Send Within Nuvion

This guide sends funds from one Nuvion account to another. It ends with a successful book transfer: the amount leaves your account and arrives in the recipient’s account straight away. All you need is the recipient’s Nuvion account number. The recipient can be another account of your own, a parent or child entity, another entity under the same parent, or any other Nuvion customer, such as a supplier or a customer of yours who also banks with Nuvion. Sending from a child entity’s account works the same way, with one addition: see Send from or to a child entity.

When to use a book transfer

If the recipient banks with Nuvion, prefer a book transfer. It settles immediately, needs no routing details, and doesn’t pass through an external payment rail. Use a bank payout when the recipient banks elsewhere.

How it differs from other payouts

A book transfer follows the same three steps as any payout: create a counterparty, add a payment detail, then send the transfer. These points differ:

	Book transfer
Recipient identifier	The recipient’s Nuvion account number, which is the `nuvion_ban` of their account. Ask the recipient for it.
Routing fields	None. Don’t send `country`, `scheme` or `bank_name`. Nuvion sets `scheme` to `nuvion_direct` and `bank_name` to `Nuvion Payments LLC`.
Currency	The currency of the recipient’s account. It must match the account.
Settlement	Immediate. The transfer is `successful` in the response.
Fee	The sender pays `applicable_fee` on top of `amount`. Fees come from your fee rules, so check your pricing sheet.
Amount	A whole number of at least `1`, in minor units. Nuvion enforces no other limit.

Before you start

An API key, and the account_id of the account that pays. It needs a balance of at least the amount plus the fee.
The recipient’s nuvion_ban and the currency of that account.

The examples use these placeholder values. Replace them with your own.

Placeholder	What it is
`01HXYZ2000ABCDEFGHJKMNPQRS`	The ID of your entity. You send it only when you act for a child entity.
`01HXYZ3000ABCDEFGHJKMNPQRS`	The counterparty ID that Step 1 returns.
`01HXYZ4000ABCDEFGHJKMNPQRS`	The ID of your account that pays.
`01HXYZ5000ABCDEFGHJKMNPQRS`	The payment detail ID that Step 2 returns.
`01HXYZ6000ABCDEFGHJKMNPQRS`	The transfer ID that Step 3 returns.
`0010650099`	The recipient’s `nuvion_ban`.

Step 1: Create a counterparty

Create a counterparty for the recipient. Do this once per recipient.

# Run this once per recipient.
curl -X POST https://api.nuvion.dev/counterparties \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "business",
    "nickname": "Northwind Supplies",
    "profile": {
      "legal_name": "Northwind Supplies Ltd",
      "relationship": "supplier",
      "email": "accounts@northwind.example",
      "registered_address": {
        "line1": "12 Market Street",
        "city": "London",
        "postal_code": "EC1A 1BB",
        "country": "GB"
      }
    }
  }'

{
  "status": "success",
  "message": "Counterparty created successfully",
  "data": {
    "id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "entity_id": "01HXYZ2000ABCDEFGHJKMNPQRS",
    "type": "business",
    "nickname": "Northwind Supplies",
    "status": "active",
    "profile": {
      "legal_name": "Northwind Supplies Ltd",
      "relationship": "supplier",
      "registered_address": {
        "line1": "12 Market Street",
        "city": "London",
        "postal_code": "EC1A 1BB",
        "country": "GB"
      },
      "email": "accounts@northwind.example"
    },
    "created": 1793813735899,
    "updated": 1793813735899,
    "deleted": 0
  }
}

{
  "status": "error",
  "message": "Validation failed for one or more fields",
  "type": "error_validation_error",
  "validations": [
    {
      "profile": {
        "type": "error_validation_required_field_missing",
        "message": "The 'profile' field is required. Please include it and try again."
      }
    }
  ]
}

{
  "status": "error",
  "message": "Your credentials are invalid or have expired. Please check your credentials and try again",
  "type": "error_auth_credentials_invalid"
}

Keep data.id (01HXYZ3000ABCDEFGHJKMNPQRS). Step 2 and Step 3 use it as counterparty_id. See Create a counterparty.

Step 2: Add the recipient’s account as a payment detail

Add a book-transfer payment detail whose account_number is the recipient’s nuvion_ban. Nuvion checks that the number belongs to a Nuvion account when you add it.

# Run this once per recipient account. account_number is the recipient's nuvion_ban.
curl -X POST https://api.nuvion.dev/payment-details \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_method": "book-transfer",
    "currency": "GBP",
    "account_holder_name": "Northwind Supplies Ltd",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "account_number": "0010650099"
  }'

{
  "status": "success",
  "message": "Payment detail created successfully",
  "data": {
    "id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "payment_method": "book-transfer",
    "currency": "GBP",
    "account_holder_name": "Northwind Supplies Ltd",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "entity_id": "01HXYZ2000ABCDEFGHJKMNPQRS",
    "scheme": "nuvion_direct",
    "account_number": "0010650099",
    "bank_name": "Nuvion Payments LLC",
    "meta": {}
  }
}

{
  "status": "error",
  "message": "Validation failed for one or more fields",
  "type": "error_validation_error",
  "validations": [
    {
      "account_number": {
        "type": "error_resource_not_found",
        "message": "We couldn't find that account. It may have been deleted or the ID might be incorrect."
      }
    }
  ]
}

{
  "status": "error",
  "message": "Validation failed for one or more fields",
  "type": "error_validation_error",
  "validations": [
    {
      "account_number": {
        "type": "error_duplicate_resource",
        "message": "A record with this account number already exists. Please use different details or check your existing records."
      }
    }
  ]
}

{
  "status": "error",
  "message": "Validation failed for one or more fields",
  "type": "error_validation_error",
  "validations": [
    {
      "counterparty_id": {
        "type": "error_resource_not_found",
        "message": "We couldn't find that counterparty. It may have been deleted or the ID might be incorrect."
      }
    }
  ]
}

Keep data.id (01HXYZ5000ABCDEFGHJKMNPQRS). Step 3 uses it as payment_detail_id. See Create payment details.

Step 3: Send the transfer

Create a book-transfer from your account. amount is in minor units. Use a new unique_reference for each payment.

# Run this for every payment. The amount excludes the fee.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Invoice 1042",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

const res = await fetch("https://api.nuvion.dev/transfers", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.NUVION_API_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    account_id: "01HXYZ4000ABCDEFGHJKMNPQRS", // your account that pays
    counterparty_id: "01HXYZ3000ABCDEFGHJKMNPQRS", // from Step 1
    payment_detail_id: "01HXYZ5000ABCDEFGHJKMNPQRS", // from Step 2
    amount: 5000, // minor units, so 5000 is GBP 50.00, not including the fee
    currency: "GBP",
    narration: "Invoice 1042",
    payment_type: "book-transfer",
    unique_reference: "PAY-2026-0001", // use a new value for every payment
  }),
});
console.log(res.status, await res.json());

import os
import requests

res = requests.post(
    "https://api.nuvion.dev/transfers",
    headers={"Authorization": f"Bearer {os.environ['NUVION_API_KEY']}"},
    json={
        "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",  # your account that pays
        "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",  # from Step 1
        "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",  # from Step 2
        "amount": 5000,  # minor units, so 5000 is GBP 50.00, not including the fee
        "currency": "GBP",
        "narration": "Invoice 1042",
        "payment_type": "book-transfer",
        "unique_reference": "PAY-2026-0001",  # use a new value for every payment
    },
)
print(res.status_code, res.json())

require "net/http"
require "json"

uri = URI("https://api.nuvion.dev/transfers")
req = Net::HTTP::Post.new(uri, "Authorization" => "Bearer #{ENV['NUVION_API_KEY']}", "Content-Type" => "application/json")
req.body = {
  "account_id" => "01HXYZ4000ABCDEFGHJKMNPQRS",  # your account that pays
  "counterparty_id" => "01HXYZ3000ABCDEFGHJKMNPQRS",  # from Step 1
  "payment_detail_id" => "01HXYZ5000ABCDEFGHJKMNPQRS",  # from Step 2
  "amount" => 5000,  # minor units, so 5000 is GBP 50.00, not including the fee
  "currency" => "GBP",
  "narration" => "Invoice 1042",
  "payment_type" => "book-transfer",
  "unique_reference" => "PAY-2026-0001",  # use a new value for every payment
}.to_json
res = Net::HTTP.start(uri.hostname, uri.port, use_ssl: true) { |http| http.request(req) }
puts "#{res.code} #{res.body}"

<?php
$ch = curl_init("https://api.nuvion.dev/transfers");
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        "Authorization: Bearer " . getenv("NUVION_API_KEY"),
        "Content-Type: application/json",
    ],
    CURLOPT_POSTFIELDS => json_encode([
        "account_id" => "01HXYZ4000ABCDEFGHJKMNPQRS", // your account that pays
        "counterparty_id" => "01HXYZ3000ABCDEFGHJKMNPQRS", // from Step 1
        "payment_detail_id" => "01HXYZ5000ABCDEFGHJKMNPQRS", // from Step 2
        "amount" => 5000, // minor units, so 5000 is GBP 50.00, not including the fee
        "currency" => "GBP",
        "narration" => "Invoice 1042",
        "payment_type" => "book-transfer",
        "unique_reference" => "PAY-2026-0001", // use a new value for every payment
    ]),
]);
$body = curl_exec($ch);
echo curl_getinfo($ch, CURLINFO_HTTP_CODE), " ", $body, "\n";

package main

import (
	"bytes"
	"encoding/json"
	"fmt"
	"io"
	"net/http"
	"os"
)

func main() {
	payload, _ := json.Marshal(map[string]any{
		"account_id":        "01HXYZ4000ABCDEFGHJKMNPQRS", // your account that pays
		"counterparty_id":   "01HXYZ3000ABCDEFGHJKMNPQRS", // from Step 1
		"payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS", // from Step 2
		"amount":            5000,                         // minor units, so 5000 is GBP 50.00, not including the fee
		"currency":          "GBP",
		"narration":         "Invoice 1042",
		"payment_type":      "book-transfer",
		"unique_reference":  "PAY-2026-0001", // use a new value for every payment
	})
	req, _ := http.NewRequest("POST", "https://api.nuvion.dev/transfers", bytes.NewReader(payload))
	req.Header.Set("Authorization", "Bearer "+os.Getenv("NUVION_API_KEY"))
	req.Header.Set("Content-Type", "application/json")
	res, err := http.DefaultClient.Do(req)
	if err != nil {
		panic(err)
	}
	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)
	fmt.Println(res.StatusCode, string(body))
}

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;

public class PayNuvionAccount {
    public static void main(String[] args) throws Exception {
        String json = "{"
            // your account that pays
            + "\"account_id\": \"01HXYZ4000ABCDEFGHJKMNPQRS\","
            // from Step 1
            + "\"counterparty_id\": \"01HXYZ3000ABCDEFGHJKMNPQRS\","
            // from Step 2
            + "\"payment_detail_id\": \"01HXYZ5000ABCDEFGHJKMNPQRS\","
            // minor units, so 5000 is GBP 50.00, not including the fee
            + "\"amount\": 5000,"
            + "\"currency\": \"GBP\","
            + "\"narration\": \"Invoice 1042\","
            + "\"payment_type\": \"book-transfer\","
            // use a new value for every payment
            + "\"unique_reference\": \"PAY-2026-0001\""
            + "}";
        HttpRequest request = HttpRequest.newBuilder(URI.create("https://api.nuvion.dev/transfers"))
            .header("Authorization", "Bearer " + System.getenv("NUVION_API_KEY"))
            .header("Content-Type", "application/json")
            .POST(HttpRequest.BodyPublishers.ofString(json))
            .build();
        HttpResponse<String> response = HttpClient.newHttpClient()
            .send(request, HttpResponse.BodyHandlers.ofString());
        System.out.println(response.statusCode() + " " + response.body());
    }
}

using System.Net.Http.Json;

using var client = new HttpClient();
client.DefaultRequestHeaders.Add("Authorization", "Bearer " + Environment.GetEnvironmentVariable("NUVION_API_KEY"));

var res = await client.PostAsJsonAsync("https://api.nuvion.dev/transfers", new
{
    account_id = "01HXYZ4000ABCDEFGHJKMNPQRS", // your account that pays
    counterparty_id = "01HXYZ3000ABCDEFGHJKMNPQRS", // from Step 1
    payment_detail_id = "01HXYZ5000ABCDEFGHJKMNPQRS", // from Step 2
    amount = 5000, // minor units, so 5000 is GBP 50.00, not including the fee
    currency = "GBP",
    narration = "Invoice 1042",
    payment_type = "book-transfer",
    unique_reference = "PAY-2026-0001", // use a new value for every payment
});
Console.WriteLine($"{(int)res.StatusCode} {await res.Content.ReadAsStringAsync()}");

{
  "status": "success",
  "message": "Transfer created successfully",
  "data": {
    "id": "01HXYZ6000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "unique_reference": "PAY-2026-0001",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "entity_id": "01HXYZ2000ABCDEFGHJKMNPQRS",
    "status": "successful",
    "status_reason": "processing_complete",
    "narration": "Invoice 1042",
    "type": "outflow",
    "payment_type": "book-transfer",
    "applicable_fee": 500,
    "meta": {
      "provider_reference": null
    },
    "created": 1793813763827,
    "updated": 1793813765868
  }
}

{
  "status": "error",
  "message": "A record with this unique_reference, entity_id already exists. Please use different details or check your existing records.",
  "type": "error_duplicate_resource"
}

{
  "status": "error",
  "message": "You don't have enough funds for this transfer. Your available balance is 90,917.82 GBP.",
  "type": "error_transfer_insufficient_funds"
}

{
  "status": "error",
  "message": "You can't perform this action right now due to the current status. Please try again later or contact support.",
  "type": "error_operation_invalid_for_state"
}

{
  "status": "error",
  "message": "You can't perform this action right now due to the current status. Please try again later or contact support.",
  "type": "error_operation_invalid_for_state"
}

{
  "status": "error",
  "message": "We couldn't find that account | counterparty | payment_detail. It may have been deleted or the ID might be incorrect.",
  "type": "error_resource_not_found"
}

{
  "status": "error",
  "message": "Validation failed for one or more fields",
  "type": "error_validation_error",
  "validations": [
    {
      "amount": {
        "type": "error_validation_value_out_of_range",
        "message": "The value for 'amount' should be between 1 and 9007199254740991."
      }
    }
  ]
}

{
  "status": "error",
  "message": "Validation failed for one or more fields",
  "type": "error_validation_error",
  "validations": [
    {
      "amount": {
        "type": "error_validation_invalid_format",
        "message": "The 'amount' format isn't valid. Please use the correct format."
      }
    }
  ]
}

{
  "status": "error",
  "message": "Your credentials are invalid or have expired. Please check your credentials and try again",
  "type": "error_auth_credentials_invalid"
}

The transfer is successful straight away, because a book transfer settles immediately. applicable_fee is the fee debited from your account on top of amount, in minor units. See Create a transfer for every field and error.

Scenarios

The three steps are the same in every scenario. What changes is the key you use, whether you send entity_id, and whose nuvion_ban goes in Step 2.

Scenario	When to use it	API key	`entity_id`	Recipient account (Step 2)
Between two of your own accounts	Move money between your operating account and a payroll or tax account.	Yours	Leave out	Other account’s `nuvion_ban`
To another Nuvion customer	Pay a supplier or partner that also banks with Nuvion. They have the funds straight away.	Yours	Leave out	Their `nuvion_ban`
From a child to its parent	Move surplus cash from a subsidiary or branch to head office (a sweep).	The parent’s	Child’s ID, every call	Parent’s `nuvion_ban`
From a parent to a child	Fund a new subsidiary or top up a branch’s operating float.	The parent’s	Leave out	Child’s `nuvion_ban`
Between two children of one parent	Settle intercompany charges, such as one subsidiary billing another for shared services.	The parent’s	Paying child’s ID, every call	Other child’s `nuvion_ban`
From a child to another customer	Let a subsidiary pay an outside vendor from its own account, so the expense stays on its books.	The parent’s	Child’s ID, every call	Their `nuvion_ban`
From another customer to a child	Let a client pay a specific subsidiary directly, so the revenue lands in the right entity.	Theirs	Leave out	Child’s `nuvion_ban`

Each tab shows Step 3 for one scenario.

# Your key.
# No entity_id.
# account_id is the account that pays; account_number in Step 2 is your other account's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Transfer to payroll account",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

# Your key.
# No entity_id.
# account_number in Step 2 is the other customer's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Invoice 1042",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

# The parent's key.
# entity_id is the child that pays, on every call.
# account_number in Step 2 is the parent account's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "entity_id": "01HXYZ7000ABCDEFGHJKMNPQRS",
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Surplus to head office",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

# The parent's key.
# No entity_id, because the parent pays.
# account_number in Step 2 is the child account's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Monthly float top-up",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

# The parent's key.
# entity_id is the child that pays, on every call.
# account_number in Step 2 is the other child's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "entity_id": "01HXYZ7000ABCDEFGHJKMNPQRS",
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Intercompany delivery charges",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

# The parent's key.
# entity_id is the child that pays, on every call.
# account_number in Step 2 is the other customer's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "entity_id": "01HXYZ7000ABCDEFGHJKMNPQRS",
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Office rent",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

# The other customer's key.
# No entity_id.
# account_number in Step 2 is the child account's nuvion_ban.
curl -X POST https://api.nuvion.dev/transfers \
  -H "Authorization: Bearer $NUVION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "01HXYZ4000ABCDEFGHJKMNPQRS",
    "counterparty_id": "01HXYZ3000ABCDEFGHJKMNPQRS",
    "payment_detail_id": "01HXYZ5000ABCDEFGHJKMNPQRS",
    "amount": 5000,
    "currency": "GBP",
    "narration": "Consulting fees",
    "payment_type": "book-transfer",
    "unique_reference": "PAY-2026-0001"
  }'

In every scenario the sender pays the fee on top of the amount, the recipient is credited the full amount, and the transfer is successful straight away.

What the recipient sees

The recipient’s account records an inflow with payment_type book-transfer and status successful. It carries the amount, the currency and your narration, so the recipient can reconcile it against an invoice or reference. It doesn’t carry your request meta. Its applicable_fee follows the recipient’s own pricing, not yours. The recipient learns about it in either of two ways:

Webhook: an inflows.completed event, if they subscribe to it.
API: GET /transfers?type=inflow&payment_type=book-transfer, as described in List transfers.

Send from or to a child entity

To send from a child entity’s account, send the child’s entity_id on every call, as described in Managing child entities. The recipient can be the parent: use the parent account’s nuvion_ban as the account_number. Between a parent and its children, or between two children of the same parent, the flow is the same. If you leave entity_id off Step 1, Nuvion creates the counterparty under the parent. Step 2 then returns 422 and Step 3 returns 404, because the child can’t see it.

Handle errors

Each step’s response box has a tab for every failure listed here, with the exact body Nuvion returns.

Situation	Step	Status	`type`	What to do
A required field is missing, such as `profile`	1	`422`	`error_validation_error`	The `validations` array names the field.
The recipient’s account number isn’t a Nuvion account	2	`422`	`error_validation_error`	Check the `nuvion_ban` with the recipient. The `validations` array names `account_number` with `error_resource_not_found`.
The account number is already on the counterparty	2	`422`	`error_validation_error`	Reuse the payment detail you already created. The `validations` array names `account_number` with `error_duplicate_resource`.
The call leaves out the child’s `entity_id`	1 to 3	none, `422`, `404`	`error_resource_not_found`	Send `entity_id` on every call when you act for a child.
The `unique_reference` was already used	3	`409`	`error_duplicate_resource`	The first request already went through, so don’t send it again. Use a new reference for a new payment.
The amount plus the fee is more than the available balance	3	`400`	`error_transfer_insufficient_funds`	Send a smaller amount. The message shows the available balance.
The payment detail’s currency doesn’t match the recipient’s account	3	`400`	`error_operation_invalid_for_state`	Add a new payment detail with the currency of the recipient’s account.
The payment detail points at the account that pays	3	`400`	`error_operation_invalid_for_state`	Pay a different account. Nuvion returns the same response as for a currency mismatch.
The `amount` is `0`, negative or not a whole number	3	`422`	`error_validation_error`	Send a whole number of at least `1`. The `validations` array names `amount`.
The API key is wrong or belongs to the other environment	Any	`401`	`error_auth_credentials_invalid`	Use a key for the environment you are calling.

error_operation_invalid_for_state has more than one cause, so check both the currency and the destination account when you see it.

Get Started

Core Concepts

Webhooks

Guides

Send Within Nuvion

When to use a book transfer

How it differs from other payouts

Before you start

Step 1: Create a counterparty

Step 2: Add the recipient’s account as a payment detail

Step 3: Send the transfer

Scenarios

What the recipient sees

Send from or to a child entity

Handle errors

​When to use a book transfer

​How it differs from other payouts

​Before you start

​Step 1: Create a counterparty

​Step 2: Add the recipient’s account as a payment detail

​Step 3: Send the transfer

​Scenarios

​What the recipient sees

​Send from or to a child entity

​Handle errors

When to use a book transfer

How it differs from other payouts

Before you start

Step 1: Create a counterparty

Step 2: Add the recipient’s account as a payment detail

Step 3: Send the transfer

Scenarios

What the recipient sees

Send from or to a child entity

Handle errors