Submit transfer diligence on behalf of the originator

POST /transfer/diligence/submit

Use the /transfer/diligence/submit endpoint to submit transfer diligence on behalf of the originator (i.e., the end customer).

Request Body

Required

Defines the request schema for /transfer/diligence/submit

Parameters

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
originator_client_id
required, string
Client ID of the the originator whose diligence that you want to submit.
originator_diligence
required, object
The diligence information for the originator.
dba
required, string
The business name of the originator.
tax_id
required, string
The tax ID of the originator.
credit_usage_configuration
object
Specifies the originator’s expected usage of credits. For all dollar amounts, use a decimal string with two digits of precision e.g. “10.00”. This field is required if the originator is expected to process credit transfers.
expected_frequency
required, string
The originator’s expected transfer frequency.
expected_highest_amount
required, string
The originator’s expected highest amount for a single credit transfer.
expected_average_amount
required, string
The originator’s expected average amount per credit.
expected_monthly_amount
required, string
The originator’s monthly expected ACH credit processing amount for the next 6-12 months.
sec_codes
required, array[string]
Specifies the expected use cases for the originator’s credit transfers. This should be a list that contains one or more of the following codes: "ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts "ppd" - Prearranged Payment or Deposit. The transfer is part of a pre-existing relationship with a consumer. Authorization was obtained from the consumer in person via writing, or through online authorization, or via an electronic document signing, e.g. Docusign. For example language for online authorization, see the 2025 NACHA Operating Rules — Section 2.3.2, Authorization of Entries via Electronic Means. Can be used for credits or debits. "web" - Internet-Initiated Entry. The transfer debits a consumer’s bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits.
debit_usage_configuration
object
Specifies the originator’s expected usage of debits. For all dollar amounts, use a decimal string with two digits of precision e.g. “10.00”. This field is required if the originator is expected to process debit transfers.
expected_frequency
required, string
The originator’s expected transfer frequency.
expected_highest_amount
required, string
The originator’s expected highest amount for a single debit transfer.
expected_average_amount
required, string
The originator’s expected average amount per debit.
expected_monthly_amount
required, string
The originator’s monthly expected ACH debit processing amount for the next 6-12 months.
sec_codes
required, array[string]
Specifies the expected use cases for the originator’s debit transfers. This should be a list that contains one or more of the following codes: "ccd" - Corporate Credit or Debit - fund transfer between two corporate bank accounts "ppd" - Prearranged Payment or Deposit - The transfer is part of a pre-existing relationship with a consumer. Authorization was obtained in writing either in person or via an electronic document signing, e.g. Docusign, by the consumer. Can be used for credits or debits. "web" - Internet-Initiated Entry. The transfer debits a consumer’s bank account. Authorization from the consumer is obtained over the Internet (e.g. a web or mobile application). Can be used for single debits or recurring debits. "tel" - Telephone-Initiated Entry. The transfer debits a consumer. Debit authorization has been received orally over the telephone via a recorded call.
address
required, object
The originator’s address.
city
required, string
The full city name.
street
required, string
The full street address.
region
required, string
The two-letter code for the state or province (e.g., “CA”).
postal_code
required, string
The postal code (e.g., “94103”).
country_code
required, string
ISO-3166-1 alpha-2 country code standard.
website
required, string
The website of the originator.
naics_code
required, string
The NAICS code of the originator.
funding_account
required, object
The originator’s funding account, linked with Plaid Link or /transfer/migrate_account.
access_token
required, string
The access token associated with the Item data is being requested for.
account_id
required, string
The Plaid account_id for the newly created Item.

Response

Defines the response schema for /transfer/diligence/submit

Response Properties

request_id
required, string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.