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APIs/Money Transfers/
Make a money transfer

Last updated: 19 October 2026 | Change log

Make a money transfer

Push funds to a card.

Money transfer request

Withdraw funds from a digital wallet by sending a request to our moneyTransfers:pushToCard action link received in your root resource response request.

Push to card money transfer is currently available for Visa money transfers via Visa Direct and Mastercard Send.

POST https://try.access.worldpay.com/moneyTransfers/pushToCard

Push to card money transfer request body:

{
    "transactionReference":"Memory265-13/08/1876",
    "merchant":{
        "entity":"default"
    },
    "instruction":{
        "narrative":{
            "line1":"line1",
            "line2":"line2"
        },
        "value":{
            "amount":100,
            "currency":"GBP"
        },
        "recipient":{
            "firstName":"firstName",
            "lastName":"lastName",
            "paymentInstrument":{
                "type":"card/plain",
                "cardHolderName":"name",
                "cardNumber":"4300011000000006",
                "cardExpiryDate":{
                    "month":12,
                    "year":2040
                },
                "cvc": "123",
                "billingAddress":{
                    "address1":"address1",
                    "address2":"address2",
                    "address3":"address3",
                    "postalCode":"AB1 2CD",
                    "city":"city",
                    "state":"state",
                    "countryCode":"GB"
                }
            }
        }, 
        "sender":{
            "fundReference":"fundReference",
            "fundType":"nonStagedDigitalWallet"
        }
    }
}

Descriptions of your push to card money transfer request parameters:

ParameterRequiredDescription
instruction✅An object that contains all the information related to your money transfer request.
instruction.recipient.paymentInstrument✅An object that contains your recipient's money transfer details.
paymentInstrument.type✅An object that contains your recipient's money transfer type.
Possible values:
  • card/plain
  • card/tokenized
paymentInstrument.href❌An object that contains your link to an Access Token.
Mandatory for all "type": "card/tokenized" requests.
value.amount✅The money transfer amount. This is a whole number with an exponent, e.g. if exponent is two, 250 is 2.50. You can find the relevant exponent in our currency table.
value.currency✅The 3 digit currency code.
See list of supported currencies.
instruction.narrative.line1✅First line of text that appears on your customer's statement. Used to identify the merchant.
See narrative format for more details and best practices.
instruction.narrative.line2❌Second line of text that appears on your customer's statement. Used to give further details about the merchant.
See narrative format for more details and best practices.
merchant✅An object that contains information about the merchant.
merchant.entity✅Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for queries. Contact your Worldpay Implementation Manager for more information.
transactionReference✅A unique reference generated by you, used to identify a money transfer throughout its lifecycle. See transaction reference format for more details and best practices.
fundReference✅A child element of sender. Specifies a reference to the Origin account of the funds.
fundType✅A child element of sender. Specifies the type of funds being used by the sender in the transaction. Must be any of the following:
  • nonStagedDigitalWallet
paymentInstrument.cardHolderName❌An object that contains your recipient's money transfer card name.
Mandatory for all "type": "card/plain" requests.
paymentInstrument.cardExpiryDate❌An object that contains your recipient's money transfer card expiry date.
Mandatory for all "type": "card/plain" requests. This cannot be a date in the past.
paymentInstrument.cardNumber❌An object that contains your recipient's money transfer card number. Mandatory for "type": "card/plain" requests.
paymentInstrument.cvc❌An object that contains your sender's money transfer card number cvc.
Optional for all requests but increases the chances of transaction success rate if provided.
paymentInstrument.billingAddress
Note
cardHolderName and billingAddress fields are mandatory for US domiciled merchants
❌An object containing the billing address information. If included you must send at least:
  • countryCode
  • postalCode
Note
We recommend to provide billingAddress fields for all money transfer requests. If not provided, you may see increased failures.

Money transfer response

Best practice

Access Worldpay returns a WP-correlationId in the headers of service responses. We highly recommend you log this. The WP-correlationId is used by us to examine individual service requests.

In your response we return:

  • The outcome, which could be:

    • approved - Money transfer is approved.
    • requested - We have requested the money transfer.
    • pending - The money transfer request is pending and any immediate submissions will result a duplicate payment.
    • refused - This money transfer method is refused, try another card.
    • Sent for Settlement - The money transfer request is sent for settlement and the actual settlement information will come from the merchant's acquiring platform.
    • requestReceived - fastFunds is not enabled for this card.
    • error - A downstream system failed to process your request.

  • type of money transfer, which is: pushToCard

  • A timestamp of receivedAt

  • moneyTransfer resource

Example responses:

{
    "outcome": "approved",
    "type": "pushToCard",
    "receivedAt": "2022-12-09T12:34:35Z",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay.com/moneyTransfers/MjpVejhRSFRoeWxUUlhaaGVjdG9HK1J3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6MTlibFN4ZXpzZWp2eUhCOXRVaU4zbWxEdTNXcHRlc3BHbGk2TFlRZlBHTG4vcnFvdSs5SGtiZkk0c2RMWHhCWm5xRzFkamhUM1JDdGR2dGdtMlg1MFRLdk1hK09LdzBsNzJaV3NYdFVLMjA9"
        }
    }
}

Money transfer GET resource

Send a GET request to the self link, to retrieve the outcome of your money transfer request.

Example response:

GET https://try.access.worldpay.com/moneyTransfers/{resource}

{
    "outcome": "approved",
    "type": "pushToCard",
    "receivedAt": "2022-12-05T09:28:52Z",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay.com/moneyTransfers/MjpHbTRqTFNKV202L0NIeG9wZXkvTFBnPT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6VFQ3RjF1SnRtR05GVUpiMVpSK0pBdjFSSHdRVzVEbThWK29KalU1aEN6b2pVWktZQzJKWmxIaFFnZHRXOURxZnhxeU42SXk1akg1QkFkejByQXVwVVg1a0tzRmFVU1FpTHo5UEZIbDZpaG89"
        }
    }
}
Note
  • If no update is available, you will get an error. You can get further information in our error reference.
  • The response won't contain a type if the outcome is error or Sent for Settlement.