> ## Documentation Index > Fetch the complete documentation index at: https://developer.finogates.com/llms.txt > Use this file to discover all available pages before exploring further. # Account-to-Card Transfer (Money Out) > Push funds from your wallet out to an enrolled user's card. The transfer is reviewed by Finogate before it is sent. ## OpenAPI ````yaml POST /v1/platform/payment/cards/account-to-card openapi: 3.1.0 info: title: Finogate Platform API v1 version: 0.1.0 servers: - url: https://api-sandbox.finogates.com description: Sandbox - url: https://api.finogates.com description: Production security: [] tags: - name: auth - name: users - name: payees - name: verification - name: bank accounts - name: card processing - name: digital-assets - name: international - name: fees - name: onboarding - name: pending-applications - name: wallets - name: payments - name: document mailing - name: merchant onboarding - name: catalog - name: webhooks - name: screening - name: Platform - File Scanning - name: phone-numbers - name: sms - name: calls - name: listings - name: Card Transfers - name: embed-tokens paths: /v1/platform/payment/cards/account-to-card: post: tags: - Card Transfers summary: Account-to-Card Transfer (money out) description: >- Push funds from your wallet out to an enrolled user's card. The transfer is reviewed by Finogate before it is sent. operationId: >- create_account_to_card_transfer_v1_platform_payment_cards_account_to_card_post parameters: - name: X-Idempotency-Key in: header required: false schema: anyOf: - type: string maxLength: 120 - type: 'null' description: >- Optional. A unique value you choose so a retry of the same transfer doesn't run twice. Sending the same key returns the original transfer. title: X-Idempotency-Key description: >- Optional. A unique value you choose so a retry of the same transfer doesn't run twice. Sending the same key returns the original transfer. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CardTransferCreate' responses: '202': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/CommonResponse' '422': description: Validation Error content: application/json: schema: $ref: '#/components/schemas/HTTPValidationError' security: - _AuthenticatedBearer: [] components: schemas: CardTransferCreate: properties: wallet_id: type: string format: uuid title: Wallet Id description: >- REQUIRED. The wallet to credit (card-to-account) or debit (account-to-card). The cardholder/owner is resolved from this wallet — mirroring the wallet-to-bank flow. card_id: type: string format: uuid title: Card Id description: UUID of the enrolled card to transact on amount: anyOf: - type: number exclusiveMinimum: 0 - type: string pattern: ^(?!^[-+.]*$)[+-]?0*\d*\.?\d*$ title: Amount description: Transfer amount in major units currency: type: string maxLength: 3 minLength: 3 title: Currency default: USD idempotency_key: type: string maxLength: 120 minLength: 1 title: Idempotency Key description: >- Required. A unique value you pick per transfer (UUID recommended). Reusing the same key with an identical request returns the original transfer; reusing it with a different request is rejected. Passed in the body, matching the other wallet payment endpoints. payment_type: type: string enum: - transfer - send title: Payment Type description: >- Required. ``transfer`` moves funds between the user's own wallet and own card. ``send`` (to another party's card) is reserved and not yet supported. examples: - transfer user_id: anyOf: - type: string format: uuid - type: 'null' title: User Id description: >- Optional safety cross-check. The owner is resolved from ``wallet_id``; if ``user_id`` is supplied it must match that owner or the request is rejected. from_hold: type: boolean title: From Hold description: >- Account-to-card (money-out) only. When true, the transfer draws the amount from the wallet's frozen (held) balance instead of its available balance; the held balance must cover the amount or the request is rejected with ``insufficient_held_funds``. Ignored on card-to-account (money-in), which has no wallet source to draw from — sending true there is rejected. Omit (or send false) for a normal transfer from available balance. default: false examples: - false type: object required: - wallet_id - card_id - amount - idempotency_key - payment_type title: CardTransferCreate description: >- Platform request to initiate one debit-card transfer. Direction is fixed by the endpoint path (``/card-to-account`` for AFT, ``/account-to-card`` for OCT). The optional idempotency key is supplied via the ``X-Idempotency-Key`` HTTP header rather than the body — matching the rest of Finogate's API surface (Stripe / Square convention). ``payment_type`` mirrors the rest of the payments API: ``transfer`` moves funds between the user's OWN wallet and OWN card (card-to-wallet on card-to-account, wallet-to-card on account-to-card). ``send`` (moving funds to a different party's card) is reserved and not yet supported. CommonResponse: properties: status_code: type: integer title: Status Code description: HTTP status code for the response. data: title: Data description: Payload or error details. query_generated_time: type: integer title: Query Generated Time description: >- UTC timestamp (milliseconds since epoch) when response was generated. type: object required: - status_code - data - query_generated_time title: CommonResponse description: |- Standard response wrapper for single-object responses and errors. Generic over the payload type. A route that declares ``CommonResponse[SomeModel]`` gets the real ``data`` schema rendered in OpenAPI/Swagger; a bare ``CommonResponse`` leaves ``data`` untyped. HTTPValidationError: properties: detail: items: $ref: '#/components/schemas/ValidationError' type: array title: Detail type: object title: HTTPValidationError ValidationError: properties: loc: items: anyOf: - type: string - type: integer type: array title: Location msg: type: string title: Message type: type: string title: Error Type type: object required: - loc - msg - type title: ValidationError securitySchemes: _AuthenticatedBearer: type: oauth2 flows: password: scopes: {} tokenUrl: /v1/platform/auth/token ````