Create an STP (straight-through processing) transaction to send money to a Recipient’s debit card, even if the Recipient has not yet been created in RocketKOR. As part of the STP process, RocketKOR will create a new Recipient Account and a new Financial Account for the Recipient’s debit card. This allows you to create a transaction and add the Recipient and their debit card to RocketKOR in a single step.
You can also create an STP transaction if the Recipient already exists in RocketKOR. In this case, RocketKOR will use the existing Recipient Account. If the Recipient already has a Financial Account linked to their debit card, RocketKOR will use the existing Financial Account.
The API will perform the following operations:
POST /v1/stp-transactions
Authorization: Bearer <access_token>
idempotencyKey REQUIRED
string
A unique string that identifies the request. Can be a v4 UUID or any other unique string with a minimum length of 6 characters and a maximum length of 255 characters.
If a network error occurs, you can safely retry the request using the same idempotency key and the request will only be executed once. This ensures that calling the API multiple times will not result in duplicate requests. For more information, see Idempotent Calls.
entity REQUIRED
object
Recipient information.
category REQUIRED
string enum, values: INDIVIDUAL, BUSINESS
Type of Recipient.
firstName REQUIRED
string, max length: 50
Recipient’s first name.
lastName REQUIRED
string, max length: 50
Recipient’s last name.
businessName CONDITIONAL
string, max length: 50
Business name. Required if recipientType is BUSINESS.
mobileNumber CONDITIONAL
string
Recipient’s phone number. Required if notify is set to true. The phone number can be entered in any of the following formats:
string, max length: 100
Recipient’s email address.
financial REQUIRED
object
Recipient’s debit card information and billing address.
cardData REQUIRED
object
Recipient’s debit card.
expiry REQUIRED
string, format: YY-MM
Expiry date for the card.
cardNumber REQUIRED
string
Card number.
billingAddress
object
Billing address for the debit card.
addressLine1 REQUIRED
string, min length: 1, max length: 40
First line of the street address.
addressLine2
string, min length: 1, max length: 40
Second line of the street address.
adressLine3
string, min length: 1, max length: 40
Third line of the street address.
city REQUIRED
string, min length: 1, max length: 40
City.
state REQUIRED
string, min length: 2, max length: 3
State, province, or territory. Must be an ISO 3166-2 uppercase alpha 2-character or 3-character country subdivision code. For example, Missouri is MO.
country REQUIRED
string, min length: 3, max length: 3
Country code. Must be an ISO 3166-1 uppercase alpha 3-character country code. For example, the United States is USA and Canada is CAN.
postalCode REQUIRED
string, max length: 10
Zip code or postal code.
transaction REQUIRED
object
Transaction details.
financialAccountId REQUIRED
string (UUID)
ID of the Financial Account used as the debit account (source of the funds) for the transaction.
paymentReasonId REQUIRED
string, max length: 50
ID representing the payment reason for the transaction. Use the Payment Reasons API to retrieve a list of available payment reasons.
amount REQUIRED
string
Amount to send to the Recipient’s debit card.
notify
boolean
Whether to send a notification to the Recipient when the transaction is created. If set to true, mobileNumber is required.
Returns details for the Recipient Account, Financial Account, and transaction. The following fields are returned.
idempotencyKey
string
A unique string that identifies the request. Can be a v4 UUID or any other unique string with a minimum length of 6 characters and a maximum length of 255 characters.
If a network error occurs, you can safely retry the request using the same idempotency key and the request will only be executed once. This ensures that calling the API multiple times will not result in duplicate requests. For more information, see Idempotent Calls.
recipientAccountId
string
ID of the Recipient Account.
financialAccountId
string
ID of the external card Financial Account linked to the Recipient’s debit card.
transactionId
string
ID of the transaction in the RocketKOR system.
transactionStatus
string enum, values: COMPLETED, ERROR
Transaction status. The following values are supported:
SAMPLE REQUEST
{
"idempotencyKey": "1bd5257a-3e88-4e39-b708-310a83950fad",
"entity": {
"category": "INDIVIDUAL",
"firstName": "Sam",
"lastName": "Smith",
"businessName": "",
"mobileNumber": "+15551234567",
"email": "sam.smith@abc.com"
},
"financial": {
"cardData": {
"expiry": "2025-04",
"cardNumber": "49927398716"
},
"billingAddress": {
"addressLine1": "50 King St",
"addressLine2": "",
"addressLine3": "",
"city": "New York",
"state": "NY",
"country": "USA",
"postalCode": "10001"
}
},
"transaction": {
"financialAccountId": "7e85e0d0-d273-4856-972a-95cd81031e5a",
"paymentReasonId": "deposit",
"amount": "50.00"
},
"notify": false
}
SAMPLE RESPONSE
{
"idempotencyKey": "1bd5257a-3e88-4e39-b708-310a83950fad",
"recipientAccountId": "85081169-7fc7-40ba-9376-6bf9c84e0527",
"financialAccountId": "a718618a-6e4e-4b9a-9345-3bfa82e77fa1",
"transactionId": "3a4323c6-5ca6-4849-8b31-c76a829abf62",
"transactionStatus": "COMPLETED"
}
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