curl --request POST \
--url https://platform.swipelux.com/v3/transfers \
--header 'Content-Type: application/json' \
--header 'Idempotency-Key: <idempotency-key>' \
--header 'X-API-Key: <api-key>' \
--data '
{
"quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc"
}
'{
"data": {
"id": "tr_6dV8xN2pQ4rT7mA9sL1kBc",
"origin": "quoted",
"quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc",
"customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
"capabilityId": "ach_pooled",
"openTaskIds": [],
"institutionId": "jpmorgan",
"externalId": "your-transfer-ref-123",
"method": "ach",
"direction": "fiat_to_stablecoin",
"state": "awaiting_funds",
"stateDetail": null,
"amounts": {
"in": {
"amount": "150.00",
"currency": "USD"
},
"out": {
"amount": "145.00",
"currency": "USDC",
"network": "base"
}
},
"fees": [
{
"beneficiary": "developer",
"amount": "0.88",
"currency": "USDC",
"rule": {
"fixed": "0.50",
"bips": 25
}
},
{
"beneficiary": "service",
"amount": "4.12",
"currency": "USDC"
}
],
"source": {
"type": "external"
},
"destination": {
"type": "account",
"id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
},
"references": {
"returnedTransferId": null
},
"memo": "Invoice 118",
"instructions": {
"type": "bank",
"method": "ach",
"amount": {
"amount": "150.00",
"currency": "USD"
},
"accountHolderName": "Swipelux FBO Customer",
"accountHolderAddress": "8 The Green, Dover, DE",
"bankName": "JPMorgan Chase",
"bankAddress": "383 Madison Avenue, New York, NY",
"details": {
"routingNumber": "021000021",
"accountNumber": "123456789",
"accountType": "checking"
},
"reference": {
"value": "SWX-7F3P",
"required": true
}
},
"timestamps": {
"createdAt": "2026-06-25T12:01:00.000Z",
"updatedAt": "2026-06-25T12:01:00.000Z",
"fundsReceivedAt": null,
"completedAt": null,
"failedAt": null,
"returnedAt": null,
"settledAt": null
}
}
}Create transfer (executes a quote)
Executes the selected quote without intentionally re-pricing it. Execution can still fail validation, balance, destination, rail, or provider checks. For card checkouts, optional checkoutMethod pre-selects a checkout method; availability and final fees are confirmed in checkout. Other routes reject this option.
curl --request POST \
--url https://platform.swipelux.com/v3/transfers \
--header 'Content-Type: application/json' \
--header 'Idempotency-Key: <idempotency-key>' \
--header 'X-API-Key: <api-key>' \
--data '
{
"quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc"
}
'{
"data": {
"id": "tr_6dV8xN2pQ4rT7mA9sL1kBc",
"origin": "quoted",
"quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc",
"customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
"capabilityId": "ach_pooled",
"openTaskIds": [],
"institutionId": "jpmorgan",
"externalId": "your-transfer-ref-123",
"method": "ach",
"direction": "fiat_to_stablecoin",
"state": "awaiting_funds",
"stateDetail": null,
"amounts": {
"in": {
"amount": "150.00",
"currency": "USD"
},
"out": {
"amount": "145.00",
"currency": "USDC",
"network": "base"
}
},
"fees": [
{
"beneficiary": "developer",
"amount": "0.88",
"currency": "USDC",
"rule": {
"fixed": "0.50",
"bips": 25
}
},
{
"beneficiary": "service",
"amount": "4.12",
"currency": "USDC"
}
],
"source": {
"type": "external"
},
"destination": {
"type": "account",
"id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
},
"references": {
"returnedTransferId": null
},
"memo": "Invoice 118",
"instructions": {
"type": "bank",
"method": "ach",
"amount": {
"amount": "150.00",
"currency": "USD"
},
"accountHolderName": "Swipelux FBO Customer",
"accountHolderAddress": "8 The Green, Dover, DE",
"bankName": "JPMorgan Chase",
"bankAddress": "383 Madison Avenue, New York, NY",
"details": {
"routingNumber": "021000021",
"accountNumber": "123456789",
"accountType": "checking"
},
"reference": {
"value": "SWX-7F3P",
"required": true
}
},
"timestamps": {
"createdAt": "2026-06-25T12:01:00.000Z",
"updatedAt": "2026-06-25T12:01:00.000Z",
"fundsReceivedAt": null,
"completedAt": null,
"failedAt": null,
"returnedAt": null,
"settledAt": null
}
}
}Authorizations
Your Swipelux API key. Obtain this from the Swipelux Dashboard.
Headers
Required for effectful v3 requests (POST, PATCH, PUT, DELETE). Reuse the same key with the same body to replay the cached response.
1 - 255Body
^quo_[a-zA-Z0-9]+$"quo_6dV8xN2pQ4rT7mA9sL1kBc"
Requested checkout method for a card-capability transfer, pre-selected in the provider-hosted checkout. Availability depends on the customer, device and provider; other available methods remain selectable. Checkout confirms final fees. Omit to retain the existing pre-selection. This is not confirmation of the method actually used. Open enum — values are added over time; clients must tolerate unknown values.
card, apple_pay, google_pay, cash_app, sepa, blik Absolute HTTPS URL, without embedded credentials, opened after a card or Apple Pay checkout that supports return navigation. Navigation to this URL is not confirmation that the transfer completed; use transfer lifecycle reads or webhooks for completion.
2048^[hH][tT][tT][pP][sS]://"https://merchant.example/payments/complete"
Merchant-supplied correlation reference echoed on reads and filterable on GET /v3/transfers. Not required to be unique; independent of the quote's externalId.
1 - 255"your-transfer-ref-123"
Free-text memo stored on the transfer resource.
1 - 140"Invoice 118"
Up to 10 document ids previously uploaded for this customer and linked to the transfer.
10^doc_[a-zA-Z0-9]+$["doc_4rT7mA9sL1kBc6dV8xN2pQ"]
Response
Transfer created
Show child attributes
Show child attributes