Send money to a bank account

Send money from a Fluz account to someone else’s US bank account, such as a contractor, a vendor or a friend.

The recipient does not need a Fluz account. You only need their routing and account number.
The money is sent over standard ACH.
The money comes from a cash balance (spend account) on the sender’s Fluz account.

This is one of three ways to send money. See the Send money overview to compare them.

How it works

It takes two steps: add the recipient’s bank account, then send the money.

Add a new bank account

Call createExternalPayee with the routing number, account number, holder name, holder type (INDIVIDUAL or BUSINESS) and the holder’s email. Fluz checks the routing number and returns an externalPayeeId. Store it. You never send the bank details again.

mutation {
  createExternalPayee(
    input: {
      routingNumber: "021000021"
      accountNumber: "123456789"
      holderName: "Jane Doe"
      holderType: INDIVIDUAL
      emailAddress: "jane@example.com"
    }
  ) {
    externalPayeeId
    status
    destinationAccountNumberLastFour
  }
}

Full reference: Add a new bank account

Send the money

Call createExternalPayout with the externalPayeeId, the cash balance to debit and the amount.

mutation {
  createExternalPayout(
    input: {
      idempotencyKey: "550e8400-e29b-41d4-a716-446655440020"
      externalPayeeId: "3f1c2b7e-8d4a-4c1e-9f2a-6b5d4e3c2a10"
      sourceCashBalanceId: "aaaaaaaa-bbbb-4ccc-8ddd-eeeeeeeeeeee"
      amount: 100.00
    }
  ) {
    transferId
    amount
    fee
    totalDebited
    status
  }
}

Fluz debits totalDebited (the amount plus the fee) from the cash balance right away and returns the payout as PENDING. The money goes out in the next standard ACH file. The recipient receives the full amount.Full reference: Send money

You add a bank account once and can pay it again any time. Saved bank accounts belong to the Fluz account, so every authorized user on it sees the same list. List them with externalPayees.

Which balance pays

Balance	Can fund it?
Cash balance (spend account)	Yes. Pass it as `sourceCashBalanceId`.
Rewards balance	No
Prepayment / gift card balance	No

Good to know

Fee on top. The fee is added to the amount, not taken out of it. Use the fee and totalDebited values in the response.
Standard ACH only. Same-day and expedited ACH are not available. Arrival time depends on the recipient’s bank.
Limits. Daily, weekly, monthly and yearly limits apply per account, plus a minimum and maximum per payment. A request over a limit fails with a PT- error code.
Bank accounts under review. If a bank returned an earlier payment, that bank account may show status: REVIEW. A payment to it is refused with PT-0009 until you confirm with the user and resend with acknowledgeReview: true.
Returned payments. If the recipient’s bank rejects the payment, for example because the account is closed, the money goes back to the source cash balance.
Not your own account. You can’t add a bank account that belongs to the sender’s own Fluz account. To move money to the user’s own bank, use a withdrawal.

Or: pay them as a Fluz user

If the recipient is, or is willing to become, a Fluz user, you can pay them inside Fluz instead. They then withdraw to their own bank account, debit card or PayPal. This is the better fit for people you pay again and again, because they choose where the money goes and can get it faster.

The fastest way: send to their email or phone. Call sendMoney with the recipient’s email address or phone number. If they’re already on Fluz with that contact verified, the money lands right away. If not, Fluz holds it and sends them a link, and they create their Fluz account, pass KYC and claim it. You don’t build any onboarding. Holding money for someone not yet on Fluz must be turned on for the sending account. Ask your account team.

To onboard the recipient as your own user instead, build it from the same operations you use for any customer:

Create the user

Create a Fluz account for the recipient with registerUser, then have them authorize your application so you can act for them. Authorization comes before verification. → Register customers

Verify their identity (KYC)

Run KYC with verifyUserInformation, send a document verification link, or let the widget do it. → Verify customers

Add a funding source

Link where the recipient wants to receive money. These are also their withdrawal destinations.

Bank account: through Plaid with createPlaidLinkToken and completePlaidLink. → Linking bank account via Plaid
Debit card: with addBankCard, or the secure card input so the card number never touches your servers. → Add bank card
PayPal: through the FUNDING_SOURCE step of the Enrollment widget.

Send the money and withdraw

Send the money to the user with createTransfer. The user then withdraws it with withdrawCashBalance: BANK_ACH to their bank, BANK_CARD to push to their debit card, or PAYPAL. → Withdraw to external accountTo do both in one call from your application, use createPayout with payoutType: WITHDRAW.

The Enrollment widget can run the KYC and funding source steps for you in one hosted flow, right after the user authorizes your application.

Which path to use

	Send money to a bank account	Send to their email or phone	Onboard them as your user
Recipient signs up	No	Yes, on the Fluz claim page, unless already on Fluz	Yes, through your registration flow
What you need	Routing and account number	Email address or phone number	Their details to register them, or a widget link
Who runs KYC	Nobody	Fluz, at claim	You, through the API or widget
Where the money can go	Their US bank account	Their Fluz balance, then out by bank, debit card, PayPal or Venmo	Their Fluz balance, then out by bank, debit card, PayPal or Venmo
Speed to their bank	Standard ACH	Push to card can be instant	Push to card can be instant
Best for	One-off or occasional recipients	Paying someone new with the least work	Recipients you manage inside your product

Requirements at a glance

Operation	Auth	Scope
`createExternalPayee`, `externalPayees`	Bearer token	`MAKE_PAYOUT_TRANSFER_SEND`
`createExternalPayout`	Bearer token	`MAKE_PAYOUT_TRANSFER_SEND`

Not the same as a withdrawal or a transfer to a Fluz account.To move money to the user’s own bank account, use withdrawals. To send money to someone who already has a Fluz account, see Send money to a Fluz account. To pay someone by email or phone, use sendMoney.

​How it works

​Which balance pays

​Good to know

​Or: pay them as a Fluz user

​Which path to use

​Requirements at a glance

How it works

Which balance pays

Good to know

Or: pay them as a Fluz user

Which path to use

Requirements at a glance