Initiate Many ACH Transfers from Own Account

This endpoint allows a customer to initiate multiple ACH transfers from their own Netevia financial account to external ACH-linked accounts in a single call. Each transfer in the batch is processed individually, and the response returns a result object per transfer. This endpoint requires two-factor authentication via a one-time code before any funds movement is executed.

Deprecated: This endpoint is marked as deprecated. Consider using the unified transfer endpoints for new integrations.

Endpoint

POST /api/fundsMovement/ACHTransferMany

Authentication

Bearer token required. Obtain via:

POST https://api.banking.netevia.dev/api/auth/v2

Include in header: Authorization: Bearer {token}
Token lifetime: 10 minutes. Refresh via POST /api/auth/refresh.

When to use

Use this endpoint when a customer needs to push funds from one of their Netevia financial accounts to multiple external ACH-linked accounts simultaneously, such as disbursing payroll, vendor payments, or other batch fund distributions. Because ACH transfers move funds out of the customer's account to external destinations, a one-time security code is required to authorize the batch. Each transfer is processed independently, so partial success is possible — always inspect each item in the response array.

Request Body

Each transfer request object (fundsWithdrawalACHTransferRequest) fields:

Extended transfer request object (unifiedTransferRequest) additional fields:

{
  "oneTimeCode": "482916",
  "secureOperationType": "ShortMessageCode",
  "transferRequests": [
    {
      "fromFinancialAccountId": "fa_abc123def456",
      "toFinancialAccountId": "fa_ext789ghi012",
      "amount": 25000,
      "currencyCode": 840,
      "memo": "Vendor payment - Invoice #1042"
    },
    {
      "fromFinancialAccountId": "fa_abc123def456",
      "toFinancialAccountId": "fa_ext345jkl678",
      "amount": 10000,
      "currencyCode": 840,
      "memo": "Contractor payout - June 2026",
      "type": "ACH"
    }
  ]
}

Response

200 OK

Returns an array of result objects, one per transfer request submitted, in the same order as the input array.

[
  {
    "id": "txn_7x9mNqP3rLsW",
    "response": "Success",
    "errorCode": null
  },
  {
    "id": null,
    "response": "Insufficient funds",
    "errorCode": 14
  }
]

Error Codes

Common Mistakes

• Providing a oneTimeCode that does not match the expected 6-digit numeric format — the pattern must be exactly ^\d{6}$ with no letters or spaces.
• Submitting a secureOperationType that does not match the method used to generate the one-time code (e.g., sending TimeBasedCode but the code was delivered via SMS as ShortMessageCode).
• Using a fromFinancialAccountId that belongs to a different customer or does not have sufficient balance — each transfer is evaluated independently so the batch may partially succeed.
• Setting amount to zero or omitting it without confirming the platform default — the minimum valid amount is 1 (cent).
• Not checking each item in the response array — a 200 status only means the request was received and processed; individual transfers may still have failed with their own errorCode.

Related Endpoints

• POST /api/fundsMovement/ACHTransfer — Initiate a single ACH transfer from own account
• POST /api/fundsMovement/InternalTransfer — Transfer funds between own Netevia financial accounts
• POST /api/fundsMovement/InternalTransferMany — Initiate multiple internal transfers in a single request
• POST /api/auth/v2 — Obtain a Bearer token for authentication
• POST /api/auth/refresh — Refresh an expiring Bearer token

Example

curl -X POST https://api.banking.netevia.dev/api/fundsMovement/ACHTransferMany \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "oneTimeCode": "482916",
    "secureOperationType": "ShortMessageCode",
    "transferRequests": [
      {
        "fromFinancialAccountId": "fa_abc123def456",
        "toFinancialAccountId": "fa_ext789ghi012",
        "amount": 25000,
        "currencyCode": 840,
        "memo": "Vendor payment - Invoice #1042"
      },
      {
        "fromFinancialAccountId": "fa_abc123def456",
        "toFinancialAccountId": "fa_ext345jkl678",
        "amount": 10000,
        "currencyCode": 840,
        "memo": "Contractor payout - June 2026"
      }
    ]
  }'