Making a Transfer between Accounts

An important feature of Liquidity Accounts is the ability to transfer funds between different accounts, enabling a bank-like experience. Transfers are implemented using the Ping Credit payment provider method and reuse the same Payments API.

How Account Transfers Work

To transfer funds between two Liquidity Accounts, create a Payment with:

• provider: "ping"
• method: "credit"

Each transfer involves at least two accounts:

• Destination account: Specified in order_items[].liquidity_account_id
• Source account: Specified in provider_method_parameters.liquidity_account_id

Example

Let's assume we have two Liquidity Accounts

• Account A - aaaaaaaa-aaaa-aaaa-aaaa-aaaaaaaaaaa"
• Account B - bbbbbbbb-bbbb-bbbb-bbbb-bbbbbbbbbbb"

We want to transfer 299 SEK from Account A to Account B. We do this by creating a Payment with the provider ping and method credit.

Request

curl --location 'https://sandbox.pingpayments.com/payments/api/v1/payment_orders/<YOUR-PAYMENT-ORDER-ID>/payments' \
--header 'x-api-secret: <YOUR-API-SECRET>' \
--header 'tenant_id: <YOUR-TENANT-ID>' \
--header 'Content-Type: application/json' \
--data-raw '{
    "order_items": [
      {
        "amount": 29900,
        "metadata": {},
        "name": "Transfer",
        "liquidity_account_id": "bbbbbbbb-bbbb-bbbb-bbbb-bbbbbbbbbbb",
        "vat_rate": "0",
        "tags": []
      }
    ],
    "provider_method_parameters": {
        "liquidity_account_id": "aaaaaaaa-aaaa-aaaa-aaaa-aaaaaaaaaaa"
    }, 
    "metadata": {},
    "currency": "SEK",
    "method": "credit",
    "provider": "ping",
    "status_callback_url": "https://<YOUR-DOMAIN>/ping-callback/payment_status",
    "total_amount": 29900
}'

After this, the Payment Order must be settled like any other Payment. Once that is done:

• Account A is debited 299 SEK.
• Account B is credited 299 SEK.

NOTE: In most cases Ping will provide a special split tree for this specific use case