Fund account transfers with rewards

Set useRewardsBalance on the GraphQL account-to-account mutations to fund a transfer from the sender’s rewards balance. You can combine rewards with the sender’s resolved spend account in the same request. Prepayment / gift-card balance is not a field on these inputs and cannot fund the transfer. This page covers the TGS GraphQL surface only:

createTransfer (CreateTransferInput)
requestAccountTransfer (RequestAccountTransferInput)

Destination, auth, scopes, and idempotency are unchanged from Transfer to Another Fluz Account.

Not withdrawCashBalance.Withdraw to an external account uses source: CASH_BALANCE | REWARDS_BALANCE and is XOR (one source per request). Account-to-account send uses useRewardsBalance on createTransfer / requestAccountTransfer and can combine rewards with one spend account.

Mutations and scopes

Mutation	Input	Scope	Auth
`createTransfer`	`CreateTransferInput`	`MAKE_PAYOUT_TRANSFER_SEND`	Bearer, or Basic Auth on a public `ACTIVE` application
`requestAccountTransfer`	`RequestAccountTransferInput`	`REQUEST_ACCOUNT_TRANSFER`	Same auth rules as `createTransfer`

useRewardsBalance is optional on both inputs. Omit it or pass false for cash-only — the default, so existing clients do not change behavior.

Input field

`useRewardsBalance: Boolean`

When true, fund the transfer from the sender’s rewards balance in addition to the spend account TGS already resolves from the access token (or application operator for Basic Auth).

Value	What TGS does
omitted / `false`	Cash-only. Full `amount` from the sender’s spend account.
`true`	Take available cash first (up to `amount`); remainder from rewards. If available cash is `0`, the full `amount` is rewards-only.

The recipient is still credited on a spend account (destination.userCashBalanceId, or the automatically resolved cash balance). There is no GraphQL field to send rewards into another account’s rewards balance. CreateTransferInput / RequestAccountTransferInput still have no usePrepaymentBalance (or equivalent). Do not copy FluzPay purchase flags onto these mutations.

createTransfer

mutation {
  createTransfer(input: {
    idempotencyKey: "550e8400-e29b-41d4-a716-446655440010"
    amount: 25.00
    useRewardsBalance: true
    destination: {
      accountId: "b2c3d4e5-f6a7-8901-bcde-f23456789012"
    }
  }) {
    success
    message
    transferId
  }
}

Authorization: Bearer <user-oauth-token>

Same shape as a cash-only send — the only addition is useRewardsBalance: true.

With an external funding source

bankCardId, bankAccountId, and paypalVaultId remain Bearer-token only, at most one per request. They deposit into the sender’s spend account first; useRewardsBalance still applies to the transfer itself.

requestAccountTransfer

Mirrors createTransfer. Pass useRewardsBalance on the request; it is included in the payload that executes after approveApprovalRequest.

mutation {
  requestAccountTransfer(input: {
    idempotencyKey: "550e8400-e29b-41d4-a716-446655440011"
    amount: 25.00
    useRewardsBalance: true
    destination: {
      accountId: "b2c3d4e5-f6a7-8901-bcde-f23456789012"
    }
  }) {
    success
    messageId
    error {
      code
      message
    }
  }
}

Approve and decline are unchanged: approveApprovalRequest / declineApprovalRequest with MANAGE_APPROVALS. See Request Account Transfer Approval.

Errors

Failures use the standard GraphQL error envelope. createTransfer returns createTransfer: null when the send cannot complete.

{
  "data": {
    "createTransfer": null
  },
  "errors": [
    {
      "message": "Insufficient funds",
      "extensions": {
        "code": "WDR-0001",
        "name": "InsufficientBalanceError",
        "status_code": 400
      }
    }
  ]
}

Code	When
`WDR-0001`	Combined cash + rewards (or rewards alone) cannot cover `amount`. No transfer is created.
Existing `createTransfer` errors	Destination, auth, idempotency, and single-external-funding-source rules still apply.

See Transfer to Another Fluz Account for the rest of CreateTransferInput and createTransfer / CreateTransferInput in the API reference.

​Mutations and scopes

​Input field

​useRewardsBalance: Boolean

​createTransfer

​With an external funding source

​requestAccountTransfer

​Errors

Mutations and scopes

Input field

`useRewardsBalance: Boolean`

createTransfer

With an external funding source

requestAccountTransfer

Errors