Card Funding & Unfunding

Card Funding

Transfer money from a deposit account into a card.

Sample request and response payloads are given below:

{
    "data": {
        "type": "CardTransfer",
        "attributes": {
            "amount": 200,
            "reference": "32423432423",
            "currency":"USD",
            "metadata": {
                "org":"{{$randomUUID}}"
            }
        },
        "relationships": {
            "source": {
                "data": {
                    "id": "1781769747351133-anc_acc",
                    "type": "DepositAccount"
                }
            },
            "destination": {
                "data": {
                    "id": "17840266131572-anc_card",
                    "type": "Card"
                }
            }
        }
    }
}

{
    "data": {
        "id": "178424519311-anc_ctf",
        "type": "CardTransfer",
        "attributes": {
            "reference": "gsfsdf3",
            "reason": "fwefdsd",
            "createdAt": "2026-07-17T12:47:32",
            "amount": 100,
            "metadata": {
                "transferId": "1784519311-anc_ctf"
            },
            "currency": "USD",
            "status": "COMPLETED",
            "direction": "Unfunding",
            "updatedAt": "2026-07-17T12:47:37"
        },
        "relationships": {
            "destination": {
                "data": {
                    "id": "178177351133-anc_acc",
                    "type": "DepositAccount"
                }
            },
            "source": {
                "data": {
                    "id": "17846131572-anc_card",
                    "type": "Card"
                }
            },
            "customer": {
                "data": {
                    "id": "1782187182-anc_ind_cst",
                    "type": "Customer"
                }
            }
        }
    }
}

Card Unfunding:

Transfer money from a card back to a deposit account.

{
    "data": {
        "type": "CardTransfer",
        "attributes": {
            "amount": 500,
            "customerReference": "eddb4531-6fb5-4dd7-8acf",
            "description": "Fund transfer"
        },
        "relationships": {
            "destination": {
                "data": {
                    "id": "17785768351750-anc_card",
                    "type": "Card"
                }
            },
            "source": {
                "data": {
                    "id": "17769503679500-anc_acc",
                    "type": "DepositAccount"
                }
            }
        }
    }
}

{
    "data": {
        "id": "17785776971640-anc_fnd_out",
        "type": "FundingOutflow",
        "attributes": {
            "createdAt": "2026-05-12T10:21:38.344218",
            "amount": 2500,
            "customerReference": "eddb4531-6fb5-4dd7-8acf",
            "description": "Fund transfer",
            "sourceCurrency": "NGN",
            "status": "PENDING",
            "metadata": {
                "org":"{{$randomUUID}}"
            }
        },
        "relationships": {
            "sourceAccount": {
                "data": {
                    "id": "17769503679500-anc_acc",
                    "type": "DepositAccount"
                }
            },
            "organization": {
                "data": {
                    "id": "17019543195852-anc_og",
                    "type": "Organization"
                }
            },
            "destinationResource": {
                "data": {
                    "id": "17778941814661-anc_card",
                    "type": "Card"
                }
            }
        }
    }
}

Transfer statuses

A newly created transfer may initially be returned with pending. Clients should not treat this as a completed movement of funds.

Status	Description
Pending	The transfer has been accepted and is awaiting processing.
Completed	Money was moved successfully.
Failed	The transfer could not be completed.

Events

When you initiate a transfer from a card, the card service emits below events:


`cardTransfer.created`	The event is triggered when a transfer is initiated on a card.
`cardTransfer.completed`	This event is triggered when a transfer on a card is completed.
`cardTransfer.failed`	This event is triggered when a transfer from a card fails.

{
  "data": {
    "id": "1784292664-anc_evt",
    "type": "cardTransfer.created",
    "attributes": {
      "createdAt": "2026-07-17T12:47:31.966232473"
    },
    "relationships": {
      "cardTransfer": {
        "data": {
          "id": "1784219311-anc_ctf",
          "type": "CardTransfer"
        }
      },
      "destination": {
        "data": {
          "id": "178177351133-anc_acc",
          "type": "DepositAccount"
        }
      },
      "source": {
        "data": {
          "id": "178402572-anc_card",
          "type": "Card"
        }
      },
      "customer": {
        "data": {
          "id": "17827487182-anc_ind_cst",
          "type": "Customer"
        }
      }
    }
  }

{
  "data": {
    "id": "17842967216-anc_evt",
    "type": "cardTransfer.completed",
    "attributes": {
      "createdAt": "2026-07-17T12:47:36.721449225"
    },
    "relationships": {
      "cardTransfer": {
        "data": {
          "id": "17842519311-anc_ctf",
          "type": "CardTransfer"
        }
      },
      "destination": {
        "data": {
          "id": "1781351133-anc_acc",
          "type": "DepositAccount"
        }
      },
      "source": {
        "data": {
          "id": "178401572-anc_card",
          "type": "Card"
        }
      },
      "customer": {
        "data": {
          "id": "17833322782-anc_ind_cst",
          "type": "Customer"
        }
      }
    }
  }

{
  "data": {
    "id": "1784237413-anc_evt",
    "type": "cardTransfer.failed",
    "attributes": {
      "createdAt": "2026-07-16T17:00:26.374303753",
      "failureReason": "Failed to move funds via organization service"
    },
    "relationships": {
      "cardTransfer": {
        "data": {
          "id": "1784220275-anc_ctf",
          "type": "CardTransfer"
        }
      },
      "destination": {
        "data": {
          "id": "1781770485136-anc_acc",
          "type": "DepositAccount"
        }
      },
      "source": {
        "data": {
          "id": "17840231572-anc_card",
          "type": "Card"
        }
      },
      "customer": {
        "data": {
          "id": "1782747182-anc_ind_cst",
          "type": "Customer"
        }
      }
    }
  }