Send money to a saved bank account

Send money from a Fluz cash balance to a bank account you already added. The money goes out over standard ACH.

Overview

This moves money out of Fluz to a US bank account that belongs to someone else, for example a contractor, a vendor, or a friend. The recipient does not need a Fluz account. Why use it:

Pay anyone with a US bank account. The recipient only needs a routing and account number. They do not sign up for Fluz.
Pay from your Fluz balance. The money comes from one of the account’s cash balances, so there is no separate funding step.
Safe to retry. Every payment carries an idempotency key, so a network retry never sends the money twice.
Clear cost up front. The response shows the fee and the total debited from the balance.

How it works:

Add the recipient’s bank account with createExternalPayee.
Call createExternalPayout with the saved bank account, the source cash balance, and the amount.
Fluz debits the cash balance right away and returns the payment with status PENDING.
The money is sent to the recipient’s bank in the next standard ACH file.

One operation sends money:

createExternalPayout - Send money to a saved bank account

This is for sending money to someone else’s bank account. To move money to the user’s own bank account, use withdrawals. To send money to another Fluz account, see Send money to a Fluz account. To pay someone by email or phone, use sendMoney.

createExternalPayout

Send money from one of the authenticated user’s cash balances to a saved bank account over ACH.

Mutation (CreateExternalPayoutInput)

createExternalPayout(input: CreateExternalPayoutInput!): ExternalPayoutResult

Requires: MAKE_PAYOUT_TRANSFER_SEND scope.

Input

Field	Type	Required	Description
idempotencyKey	UUID!	Yes	A unique key for this payment. Reuse the same key only when retrying the same request.
externalPayeeId	UUID!	Yes	The saved bank account to pay. Must belong to the authenticated user’s account.
sourceCashBalanceId	UUID!	Yes	The cash balance to debit. Must belong to the authenticated user’s account and be active.
amount	Float!	Yes	The amount the recipient receives, in USD. Greater than 0, at most two decimal places. The fee is charged on top.
acknowledgeReview	Boolean	No	Set to `true` to send to a bank account whose `status` is `REVIEW`, after the user confirms. Without it, the payment is refused with `PT-0009`. Has no effect on a bank account that is not under review.

Response (ExternalPayoutResult)

Field	Type	Description
transferId	ID!	The payment ID
externalPayeeId	ID!	The bank account that was paid
amount	Float!	The amount the recipient receives
fee	Float!	The fee charged on top of the amount
totalDebited	Float!	`amount + fee`. The total taken from the source cash balance.
status	ExternalPayoutStatus!	Always `PENDING` when the payment is created

Example

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
	  externalPayeeId
	  amount
	  fee
	  totalDebited
	  status
	}
}

Success:

{
	"data": {
	  "createExternalPayout": {
	    "transferId": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
	    "externalPayeeId": "3f1c2b7e-8d4a-4c1e-9f2a-6b5d4e3c2a10",
	    "amount": 100,
	    "fee": 1.5,
	    "totalDebited": 101.5,
	    "status": "PENDING"
	  }
	}
}

The fee in this example is for illustration only. Always use the fee and totalDebited values returned in the response. Insufficient balance:

{
	"errors": [
	  {
	    "message": "The sender does not have sufficient balance to complete this transfer.",
	    "extensions": { "code": "PT-0007" }
	  }
	]
}

Error Codes

Code	Description
ARG-0002	A required field is missing, or `amount` is not greater than 0
ARG-0001	Invalid input. For example: `idempotencyKey` is not a UUID, the bank account was not found or cannot be paid, the source cash balance is not active, or the idempotency key was already used for a different request.
PT-0001	Daily limit exceeded
PT-0002	Weekly limit exceeded
PT-0003	Monthly limit exceeded
PT-0004	Yearly limit exceeded
PT-0005	Amount is below the minimum
PT-0006	Amount is above the maximum
PT-0007	Not enough balance to cover the amount plus the fee
PT-0008	Part of the balance is still clearing. Lower the amount and try again.
PT-0009	The bank account is under review. Confirm with the user, then resend with `acknowledgeReview: true`.
G-0003	Sending money to bank accounts is not enabled on this account, or the payment could not be authorized
G-0004	The payment could not be completed
G-0001	Server error

Payment status

ExternalPayoutStatus lists the possible states of a payment.

Status	Description
PENDING	The payment was created and the balance was debited. The money has not left Fluz yet.
PROCESSING	The payment is being processed
COMPLETED	The payment is complete
FAILED	The payment failed
FAILED_INITIAL	The payment failed when it was first submitted
CANCELED	The payment was cancelled before it was sent
REFUNDED	The amount was returned to the cash balance
RETURNED	The recipient’s bank returned the payment

createExternalPayout always returns PENDING. The API does not currently provide a query to check a payment’s status after it is created.

Important Notes

Which balance pays

The payment is debited from the cash balance you pass as sourceCashBalanceId.
Rewards balance and prepayment / gift card balance can’t fund it.

Funds and timing

The cash balance is debited the totalDebited amount immediately when the mutation succeeds.
Payments use standard ACH. Same-day and expedited ACH are not available.
Money leaves Fluz in the next ACH file. Arrival time depends on ACH processing and the recipient’s bank.

Fees and limits

The fee is set by Fluz and is added on top of amount. The recipient receives the full amount.
Daily, weekly, monthly, and yearly limits, plus minimum and maximum amounts, apply per account. When a limit is reached, the request fails with a PT- error code.
Funds that are still clearing cannot be sent.

Idempotency

Send a new UUID for each new payment.
If a request times out, retry with the same key and the same input. You get the original result back and the money is not sent twice.
A key used with a different amount, source balance, or bank account is rejected.
Idempotency keys are shared across all transfer types. A key already used for another kind of transfer cannot be reused here.

Saved bank accounts

The bank account must still be saved on the account. Removed bank accounts cannot be paid.
A bank account with status: REVIEW can be paid only with acknowledgeReview: true.
Some bank accounts cannot receive payments. In that case the request fails with ARG-0001.

Returned payments

If the recipient’s bank rejects the payment, for example because the account is closed, the money is returned to the source cash balance.

​Overview

​createExternalPayout

​Mutation (CreateExternalPayoutInput)

​Input

​Response (ExternalPayoutResult)

​Example

​Error Codes

​Payment status

​Important Notes

​Which balance pays

​Funds and timing

​Fees and limits

​Idempotency

​Saved bank accounts

​Returned payments

Overview

createExternalPayout

Mutation (CreateExternalPayoutInput)

Input

Response (ExternalPayoutResult)

Example

Error Codes

Payment status

Important Notes

Which balance pays

Funds and timing

Fees and limits

Idempotency

Saved bank accounts

Returned payments