> ## Documentation Index
> Fetch the complete documentation index at: https://developers.dwolla.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfers Overview

> Endpoints for creating, retrieving and listing transfers.

# Transfers

A transfer represents money being transferred from a `source` to a `destination`. Transfers can be created over the ACH network or over Wire. A Debit represents funds being debited from an <Tooltip tip="An external party is an individual or business that sends or receives funds through your application.">external party's</Tooltip> funding source. A Credit represents funds being credited to an external party's funding source.

### Transfer Statuses

Once a transfer is successfully created, it can go through various status changes as it moves from Dwolla to your bank for processing. Reference the list below that includes every possible status and a brief description:

| Status    | Description                                                                                                                        |
| --------- | ---------------------------------------------------------------------------------------------------------------------------------- |
| created   | The initial status of a transfer.                                                                                                  |
| pending   | A transfer will move from created to pending as it processes in Dwolla system and continues processing on submission to your bank. |
| processed | A transfer was submitted by your bank through the payment network for processing and successfully completed.                       |
| failed    | A transfer failed to be submitted to your bank for processing.                                                                     |
| returned  | A transfer was submitted to your bank for processing and later updated to returned upon receiving an ACH return code.              |

### Transfer resource

| Parameter | Description                                              |
| --------- | -------------------------------------------------------- |
| id        | Transfer unique identifier.                              |
| status    | Either `processed`, `pending`, `cancelled`, or `failed`. |
| amount    | An amount JSON object. See below.                        |
| created   | ISO-8601 timestamp.                                      |
| metadata  | A metadata JSON object                                   |

```bash theme={"dark"}
{
    "_links": {
        "self": {
            "href": "https://api.dwolla.com/transfers/60075bd9-2492-4d88-b810-13b162cdec03",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "transfer"
        },
        "source": {
            "href": "https://api.dwolla.com/accounts/3b0f270c-9cfd-4724-bae8-aa4b1659cbb3",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "account"
        },
        "source-funding-source": {
            "href": "https://api.dwolla.com/funding-sources/9062c625-2094-47ed-9d1f-f40315e4bea7",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        },
        "destination": {
            "href": "https://api.dwolla.com/external-parties/ef156b8c-159b-45dc-9e1a-9a92fa355cdc",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "external-party"
        },
        "destination-funding-source": {
            "href": "https://api.dwolla.com/funding-sources/737d3c04-02c3-416f-b327-cd5419999b3f",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        }
    },
    "id": "60075bd9-2492-4d88-b810-13b162cdec03",
    "created": "2023-09-20T14:43:30.403Z",
    "amount": {
        "value": "5.12",
        "currency": "USD"
    },
    "status": "returned",
    "processingChannel": "ach",
    "failureReason": {
        "description": "Insufficient Funds",
        "code": "R01",
        "explanation": "Available balance is not sufficient to cover the dollar amount of the debit entry."
    }
}
```