{
  "id": "pmt_VeCfmkwGKb",
  "source": "acc_hmap9mbgfLcf9",
  "destination": "acc_YXDrjADGjC76U",
  "amount": 5000,
  "description": "Loan Pmt",
  "status": "pending",
  "estimated_completion_date": "2024-03-21",
  "source_trace_id": null,
  "source_settlement_date": "2024-03-15",
  "source_status": "pending",
  "destination_trace_id": null,
  "destination_settlement_date": "2024-03-21",
  "destination_payment_method": "paper",
  "destination_status": "pending",
  "reversal_id": null,
  "fee": null,
  "error": null,
  "metadata": null,
  "created_at": "2024-03-14T16:15:26.074Z",
  "updated_at": "2024-03-14T16:15:26.074Z"
}

A Payment is the transfer of funds from a source checking or savings bank account to a destination credit card, auto loan, mortgage, student loan, and more.

All Payments are processed electronically between the source and destination, and take 2-3 business days depending on the receiving financial institution.

​
Cutoff Times

Payments are processed on business days (Monday - Friday), excluding US Banking Holidays.

  • Source processing windows: 10:30 AM, 1:30 PM, and 4:30 PM CST
  • Destination processing windows: 1:30 PM CST

​
Payment Objects

​
id
string

Unique identifier for the Payment.

​
source
string

The ID of an Account from which the Payment funds will be retrieved.

​
destination
string

The ID of an Account where the Payment funds will be sent to.

​
amount
number

The amount, in cents, of the Payment. (e.g. $1.00 = 100)

​
description
string

The Payment's description (maximum of 10 characters).

​
status
enum

Status of the Payment.

​
estimated_completion_date
string | null

An estimated date, in ISO 8601 format (YYYY-MM-DD), on which the Payment should be completed.

​
source_trace_id
string | null

The underlying ID for the bank transaction on the source Account relating to this Payment.

​
source_settlement_date
string | null

An estimated date, in ISO 8601 format (YYYY-MM-DD), on which the funds pulled from the source Account will be completed.

​
source_status
enum

The status of the pulling of funds from the source Account.

​
destination_trace_id
string | null

The underlying ID for the bank transaction on the destination Account relating to this Payment.

​
destination_payment_method
enum

The payment method used to process the Payment.

​
destination_settlement_date
string | null

An estimated date, in ISO 8601 format (YYYY-MM-DD), on which the funds sent to the destination Account will be completed.

​
destination_status
enum

The status of the push of funds to the destination Account.

​
reversal_id
string | null

The ID of an active Reversal.

​
fee
object | null

Payment fee information. If provided, the Payment will incur a fee whichwill be deducted from the total amount received by the destination Account.

​
fund_status
enum

A status indicating the flow of funds throughout the lifecycle of the Payment.

​
error
object | null

An object representing an error that occurred while processing this Payment. See Payment errors.

​
metadata
object | null

Additional data provided during creation. See metadata

​
created_at
string

Timestamp of when the Payment was created.

​
updated_at
string

Timestamp of when the Payment was last updated.

{
  "id": "pmt_VeCfmkwGKb",
  "source": "acc_hmap9mbgfLcf9",
  "destination": "acc_YXDrjADGjC76U",
  "amount": 5000,
  "description": "Loan Pmt",
  "status": "pending",
  "estimated_completion_date": "2024-03-21",
  "source_trace_id": null,
  "source_settlement_date": "2024-03-15",
  "source_status": "pending",
  "destination_trace_id": null,
  "destination_settlement_date": "2024-03-21",
  "destination_payment_method": "paper",
  "destination_status": "pending",
  "reversal_id": null,
  "fee": null,
  "error": null,
  "metadata": null,
  "created_at": "2024-03-14T16:15:26.074Z",
  "updated_at": "2024-03-14T16:15:26.074Z"
}