Me to Me Payouts

Me to Me payouts allow you to move funds between a customer's own payment instruments — pulling from a card or bank account and pushing to a bank account, debit card or credit card.

The flow consists of two Transfer operations:

A pull Transfer that pulls funds from the customer's source card (PULL_FROM_CARD) or bank account (PULL_FROM_ACH, or PULL_FROM_SAME_DAY_ACH).
A payout transfer that pushes funds to the customer's destination card (PUSH_TO_CARD) or bank account (PUSH_TO_ACH, PUSH_TO_SAME_DAY_ACH), linked to the completed pull transfer via pull_transfer_id.

Both transfers must use funds_flow_type: ME_TO_ME and be associated with the same Identity. The pull and payout transfer must be for the same amount.

If you have any questions about Me to Me payouts, reach out to your Finix Point of Contact or Finix Support.

Step 1: Create an Identity

The first step is creating an Identity with Sender & Recipient roles to represent the customer. The Identity resource helps manage payment instruments, payout history, and customer details. You can create either PERSONAL or BUSINESS Identities.

Required Data

Required	Optional	Invalid

Field	`type: PERSONAL`	`type: BUSINESS`
Identity Roles `identity_roles`
Type `type`
First Name `first_name`
Last Name `last_name`
Personal Address `personal_address`
Business Name `business_name`
Doing Business As `doing_business_as`
Business Address `business_address`
Business Phone `business_phone`
Personal Email `email`
Personal Phone `phone`

API Request

Personal
Business

Request Structure

post /identities

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/identities \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "entity": {
      "first_name": "Michael",
      "last_name": "Johnson",
      "personal_address": {
        "city": "Springfield",
        "country": "USA",
        "line1": "789 Oak Drive",
        "line2": null,
        "postal_code": "62704",
        "region": "IL"
      }
    },
    "identity_roles": [\
      "RECIPIENT",\
      "SENDER"\
    ],
    "type": "PERSONAL"
  }'

Example Response (Sender & Recipient)

{
  "id": "IDdRDX7H6hNcm4HexJBeZVUV",
  "created_at": "2024-08-08T09:36:10.26Z",
  "updated_at": "2024-08-08T09:36:10.26Z",
  "entity": {
    "ach_max_transaction_amount": 0,
    "amex_mid": null,
    "annual_card_volume": 0,
    "business_address": null,
    "business_name": null,
    "business_phone": null,
    "business_tax_id_provided": false,
    "business_type": null,
    "default_statement_descriptor": null,
    "discover_mid": null,
    "dob": null,
    "doing_business_as": null,
    "email": null,
    "first_name": "Michael",
    "has_accepted_credit_cards_previously": false,
    "incorporation_date": null,
    "last_name": "Johnson",
    "max_transaction_amount": 0,
    "mcc": null,
    "ownership_type": null,
    "personal_address": {
      "line1": "789 Oak Drive",
      "line2": null,
      "city": "Springfield",
      "region": "IL",
      "postal_code": "62704",
      "country": "USA"
    },
    "phone": null,
    "principal_percentage_ownership": null,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": false,
    "title": null,
    "url": null
  },
  "identity_roles": [\
    "RECIPIENT",\
    "SENDER"\
  ],
  "tags": {},
  "type": "PERSONAL",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}

Step 2: Add a Source Payment Instrument

Creating Payment Instruments and passing payment details (account number, card number, etc.) directly via the API should only be done for testing purposes and by PCI Level 1 compliant entities. If you aren't a Level 1 PCI-compliant entity, you must use our Tokenization Forms or Mobile Tokenization to accept payment details and comply with PCI regulations. If you have any questions, please don't hesitate to reach out to your Finix point of contact or email the Finix Support team.

Add a Payment Instrument for the source instrument that funds will be pulled from. This can be a card or a bank account.

API Request Structure

post /payment_instruments

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/payment_instruments \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "address": {
      "city": "San Francisco",
      "country": "USA",
      "line1": "900 Metro Center Blv",
      "postal_code": "94404",
      "region": "CA"
    },
    "expiration_month": 12,
    "expiration_year": 2029,
    "identity": "IDmj1yA97RS4rMjiQgvK3Vio",
    "name": "John Jeremy",
    "number": "5200828282828210",
    "security_code": "022",
    "type": "PAYMENT_CARD"
  }'

Example Response

{
  "id": "PI6F5kkcCB3dtGhFy1t8Aua5",
  "created_at": "2024-11-15T09:42:33.42Z",
  "updated_at": "2024-11-15T09:42:33.42Z",
  "account_updater_enabled": false,
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY",
  "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
  "instrument_type": "PAYMENT_CARD",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": null,
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "address_verification": "UNKNOWN",
  "bin": "520082",
  "brand": "MASTERCARD",
  "card_type": "DEBIT",
  "expiration_month": 12,
  "expiration_year": 2029,
  "issuer_country": "NON_USA",
  "last_four": "8210",
  "name": "John Jeremy",
  "network_token_enabled": false,
  "network_token_state": "NOT_ENABLED",
  "security_code_verification": "UNKNOWN",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "PAYMENT_CARD",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K"
    },
    "updates": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/updates"
    }
  }
}

Step 3: (Optional) Verify the Source Payment Instrument

If the source is a card, verify its eligibility for pull-from-card before proceeding. The resulting Verification resource provides card details including card type and issuer information.

API Request Structure

post /payment_instruments/{payment_instrument_id_verify}/verifications

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58/verifications \
  -H 'Content-Type: application/json' \
  -d '{
    "processor": "DUMMY_V1"
  }'

Example Response

{
  "id": "VI9cSUm3SDaLKtuL92Z34rK9",
  "created_at": "2025-11-07T20:36:16.90Z",
  "updated_at": "2025-11-07T20:36:16.92Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "identity": null,
  "merchant": null,
  "merchant_identity": null,
  "messages": [],
  "outcome_summary": null,
  "outcomes": null,
  "payment_instrument": "PIn8as75qLQFqQ7G4NdBUk58",
  "payment_instrument_verification_details": {
    "push_to_card_domestic": null,
    "push_to_card_cross_border": null,
    "card_type": null,
    "billing_currency": null,
    "issuer_country": "UNKNOWN",
    "name_verification_results": {
      "first_name_verification": "UNKNOWN",
      "last_name_verification": "UNKNOWN",
      "middle_name_verification": "UNKNOWN",
      "name_verification": "UNKNOWN"
    }
  },
  "processor": "DUMMY_V1",
  "raw": null,
  "state": "PENDING",
  "tags": {
    "card_name": "Business_Card"
  },
  "trace_id": "63eefc66-81a3-4f24-a09d-bb7650e23943",
  "type": "PAYMENT_INSTRUMENT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VI9cSUm3SDaLKtuL92Z34rK9"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "payment_instrument": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58"
    }
  }
}

Step 4: Add a Destination Payment Instrument

Add a Payment Instrument for the destination instrument that will receive the funds. Me to Me payouts are only available for bank accounts or Visa and Mastercard cards.

API Request Structure

post /payment_instruments

Example Response

Step 5: (Optional) Verify the Destination Payment Instrument

If pushing to a card you can verify the destination card's eligibility for push-to-card before sending funds.

API Request Structure

post /payment_instruments/{payment_instrument_id_verify}/verifications

Example Response

Step 6: Verify and Onboard the Account

Provision a recipient account by making a POST request to create a Merchant resource. This is the last step before you can begin sending Me to Me payouts. Once the merchant is Approved you can create a transfer to pull funds. For more information, see Recipient Verifications

API Request Structure

post /identities/{identity_id}/merchants

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/identities/IDhC29dXMAkbmr1aBpS91Hpx/merchants \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "processor": "DUMMY_V1",
    "tags": {
      "key_2": "value_2"
    }
  }'

Example Response

{
  "id": "MUeTBamsYxqr1KSnT4U2x9SP",
  "created_at": "2024-08-16T13:11:36.72Z",
  "updated_at": "2024-08-16T13:11:36.72Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "card_cvv_required": false,
  "card_expiration_date_required": true,
  "card_network_details": null,
  "convenience_charges_enabled": false,
  "country": "USA",
  "creating_transfer_from_report_enabled": true,
  "currencies": [\
    "USD"\
  ],
  "default_partial_authorization_enabled": false,
  "disbursements_ach_pull_enabled": false,
  "disbursements_ach_push_enabled": false,
  "disbursements_card_pull_enabled": false,
  "disbursements_card_push_enabled": false,
  "disbursements_same_day_ach_pull_enabled": false,
  "disbursements_same_day_ach_push_enabled": false,
  "fee_ready_to_settle_upon": "RECONCILIATION",
  "gateway": null,
  "gross_settlement_enabled": false,
  "identity": "ID6ZC4KedcaCwECQcWr7SM4m",
  "instant_payouts_card_push_enabled": false,
  "level_two_level_three_data_enabled": false,
  "loan_repayment": null,
  "mcc": "4900",
  "merchant_name": "Blue Horizon Technologies",
  "merchant_profile": "MP8aC84QAtA69Qhv6BJSyvHr",
  "mid": null,
  "onboarding_state": "PROVISIONING",
  "processing_enabled": false,
  "processor": "DUMMY_V1",
  "processor_details": {},
  "ready_to_settle_upon": "RECONCILIATION",
  "ready_to_settle_upon_delay_alignment": "NONE",
  "rent_surcharges_enabled": false,
  "settlement_enabled": false,
  "settlement_funding_identifier": "UNSET",
  "surcharges_enabled": false,
  "tags": {
    "key_2": "value_2"
  },
  "unreferenced_refund_manual_entry_enabled": false,
  "verification": "VI7jopNSiaVMXWKkhxt6dJm7",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6ZC4KedcaCwECQcWr7SM4m"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP/verifications"
    },
    "merchant_profile": {
      "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MP8aC84QAtA69Qhv6BJSyvHr"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "verification": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VI7jopNSiaVMXWKkhxt6dJm7"
    }
  }
}

Step 7: Create a Transfer to Pull Funds

Create a Transfer to pull funds from the customer's source payment instrument. Set funds_flow_type to ME_TO_ME and include the Payment Instrument ID as source.

The pull transfer must reach a state of SUCCEEDED before you can create the payout transfer. It is recommended to include an idempotency_id field in the payload. For more information, see Idempotent Requests.

API Request Structure

post /transfers

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/transfers \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "amount": 15000,
    "currency": "USD",
    "funds_flow_type": "ME_TO_ME",
    "operation_key": "PULL_FROM_CARD",
    "source": "PIveyqg2bVkKo6SHsstxBSDc"
  }'

Example Response

{
  "id": "TR3vKfwCuXmLqPsDYbGYn4NUm",
  "created_at": "2025-08-14T21:45:12.98Z",
  "updated_at": "2025-08-14T21:45:12.98Z",
  "additional_buyer_charges": null,
  "additional_healthcare_data": null,
  "additional_purchase_data": null,
  "address_verification": null,
  "amount": 15000,
  "amount_requested": 15000,
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "currency": "USD",
  "destination": null,
  "externally_funded": "UNKNOWN",
  "failure_code": null,
  "failure_message": null,
  "fee": 0,
  "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d",
  "funds_flow_type": "ME_TO_ME",
  "idempotency_id": null,
  "merchant": "MUuNdhs7uVYcjocWugeBbpRo",
  "merchant_identity": "IDbPrApp2adDVqG4QQzoo58E",
  "messages": [],
  "network_details": {},
  "operation_key": "PULL_FROM_CARD",
  "parent_transfer": null,
  "parent_transfer_trace_id": null,
  "raw": null,
  "ready_to_settle_at": null,
  "receipt_last_printed_at": null,
  "security_code_verification": null,
  "source": "PIveyqg2bVkKo6SHsstxBSDc",
  "split_transfers": [],
  "state": "SUCCEEDED",
  "statement_descriptor": null,
  "subtype": "API",
  "supplemental_fee": null,
  "tags": {},
  "tip_amount": null,
  "trace_id": "84749ef6-2018-5105-b4gg-g684e8g4f458",
  "type": "DEBIT",
  "_links": {
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "self": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm"
    },
    "merchant_identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDbPrApp2adDVqG4QQzoo58E"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/payment_instruments"
    },
    "reversals": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/reversals"
    },
    "fees": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/fees"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR3vKfwCuXmLqPsDYbGYn4NUm/disputes"
    },
    "source": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIveyqg2bVkKo6SHsstxBSDc"
    },
    "fee_profile": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d"
    }
  }
}

Step 8: Create a Payout Transfer

Once the pull transfer has SUCCEEDED, create the payout Transfer to push funds to the customer's destination instrument.

API Request Structure

post /transfers

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/transfers \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "amount": 15000,
    "currency": "USD",
    "destination": "PIveyqg2bVkKo6SHsstxBSDc",
    "funds_flow_type": "ME_TO_ME",
    "operation_key": "PUSH_TO_CARD",
    "pull_transfer_id": "TR3vKfwCuXmLqPsDYbGYn4NUm"
  }'

Example Response

{
  "id": "TRhJdBnKpQsRmXvWyLzGcFUm",
  "created_at": "2025-08-14T21:45:12.98Z",
  "updated_at": "2025-08-14T21:45:12.98Z",
  "additional_buyer_charges": null,
  "additional_healthcare_data": null,
  "additional_purchase_data": null,
  "address_verification": null,
  "amount": 15000,
  "amount_requested": 15000,
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "currency": "USD",
  "destination": "PIveyqg2bVkKo6SHsstxBSDc",
  "externally_funded": "UNKNOWN",
  "failure_code": null,
  "failure_message": null,
  "fee": 0,
  "fee_profile": "FPmtT4MYmiAs1qjLjneQmk4d",
  "funds_flow_type": "ME_TO_ME",
  "idempotency_id": null,
  "merchant": "MUuNdhs7uVYcjocWugeBbpRo",
  "merchant_identity": "IDbPrApp2adDVqG4QQzoo58E",
  "messages": [],
  "network_details": {},
  "operation_key": "PUSH_TO_CARD",
  "parent_transfer": null,
  "parent_transfer_trace_id": null,
  "pull_transfer_id": "TR3vKfwCuXmLqPsDYbGYn4NUm",
  "raw": null,
  "ready_to_settle_at": null,
  "receipt_last_printed_at": null,
  "security_code_verification": null,
  "source": null,
  "split_transfers": [],
  "state": "SUCCEEDED",
  "statement_descriptor": null,
  "subtype": "API",
  "supplemental_fee": null,
  "tags": {},
  "tip_amount": null,
  "trace_id": "91850fg7-3129-6216-c5hh-h795f9h5g569",
  "type": "CREDIT",
  "_links": {
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "self": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm"
    },
    "merchant_identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDbPrApp2adDVqG4QQzoo58E"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm/payment_instruments"
    },
    "reversals": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm/reversals"
    },
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    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TRhJdBnKpQsRmXvWyLzGcFUm/disputes"
    },
    "destination": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIveyqg2bVkKo6SHsstxBSDc"
    },
    "fee_profile": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPmtT4MYmiAs1qjLjneQmk4d"
    }
  }
}