Initiate transfers
You can move money into your account or your client’s account by initiating transfers. Transfers let you move funds between account types. You may need to make one or more transfers to allocate funds to your account or your client’s account, depending on how you use Embedded Payments.
Platform owner accounts
Transfer funds to and from your Embedded Payments accounts
The process depends on the type of account you hold. A Treasury account is a J.P. Morgan account approved for use with Embedded Payments. You can also use a processing account, which is a J.P. Morgan account provided for Embedded Payments transactions.
If you have a processing account
- Transfer funds from your platform’s Treasury account to your processing account.
- Move funds from your Processing account to your client’s LIMITED_DDA or LIMITED_DDA_PAYMENTS account.
If you do not have a processing account
- Transfer funds directly from your platform’s Treasury account to your client’s LIMITED_DDA or LIMITED_DDA_PAYMENTS account.
This process lets you control when funds are available to your client. Your client can manage their finances as needed. For example, if your client receives payments in stages, you can move funds to their Embedded Payments account as soon as your process requires.
If you have a management account
- Transfer funds from your management account to an allowed account. For example, platform’s treasury account, limited accounts and processing accounts.
- Transfer funds to your management account from an allowed account. For example, platform’s treasury account, limited accounts and processing accounts.
This process allows you to move funds owed to you such as fee and commissions in your accounts and funds you owe to your clients.
If you have a transaction account
- Transfer funds from your platform’s treasury account to your transaction account.
- Move funds between transaction accounts in your program.
- Transfer funds between transaction accounts and the default account in your program.
This process allows you to move funds into your program structure from your operating account and allocate funds within your structure to various parties.
Sample request:
{
"transactionReferenceId": "MuwdWHRmBSv2v11",
"type": "TRANSFER",
"amount": 0.02,
"currency": "USD",
"debtor": {
"account": {
"type": "REGISTERED_ACCOUNT",
"registeredAccount": {
"id": "478039df1d5642eba5a03f0a16644f42"
}
}
},
"creditor": {
"account": {
"type": "REGISTERED_ACCOUNT",
"registeredAccount": {
"id": "7da78f8ac1344d7ba3cced4a080c72a4"
}
}
}
}
Sample response:
{
"id": "ScnxR4I3Xg4g83fN",
"transactionReferenceId": "MuwdWHRmBSv2v11",
"requestedExecutionDate": "2025-07-20"
}
Client accounts
Transfer funds to your client’s Embedded Payments account
If your client has a LIMITED_DDA account
Transferring funds to your client’s account depends on their account type. Funds in a LIMITED_DDA account are not immediately available to your client. Your platform keeps a security interest in these funds until you settle to an account your client controls.
If your client has a LIMITED_DDA_PAYMENTS account
Funds in a LIMITED_DDA_PAYMENTS account are immediately available to your client. This account accepts inbound funds from your platform and from an externally addressable account number. Your client can use this account to settle to an account they control or to make a business payment. Use the /transactions resource to make a transaction from your account to your client’s Embedded Payments account.
Sample request:
{
"transactionReferenceId": "MuwdWHRmBS10",
"type": "TRANSFER",
"amount": 10,
"currency": "USD",
"debtor": {
"account": {
"registeredAccount": {
"id": "5c743cc6413741459e2d40983ebe030a"
},
"type": "REGISTERED_ACCOUNT"
}
},
"creditor": {
"account": {
"registeredAccount": {
"id": "e3ccad773c4e4e42bdb8effe95d47122"
},
"type": "REGISTERED_ACCOUNT"
}
}
}Sample response:
{
"id": "oSLD60eQHEGSw0fs",
"transactionReferenceId": "MuwdWHRmBS10",
"requestedExecutionDate": "2025-11-13"
}