldsDescription
amount

decimal

Returned		Amount of the transfer.

Allowable Values:

decimal

Format:
0.00
currency_code

string

Returned		Three-digit ISO 4217 currency code.

Allowable Values:

Valid three-digit ISO 4217 currency code
memo

string

Conditionally returned		Additional descriptive text about the intra-account transfer.

Allowable Values:

1–99 chars
recipient_business_token

string

Conditionally returned		Specifies the business account holder that receives funds.

Allowable Values:

1–36 chars
recipient_user_token

string

Conditionally returned		Specifies the user account holder that receives funds.

Allowable Values:

1–36 chars
sender_business_token

string

Conditionally returned		Specifies the business account holder that sends funds.

Allowable Values:

1–36 chars
sender_user_token

string

Conditionally returned		Specifies the user account holder that sends funds.

Allowable Values:

1–36 chars
tags

string

Conditionally returned		Metadata about the intra-account transfer.

Allowable Values:

1–255 chars
token

string

Returned		Unique identifier of the intra-account transfer request.

Allowable Values:

1–36 chars

​
Sample response body

JSON
{
  "token": "my_intra_account_transfer_01",
  "amount": 50,
  "currency_code": "USD",
  "sender_user_token": "my_user_01",
  "recipient_user_token": "my_user_01_account_2",
  "created_time": "2023-03-11T19:15:01Z"
}

Related topics

Program TransfersSimulations 2.0 — Card TransactionsTransactions OverviewFunding via ACHTransactions