Idempotency-Key header so a retried request never creates a duplicate.
Methods
| Method | Deposit | Withdrawal | Notes |
|---|---|---|---|
ach | ✓ | ✓ | Automated pull/push against a linked bank account. Requires a funding_source_id. |
manual_bank_transfer | ✓ | ✓ | User transfers manually using bank instructions Bluum returns. |
wire | ✓ | ✓ | Domestic wire. |
international_wire | ✓ | ✓ | Cross-border wire. |
card | ✓ | — | Card-funded deposit. |
Funding sources
A funding source (prefixedfs_) is a linked bank account. ACH deposits and all withdrawals reference one via funding_source_id. Sources are created two ways:
- Plaid — the user links a bank through Plaid Link. Your backend creates a link token, the frontend runs Plaid Link, and you exchange the returned
public_tokenfor a funding source. - Manual — you submit bank details (
bank_name,account_holder_name,account_number, and so on) directly.
type (plaid or manual) and returns the fs_ id to store.
Transfer lifecycle
Deposits and withdrawals share one external status vocabulary:| Status | Meaning |
|---|---|
pending | Transfer created, not yet initiated |
processing | In flight with the bank |
completed | Funds settled |
cancelled | Canceled before settlement |
failed | Rejected (insufficient funds, bank error) |
pending can be canceled.
The end-to-end Plaid link and deposit flow is in
Fund a wallet; disbursing funds is in
Withdraw funds. Request and response schemas
live in the API reference.