# 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:
1. 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`).
2. 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](mailto:support@finix.com).
---
## Step 1: Create an Identity
The first step is creating an [Identity `with Sender & Recipient roles`](https://docs.finix.com/api/identities/createidentity) 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
```bash
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)
```json
{
"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](https://docs.finix.com/guides/online-payments/payment-tokenization/tokenization-forms) or [Mobile Tokenization](https://docs.finix.com/guides/online-payments/payment-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](https://docs.finix.com/guides/getting-started/support-at-finix/).
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
```bash
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
```json
{
"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
```bash
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
```json
{
"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](https://docs.finix.com/guides/payouts/recipient-verification-process)
### API Request Structure
post
/identities/{identity_id}/merchants
```bash
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
```json
{
"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](https://docs.finix.com/additional-resources/developers/authentication-and-api-basics/idempotent-request).
### API Request Structure
post
/transfers
```bash
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
```json
{
"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
```bash
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
```json
{
"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"
},
"fees": {
"href": "https://finix.sandbox-payments-api.com/fees?linked_to=TRhJdBnKpQsRmXvWyLzGcFUm"
},
"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"
}
}
}
```