# Send funds tutorial

> Step-by-step guide to sending payouts with Moov through transfers or payment links, choosing a rail, and setting who pays the payout fee.

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Send a payout by creating a transfer from a Moov wallet to the recipient's bank account or card, or by sending a payout payment link that lets the recipient choose how to get paid.

Use this for contractor and gig-worker payouts, marketplace disbursements, payouts within a [transfer group](/guides/money-movement/transfer-groups/index.md), or moving your own funds to your bank account.

**Before you start**

- The source (sender) account has the `send-funds` [capability](/guides/money-movement/payment-methods/index.md#sending-funds) for the rail you'll use, plus `wallet.balance`. The recipient only needs `transfers`.
- The recipient has a [linked bank account](/guides/sources/bank-accounts/link-bank-accounts/index.md) or [eligible card](/guides/send-payments/push-to-card/index.md#check-card-eligibility), or you'll use a payment link so they can add one
- The source wallet is [funded](/guides/wallets/funding/index.md) to cover the payout and any [payout fee](/guides/send-payments/payout-fees/index.md)

Compare rails by speed and reversibility in [choose a payment method](/guides/money-movement/payment-methods/index.md#choose-a-payment-method). Prefer `instant-bank-credit` over `rtp-credit`, which will be deprecated.

## Send funds to a recipient

The following steps walk you through finding an account and its available payment methods, and creating a payout.

[*Video: payout*](https://docs.moov.io/guides/send-payments/send-funds/images/payout.mp4)

### Get accountID

Retrieve the `accountID` for the Moov account you want to use as a source. Repeat the step for the destination account. You'll use the `accountID` to retrieve the payment methods in the next step.

**cURL**

List account [reference](/api/moov-accounts/accounts/list/index.md)

```zsh
curl -X GET "https://api.moov.io/accounts" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"
```

**Go SDK**

List account [reference](/api/moov-accounts/accounts/list/index.md)

```go
mc, _ := moov.NewClient()

mc.ListAccounts(ctx)
```

### Get payment methods

Get the `paymentMethodID` for both the source and destination accounts.

**cURL**

List payment methods [reference](/api/sources/payment-methods/list/index.md)

```zsh
curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"
```

**Go SDK**

List payment methods [reference](/api/sources/payment-methods/list/index.md)

```go
mc, _ := moov.NewClient()

var accountID string

mc.ListPaymentMethods(ctx, accountID)
```

### Create a payment link or transfer

To send a payout, create a payment link or transfer from a sender (source) to a recipient (destination). To have the recipient pay the payout fee instead of the funding wallet (the default), set `feePaidBy` as described in [payout fees](/guides/send-payments/payout-fees/index.md#set-who-pays-the-fee).

#### Payment link

**cURL**

```zsh
curl -X POST "https://api.moov.io/accounts/{accountID}/payment-links" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "accountID": "c197cd40-7745-4413-8f3b-ec962d1b5225",
    "merchantPaymentMethodID": "3afc7533-7095-43bb-b21a-5c4dc5568451",
    "partnerAccountID": "d290f1ee-6c54-4b01-90e6-d701748f0851",
    "amount": {
      "currency": "USD",
      "value": 10000
    },
    "maxUses": 0,
    "expiresOn": "2026-08-24T14:15:22Z",
    "display": {
      "title": "string",
      "description": "Payment for service",
      "callToAction": "confirm"
    },
    "payout": {
      "allowedMethods": [
        "push-to-card",
        "ach-credit-same-day"
      ],
      "recipient": {
        "phone": {
          "number": "5555555555",
          "countryCode": "1"
        }
      },
      "pushOptions": {
        "allowedSpeeds": ["instant", "deferred"],
        "deferredBy": "24h"
      },
      "feePaidBy": {
        "instant-push-to-card": "destination",
        "deferred-push-to-card": "destination",
        "ach-credit-same-day": "source"
      }
    }
  }'
```

**Go SDK**

```go
mc, _ := moov.NewClient()

var accountID string

mc.CreateTransfer(ctx, accountID, moov.CreateTransfer{
  Source: moov.CreateTransfer_Source{
    PaymentMethodID: "string",
  },
  Destination: moov.CreateTransfer_Destination{
    PaymentMethodID: "string",
  },
  Amount: moov.Amount{
    Value: 315, // $3.15
    Currency: "USD",
  },
  Description: "Optional description of transaction",
})
```

#### Transfer

**cURL**

```zsh
curl -X POST "https://api.moov.io/accounts/{accountID}/transfers" \
  -H "Authorization: Bearer {token}" \
  -H "x-idempotency-key: UUID" \
  -H "X-Wait-For: rail-response" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "source": {
      "paymentMethodID": "string"
    },
    "destination": {
      "paymentMethodID": "string"
    },
    "amount": {
      "value": 10000,
      "currency": "USD"
    },
    "feePaidBy": {
      "payout": "destination"
    },
    "description": "General contractor service"
  }'
```

**Go SDK**

```go
mc, _ := moov.NewClient()

var accountID string

mc.CreateTransfer(ctx, accountID, moov.CreateTransfer{
  Source: moov.CreateTransfer_Source{
    PaymentMethodID: "string",
  },
  Destination: moov.CreateTransfer_Destination{
    PaymentMethodID: "string",
  },
  Amount: moov.Amount{
    Value: 315, // $3.15
    Currency: "USD",
  },
  Description: "Optional description of transaction",
})
```

### Line items

Line items allow you to list items within the transaction, each with their own distinct name, description, image, options, and price modifier. For tracking purposes, you can give each item a unique identifier using the `productID` field.

The total amount of the transfer must account for any and all costs associated with a line item's base price and price modifiers as well as sales tax:

`amount` = `lineItems` + `salesTaxAmount`

The shape of line items is the same for payment links and transfers, and can be added to both requests.

```json
{
  "lineItems": {
    "item": {
      "basePrice": {
        "currency": "USD",
        "valueDecimal": "100.00"
      },
      "name": "General contractor service",
      "productID": "5afv22245-7095-24ba-b21a-5c4dc993737",
      "quantity": 1
    }
  }
}
```

### Send funds using a transfer group

When creating a transfer, you also have the option to use transfers groups. To create a transfer group, provide the `transferID` (of the immediate preceding transfer) as the `source`. Transfers that belong to a group must have an amount less than or equal to the amount of the source transfer. See the [transfer groups](/guides/money-movement/transfer-groups/index.md) guide for more detailed information.

```json
 1{
 2  "source": {
 3    "transferID": "transferID"
 4  },
 5  "destination": {
 6    "paymentMethodID": "string"
 7  },
 8  "amount": {
 9    "value": 315,
10    "currency": "USD"
11  },
12  "description": "Optional description of transaction"
13}
```

Amounts are in cents, so a `value` of `315` is $3.15.

### Track the transfer

Subscribe to the `transfer.updated` [webhook event](/guides/webhooks/webhook-events/index.md#transfers). It fires on every [transfer status](/guides/money-movement/events-and-statuses/index.md#transfer-statuses) change and on rail-specific updates. The payout succeeded when the transfer `status` is `completed`; check `failureReason` if it's `failed`.

Rail-specific statuses are on the destination: `achDetails` ([ACH statuses](/guides/money-movement/ach/ach-details/index.md#ach-statuses)), `instantBankDetails` ([instant payment statuses](/guides/send-payments/instant-payments/index.md#statuses)), or `cardDetails` ([push to card statuses](/guides/send-payments/push-to-card/index.md#send-a-push-to-card-payout)).

To stop an ACH payout, [cancel it](/guides/money-movement/ach/cancellations/index.md) before the credit originates. Instant payments are final once sent.

## Send funds to yourself

Self-to-self transfers move funds between your own wallet and bank accounts, for example:

- A company transferring funds between accounts at two separate banks
- A contractor moving money from their [Moov wallet](/guides/developer-tools/glossary/index.md#wallets) to their bank account
- A platform adding funds from their bank account to their [Moov wallet](/guides/developer-tools/glossary/index.md#wallets)

[*Video: self to self*](https://docs.moov.io/guides/send-payments/send-funds/images/self-to-self.mp4)

The steps below move funds from your wallet to your bank account. They assume you have API keys; see the [quick start](/guides/get-started/quick-start/index.md) if not.

### Set up the account

Start by creating your Moov account. Request at least one `send-funds` capability for the account. You will need to submit specific data about the user to Moov for verification before the capability is enabled. See our [capabilities](/guides/accounts/capabilities/reference/index.md) guide for a list of required information.

**cURL**

```zsh
curl -X POST "https://api.moov.io/accounts" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "accountType": "individual",
    "profile": {
      "individual": {
        "email": "julesjacksonyoga@moov.io",
        "name": {
          "firstName": "Jules",
          "lastName": "Jackson"
        }
      }
    },
    "capabilities": ["send-funds"],
    "foreignID": "unique-correlation-id"
  }'
```

**Go SDK**

```go
mc, _ := moov.NewClient()

mc.CreateAccount(ctx, moov.CreateAccount{
  Type: moov.AccountType_Business,
  Profile: moov.CreateProfile{
    Business: &moov.CreateBusinessProfile{
      Name: "Whole Body Fitness LLC",
      Type: moov.BusinessType_Llc,
    },
  },
  RequestedCapabilities: []moov.CapabilityName{
    moov.CapabilityName_SendFundsACH,
  },
  ForeignID: "unique-correlation-id",
})
```

### Add bank account

Link your bank account to your Moov account.

**cURL**

```zsh
curl -X POST "https://api.moov.io/accounts/{accountID}/bank-accounts" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "account": {
      "accountNumber": "0004321567000",
      "bankAccountType": "checking",
      "holderName": "Jules Jackson",
      "holderType": "individual",
      "routingNumber": "123456789"
    }
  }'
```

**Go SDK**

```go
mc, _ := moov.NewClient()

var accountID string

mc.CreateBankAccount(ctx, accountID, moov.WithBankAccount(moov.BankAccountRequest{
  AccountNumber: "0004321567000",
  AccountType:   moov.BankAccountType_Checking,
  HolderName:    "Jules Jackson",
  HolderType:    moov.HolderType_Individual,
  RoutingNumber: "123456789",
}), moov.WaitForPaymentMethod())
```

### Get payment methods

Get the available payment methods from the generate transfer options `POST` [endpoint](/api/money-movement/transfers/options/index.md). Specify your account ID as both the source and the destination. You will get a list that includes all the payment methods you can use to make a self-to-self transfer. The payment method for the source of the transfer will be `moov-wallet`, while the payment method for the destination will be `ach-credit-standard` or `ach-credit-same-day`.

**cURL**

```zsh
curl -X POST "https://api.moov.io/accounts/{accountID}/transfer-options" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "amount": {
      "value": 100,
      "currency": "USD"
    },
    "destination": {
      "accountID": "string"
    },
    "source": {
      "accountID": "string"
    }
  }'
```

**Go SDK**

```go
mc, _ := moov.NewClient()

// your partner accountID
var accountID string

mc.TransferOptions(ctx, accountID, moov.CreateTransferOptions{
  Source: moov.CreateTransferOptionsTarget{
    AccountID: "string",
  },
  Destination: moov.CreateTransferOptionsTarget{
    AccountID: "string",
  },
  Amount: moov.Amount{
    Currency: "USD",
    Value:    1,
  },
})
```

### Initiate the transfer

Create a [transfer](/api/money-movement/transfers/create/index.md) from your wallet to your bank account with the payment method IDs from the transfer options response. Track it the same way as a [payout to a recipient](#send-funds-to-a-recipient).

**cURL**

```zsh
curl -X POST "https://api.moov.io/accounts/{accountID}/transfers" \
  -H "Authorization: Bearer {token}" \
  -H "x-idempotency-key: UUID" \
  -H "X-Wait-For: rail-response" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "amount": {
      "value": 100,
      "currency": "USD"
    },
    "destination": {
      "paymentMethodID": "string"
    },
    "source": {
      "paymentMethodID": "string"
    },
    "description": "Optional transaction description."
  }'
```

**Go SDK**

```go
mc, _ := moov.NewClient()

var accountID string // Partner account

mc.CreateTransfer(ctx, accountID, moov.CreateTransfer{
  Amount: moov.Amount{
    Currency: "USD",
    Value:    100, // $1.00
  },
  Destination: moov.CreateTransfer_Destination{
    PaymentMethodID: "string",
  },
  Source: moov.CreateTransfer_Source{
    PaymentMethodID: "string",
  },
  Description: "Optional transaction description.",
})
```

## Next steps

- [Payout fees](/guides/send-payments/payout-fees/index.md): pass the fee to the recipient
- [Payment links](/guides/accept-payments/payment-links/index.md): let recipients choose their payout method
- [Sweeps](/guides/wallets/sweeps/index.md): pay out a wallet balance automatically every day