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Work in progressThis section is currently under active development as part of improvements planned for 2026. Content may change as we expand product capabilities.If you’re interested in early access or want to learn more about what’s coming, feel free to reach out to the team.
Create a new EFT transaction with optional recurring schedule. Supports both debit (collect from customer) and credit (send to customer) directions. The request body is a JSON array containing one transaction object. Batch transactions are not currently supported.

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Validation Rules

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DEBIT Transactions

  • payor is required; payee must be null
  • startDate must be a future date
  • OneTime: only startDate is required
  • Recurring: startDate plus exactly one of endDate or transactionsCount
    • endDate must be after startDate
    • transactionsCount maximum is 300

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CREDIT Transactions

  • payee is required; payor must be null
  • Only OneTime frequency is supported
  • startDate must be today’s date (same-day processing only)

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Account Info Logic

Provide either accountId or the combination of institutionCode + transitNumber + accountNumber. You cannot provide both.

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Contact Info Logic

Provide either contactId or name fields (firstName + lastName, or legalName). You cannot provide both.