Skip to main content

​
Financial Operations

Complete API reference for post-activation financial operations including wallet management, beneficiaries, transfers, and payments.
Base URL: https://sandbox.finhub.cloud/api/v2.1/fintrans
For complete details on authentication and headers, refer to the Standard HTTP Headers reference documentation.

​
Prerequisites

Before accessing financial operations:
  • Customer account ACTIVATED (individual or organization)
  • Wallet status = ACTIVE
  • Valid JWT token from session
  • Sufficient wallet balance (for outgoing transfers)
Activation Required: All financial operations require account activation. Attempting to access before activation returns 404 or 422 errors.

​
Complete Financial Journey

PhaseOperationTimePrerequisites
1. Wallet SetupCheck balance, fund wallet< 5 minAccount activated
2. BeneficiariesAdd payment recipients< 5 minValid recipient details
3. Payment ConsentsCreate authorization< 5 minBeneficiaries added (optional)
4. Execute TransferPrepare → Execute → Monitor< 2 minBeneficiary + consent + balance
5. ApprovalsMulti-signature (if required)VariesHigh-value or policy-based

​
Quick Start: First Transfer

​
Step 1: Check Wallet Balance

GET /fintrans/{accountId}/balance

​
Step 2: Add Beneficiary

POST /fintrans/{accountId}/beneficiaries

​
Step 3: Prepare Transfer

POST /fintrans/{accountId}/types/transfer/prepare

​
Step 4: Execute Transfer

POST /fintrans/{accountId}/types/transfer/execute

​
Step 5: Monitor Status

GET /fintrans/{accountId}/orders/{orderId}

Account Operations

Prepare and execute financial operations on accounts

Transfers & Payments

Create and execute transfers, top-ups, and withdrawals

Beneficiaries

Manage payment beneficiaries

Payment Consents

Manage payment consents and approvals

​
Transaction Flow

​
Operation Types

TypeDirectionDescriptionUse Case
topupIncomingAdd funds to walletDeposits, bank transfers in
transferOutgoingSend to beneficiarySEPA, SWIFT payments
withdrawOutgoingRemove from walletCash out to bank
purchaseOutgoingMerchant paymentCard payments
saleIncomingReceive paymentMerchant receiving funds

​
API Endpoints Overview

​
Wallet Operations

  • GET /fintrans/{accountId}/balance - Check current balance
  • GET /fintrans/{accountId}/balance-history - Balance over time
  • POST /wallets/{walletId}/funding - Fund wallet (sandbox only)

​
Beneficiary Management

  • GET /fintrans/{accountId}/beneficiaries - List all beneficiaries
  • POST /fintrans/{accountId}/beneficiaries - Add new beneficiary
  • GET /fintrans/{accountId}/beneficiaries/{beneficiaryId} - Get details
  • DELETE /fintrans/{accountId}/beneficiaries/{beneficiaryId} - Remove beneficiary

​
Payment Consents

  • POST /fintrans/{walletId}/payment-consents/types/transfer - Create consent
  • GET /fintrans/{walletId}/payment-consents - List consents
  • PATCH /fintrans/{walletId}/payment-consents/{consentId} - Update consent
  • DELETE /fintrans/{walletId}/payment-consents/{consentId} - Revoke consent

​
Transfers & Payments

  • POST /fintrans/{accountId}/types/transfer/prepare - Prepare transfer
  • POST /fintrans/{accountId}/types/transfer/execute - Execute transfer
  • GET /fintrans/{accountId}/orders/{orderId} - Get order status

​
Approvals (High-Value)

  • POST /fintrans/{accountId}/types/{type}/consents - Create approval request
  • POST /fintrans/{accountId}/types/{type}/consents/{consentId}/sign - Sign approval
  • GET /consents/pending - List pending approvals

Standard Headers

Required HTTP headers for all endpoints

API Schema Mapping

Complete OpenAPI specifications

Individual Activation

Activate individual account first

Organization Activation

Activate organization account first

​
Changelog

VersionDateChanges
v1.02026-01-13Comprehensive financial operations overview