Wire Transfers (Fedwire / SWIFT)

Rails: Fedwire Funds (domestic) · SWIFT (cross-border) Settlement: Real-time (Fedwire) · T+1 to T+3 (SWIFT) Message Standard: ISO 20022 pacs.008 / pacs.009

The wire transfer endpoint initiates domestic Fedwire transfers and cross-border SWIFT transfers through a single API call. PayPlus automatically selects Fedwire for USD-to-USD domestic transfers and SWIFT for international or cross-currency transfers, or you can specify the rail explicitly.

Rail Selection

Scenario	Rail Used	Notes
USD transfer to a US bank (domestic)	Fedwire	Real-time RTGS settlement. Fedwire operates Mon–Fri within operating hours only.
USD transfer to a non-US bank	SWIFT (USD correspondent chain)	Routes through your institution's USD correspondent bank.
Non-USD currency transfer (EUR, GBP, etc.)	SWIFT	PayPlus applies the configured correspondent routing for the currency pair.
Bank-to-bank cover payment	Fedwire (pacs.009) or SWIFT (MT 202/pacs.009)	Specify `"transferType": "bank_transfer"` in the request.

Initiate a Wire Transfer

POST /v2/payments/wire

Creates a wire transfer instruction. Fedwire payments are submitted immediately if the request is received during Fedwire operating hours; otherwise, they are queued for the next operating session. SWIFT payments are submitted to SWIFTNet immediately upon approval and compliance clearance.

Request Body Parameters

Field	Type		Description
`transferType`	string	Optional	`"customer_transfer"` (default — customer credit transfer, pacs.008) or `"bank_transfer"` (interbank/cover payment, pacs.009).
`amount`	integer	Required	Amount in cents (USD, or target currency if `currency` is specified). No maximum for Fedwire; SWIFT limits vary by correspondent arrangement.
`currency`	string	Optional	ISO 4217 currency code. Default: `"USD"`. Non-USD currencies automatically route to SWIFT.
`valueDate`	string (date)	Optional	Requested value date in YYYY-MM-DD format. For Fedwire, this is always today (RTGS, no future dating). For SWIFT, future value dating is supported. Must be a banking day in the beneficiary's country.
`originator`	object	Required	Ordering customer or institution. See Originator Object.
`beneficiary`	object	Required	Beneficiary customer or institution. See Beneficiary Object.
`beneficiaryBank`	object	Required	Beneficiary's bank. For Fedwire: `routingNumber` (ABA). For SWIFT: `bic` (8 or 11 chars).
`intermediaryBank`	object	Optional	Intermediary/correspondent bank for SWIFT correspondent chains. Fields: `bic`, `name`, `address`.
`remittanceInfo`	string	Optional	Unstructured remittance information. Passed in pacs.008 `RmtInf/Ustrd`. Maximum 140 characters (Fedwire); 210 characters (SWIFT MT 103 field 70).
`purposeCode`	string	Optional	ISO 20022 purpose code (e.g., `BEXP` for business expenses, `DIVI` for dividends). Required for some cross-border SWIFT corridors.
`referenceId`	string	Optional	Your system reference. Maximum 35 characters. Passed in pacs.008 `EndToEndId`.

Originator Object (Wire)

Field	Type		Description
`name`	string	Required	Full name of originating customer or institution.
`accountNumber`	string	Required	Originating account number at the sending bank.
`routingNumber`	string	Fedwire: Required	Sending bank ABA routing number.
`address`	object	Required	Full address. Required for Travel Rule compliance: `street`, `city`, `state`, `postalCode`, `country` (ISO 3166-1 alpha-2).
`lei`	string	Optional	Legal Entity Identifier (20 characters). Required in pacs.008 for large financial institutions per Fedwire ISO 20022 rules.

Example Request — Fedwire (Domestic USD)

POST /v2/payments/wire HTTP/1.1
Host: api.payplus.yourbank.internal
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9...
Content-Type: application/json
Idempotency-Key: c1d2e3f4-a5b6-7c8d-9e0f-1a2b3c4d5e6f

{
  "transferType": "customer_transfer",
  "amount": 250000000,
  "currency": "USD",
  "originator": {
    "name": "Acme Corporation",
    "accountNumber": "100200300",
    "routingNumber": "021000021",
    "address": {
      "street": "1 Liberty Plaza",
      "city": "New York",
      "state": "NY",
      "postalCode": "10006",
      "country": "US"
    }
  },
  "beneficiary": {
    "name": "Riverdale Real Estate Trust",
    "accountNumber": "778899001122",
    "address": {
      "street": "500 North Michigan Ave",
      "city": "Chicago",
      "state": "IL",
      "postalCode": "60611",
      "country": "US"
    }
  },
  "beneficiaryBank": {
    "routingNumber": "071000013",
    "name": "JPMORGAN CHASE BANK NA"
  },
  "remittanceInfo": "RE CLOSING - 500 N MICHIGAN AVE CHICAGO IL 60611",
  "purposeCode": "RPRE",
  "referenceId": "CLOSING-2026-03-15-001"
}

Response

202 Accepted (Fedwire submissions are asynchronous — settlement confirmation arrives via webhook)

{
  "data": {
    "paymentId": "pmt_wire_f3a1b9c7d2e4",
    "rail": "fedwire",
    "status": "approved",
    "amount": 250000000,
    "currency": "USD",
    "uetr": "9c2e4f6a-8b0d-1e3f-5a7c-9d1e3f5a7c9d",
    "referenceId": "CLOSING-2026-03-15-001",
    "createdAt": "2026-03-15T10:45:00Z",
    "estimatedSettlement": "2026-03-15T11:00:00Z"
  }
}

Get Wire Transfer Status

GET /v2/payments/wire/{paymentId}

Returns current status and details of a wire transfer. The uetr field (Unique End-to-End Transaction Reference) is present for all ISO 20022 wire transfers and can be used for SWIFT gpi tracking queries.

Wire Payment Status Values

Status	Description
`validated`	Format validation passed; awaiting approval
`pending_approval`	Awaiting dual-control approval (typical for high-value wires)
`compliance_hold`	OFAC screening hold — Compliance Officer action required
`approved`	Approved; queued for Fedwire operating hours (if after-hours) or immediate submission (if during hours)
`submitted`	Submitted to Fedwire or SWIFTNet; awaiting settlement confirmation
`settled`	Fedwire settlement confirmed (RTGS, immediate) or SWIFT correspondent confirmed receipt
`recall_pending`	Recall request submitted (camt.056); awaiting beneficiary bank response
`recalled`	Funds returned following successful recall
`recall_rejected`	Recall request rejected by beneficiary bank
`rejected`	Rejected by PayPlus compliance or by Fedwire/SWIFT network

Request Wire Recall

POST /v2/payments/wire/{paymentId}/recall

Initiates a payment recall request for a settled wire transfer. PayPlus submits a camt.056 (Payment Cancellation Request) to the beneficiary bank via Fedwire or SWIFT. Recall is not guaranteed — the beneficiary bank may reject the recall if funds have been applied to the beneficiary account.

Recall Is Not Reversal A recall request is a request — not a reversal. The beneficiary bank must agree to return the funds. For SWIFT, the SWIFT gSRP (global Stop and Recall) process is used. For Fedwire, the Federal Reserve facilitates the recall inquiry but cannot force the return of funds. Contact the beneficiary bank directly in parallel with the API recall request.

Request Body

{
  "reason": "DUPL",
  "reasonDetail": "Duplicate wire transfer — original payment ref CLOSING-2026-03-14-001 was resent in error.",
  "requestorContactName": "Sarah Johnson",
  "requestorContactPhone": "+1-212-555-0100"
}

Recall Reason Codes

Code	Description
`DUPL`	Duplicate payment — same payment sent twice
`TECH`	Technical error — payment sent due to system error
`FRAD`	Fraudulent origin — payment initiated without authorization
`CUST`	Requested by the ordering customer — wrong beneficiary or wrong amount
`AM09`	Wrong amount — amount different from what was intended

Response

202 Accepted

{
  "data": {
    "recallId": "rcl_9e3c7f1a2b4d",
    "paymentId": "pmt_wire_f3a1b9c7d2e4",
    "status": "recall_pending",
    "camt056MsgId": "CNCL202603150001",
    "submittedAt": "2026-03-15T14:00:00Z",
    "responseDeadline": "2026-03-20T18:00:00Z"
  }
}

Get Recall Status

GET /v2/payments/wire/{paymentId}/recall

Returns the current status of a recall request. Subscribe to the wire.recall.resolved webhook event for real-time notification of the beneficiary bank's response.

Wire Payment Object Reference

Field	Type	Description
`paymentId`	string	Unique PayPlus identifier. Format: `pmt_wire_{16 chars}`
`rail`	string	`"fedwire"` or `"swift"`
`transferType`	string	`"customer_transfer"` or `"bank_transfer"`
`status`	string	Current payment status
`amount`	integer	Amount in cents in the specified currency
`currency`	string	ISO 4217 currency code
`uetr`	string	Unique End-to-End Transaction Reference (UUID v4). Globally unique across all ISO 20022 payment networks.
`imad`	string	Input Message Accountability Data (Fedwire only). Available after `status = "submitted"`.
`omad`	string	Output Message Accountability Data (Fedwire only). Available after `status = "settled"`.
`swiftGpiStatus`	string	SWIFT gpi tracker status (SWIFT only): `ACSP`, `ACCC`, `RJCT`, `PDNG`.
`settlementTimestamp`	string	ISO 8601 timestamp of settlement confirmation. Present when `status = "settled"`.
`referenceId`	string	Your system's reference identifier (passed as pacs.008 EndToEndId)

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