---
updatedAt: 2026-03-10T14:19:42.000Z
agentTools:
  projectIndex: https://mifinity.readme.io/llms.txt
---

# Account to Account Transfer

<br />

## Withdrawals to client account

Perform payouts back to clients by transferring funds from your MiFinity merchant account to a client's MiFinity account. This is a synchronous account-to-account transfer — a `200 OK` response confirms the transfer succeeded.

## Request

### [POST https://demo.mifinity.com/api/payments/acct2acct/](https://mifinity.readme.io/reference/account-to-account-transfer)

#### Header

| Parameter     | Type   | Description                  |
| :------------ | :----- | :--------------------------- |
| Content-Type  | String | Use value 'application/json' |
| Accept        | String | Use value 'application/json' |
| x-api-version | String | Use value 1                  |
| Key           | String | API key                      |

#### Body Params

| Field              | Type   | Required | Description                                                                  |
| :----------------- | :----- | :------- | :--------------------------------------------------------------------------- |
| sourceAccount      | String | true     | Account number from which the amount of money will be debited                |
| destinationAccount | String | true     | Can be either email address or MiFinity account number to receive the credit |
| money              | Money  | true     | Complex Money object containing transfer amount and currency                 |
| description        | String | true     | Description for this transfer (min 1 character, max 25 characters)           |
| traceId            | String | true     | Unique transaction identifier. You can assign any value                      |

#### money

| Field    | Type   | Required | Description              |
| :------- | :----- | :------- | :----------------------- |
| currency | String | true     | Currency code (ISO 4217) |

## Example

<Tabs>
  <Tab title="Request">
    ```json
    {
      "sourceAccount": "5001000001212099",
      "destinationAccount": "tmifinity+ashah2@gmail.com",
      "money": {
        "amount": 10.00,
        "currency": "EUR"
      },
      "description": "Payout to client",
      "traceId": "zcsdcxsdfdcxcdsxxxdssfdfxfdccds5f"
    }
    ```
  </Tab>

  <Tab title="Response (200 OK)">
    ```json
    {
    "payload": [
        {
            "transactionId": "J-eSDZ4xtJ4Kw6KuNvt-grpoKS8liJujdvM9h72Fu4I=",
            "transactionReference": "06eb7482-5888-461c-9b9d-21ad5db119c3",
            "traceId": "zcsdcxsdfdcxcdsxxxdssfdfxfdccds5f",
            "datePosted": "2026-03-10T14:16:59.545Z",
            "sourceMoney": {
                "amount": 10.00,
                "currency": "EUR",
                "displayable": "EUR10.00"
            },
            "destinationMoney": {
                "amount": 108.14,
                "currency": "NOK",
                "displayable": "NOK108.14"
            },
            "exchangeRate": 10.814,
            "totalFees": {
                "amount": 0.10,
                "currency": "EUR",
                "displayable": "EUR0.10"
            },
            "sameOwner": false,
            "status": "OK"
        }
    ]
    }
    ```
  </Tab>
</Tabs>

<Callout icon="✅" theme="success">
  For withdrawals (Account to Account transfer), the flow is synchronous. A `200 OK` response confirms the transfer succeeded. A callback notification (webhook) is also sent if configured.
</Callout>