Sending a Card Push Transfer

Card Push Transfers move funds to eligible Visa and Mastercard payment cards within seconds, both domestically and internationally. Before sending, you'll tokenize the recipient's card and run a Card Validation to confirm the card can receive funds.

Lifecycle

Status	Description
pending_approval	The transfer requires approval from a member of your team.
pending_reviewing	The transfer is pending review by Increase.
pending_submission	The transfer is queued to be submitted to the card network.
submitted	The transfer has been submitted and is pending a response from the card network.
complete	The transfer has been sent successfully and is complete.
canceled	The transfer has been canceled.
declined	The transfer was declined by the network or the recipient's bank.
requires_attention	The transfer requires attention from an Increase operator.

Sending a Card Push Transfer with Increase

Originating a Card Push Transfer via the Increase API kicks off several steps involving you, Increase, the card network, and the recipient's bank.

1. You make a POST /card_push_transfers call with the details of how much you'd like to send and to whom. You should have already created a Card Token for the recipient. The transfer is created with a status of pending_submission.
2. A Pending Transaction is immediately created for the full amount of the transfer in order to hold funds.
3. When the message is submitted to the card network (usually within seconds), Increase updates the Card Push Transfer object with its submission details and the status is updated to submitted.
4. The card network forwards transfer details to the recipient's bank. Once the network acknowledges the transfer, funds are settled and the Card Push Transfer object status updates to complete. At the same time, a Transaction is created for the full amount of the transfer and funds are removed from your Account. The Pending Transaction is marked complete.
5. If the network is unable to complete the transfer, it responds with a decline and the transfer status updates to declined. The Pending Transaction is marked as complete and no additional Transactions are created on your Account.

The entire process usually completes within seconds.

Approvals

For transfers that require approval from another team member, the Card Push Transfer is created with a status of pending_approval and a Pending Transaction is created to hold funds.

If the transfer is approved, the Card Push Transfer object updates with its approval details, the status is changed to pending_submission, and things progress normally.

If the transfer is not approved, the Card Push Transfer object updates with its cancellation details and the status is changed to canceled. The Pending Transaction status updates to complete, no Transfer information is submitted, and no additional Transactions are created.

Reviews and declines

Occasionally a Card Push Transfer will need to be manually reviewed by an Increase operator. When this occurs the Card Push Transfer object status will be set to pending_reviewing.

Once reviewed, the status changes to pending_submission and things progress normally. However, rarely a Card Push Transfer may be declined by Increase, the network, or the recipient's bank. When this occurs the Card Push Transfer object status updates to declined, and no additional Transactions are created.