Internal Domestic Transfer

An internal domestic transfer allows you to securely move funds between your Localpayment accounts within the same country and currency. This feature is ideal for managing liquidity across multiple accounts or redistributing funds for operational efficiency.

Use Cases

Portfolio Rebalancing: Dynamically reallocate capital across client portfolios to swiftly capitalize on market movements and adhere to strategic investment mandates.
Centralized Liquidity Management: Consolidate cash positions from various operational accounts to optimize working capital, ensure timely payments, and maximize fund utilization.
Structured Fund Distribution: Automate the disbursement of budgets to departments, projects, or cost centers from a central account while maintaining full visibility and control.
Regulatory & Risk Compliance: Proactively manage capital reserves and risk buffers by segregating funds across designated account types to meet regulatory requirements and internal policies.

Prerequisites

Before initiating internal domestic transfers, ensure you have:

Sufficient funds in your source account
Valid API credentials with internal transfer permissions
Account verification for both source and destination accounts
Same country registration for both accounts

⚠️
Important
Both accounts must be registered in the same country.

API Integration

To create Internal Domestic Transfer, send a POST request to the Create Internal Transfer endpoint.

Endpoint

POST https://api.stage.localpayment.com/api/internal-transfer

Authentication

Authorization: Bearer <your_access_token>

Key Request Parameters

Parameter	Type	Description
`externalId`	string	Your unique transaction identifier
`country`	string	ISO alpha-3 country code
`currency`	string	ISO currency code
`amount`	number	Transfer amount
`transactionType`	string	Must be "InternalDomesticTransfer"
`client.from.accountNumber`	string	Source account number
`client.to.accountNumber`	string	Destination account number

Request Example

curl --request POST \
      --url https://api.stage.localpayment.com/api/internal-transfer \
      --header 'Authorization: Bearer <your_access_token>' \
      --header 'Accept: application/json' \
      --header 'Content-Type: application/json' \
      --data '{
        "externalId": "8888ad65-aa6e-4643-b9ba-ff62318fd90b",
        "country": "ARG",
        "currency": "ARS",
        "amount": 1000,
        "transactionType": "InternalDomesticTransfer",
        "client": {
          "type": "Client",
          "from": {
            "accountNumber": "032.032.00000078"
          },
          "to": {
            "accountNumber": "032.032.00000079"
          }
        }
      }'

Response Handling

Our API provides comprehensive response data for effective transaction management and reconciliation.

Success Response

{
    "transactionType": "InternalDomesticTransfer",
    "externalId": "8888ad65-aa6e-4643-b9ba-ff62318fd90b",
    "internalId": "cda1c606-a14f-4cab-a323-82c09f2ca8b1",
    "country": "ARG",
    "currency": "ARS",
    "clientCode": "0001",
    "creationDate": "2025-10-14T15:44:53.374+00:00",
    "errors": [],
    "status": {
        "code": "200",
        "description": "Completed",
        "detail": "INTERNAL TRANSFER"
    },
    "amount": 1000,
    "client": {
        "type": "Client",
        "from": {
            "clientCode": "0001",
            "accountNumber": "032.032.00000078"
        },
        "to": {
            "clientCode": "0001",
            "accountNumber": "032.032.00000079",
            "amount": 966.0
        }
    },
    "fees": {
        "description": "Fee",
        "currency": "ARS",
        "amount": 21.0,
        "account": "032.032.00000078"
    },
    "localTaxes": [
        {
            "code": "0001",
            "percentage": 1.3,
            "description": "IDC",
            "currency": "ARS",
            "fxSource": 1360.092976,
            "fxQuote": 0.0,
            "amount": 13.0,
            "account": "032.032.00000078"
        }
    ],
    "withHoldings": [],
    "code": "200"
}

Key Response Fields

Field	Description
`internalId`	System-generated unique identifier for tracking
`status.code`	Transaction status: 200 (COMPLETED), 702+ (ERRORS)
`client.to.amount`	Net amount credited to destination account
`fees.amount`	Total processing fees deducted
`localTaxes`	Array of applicable local taxes
`payment.creditedAmount`	Final amount received in destination account

Error Responses

    {
      "externalId": "TXN_INVALID_123",
      "internalId": "fc2c831c-d0f1-41f6-8a59-0ecd426c087d",
      "errors": [
        {
          "code": "702",
          "detail": "Account not configured for InternalDomesticTransfer"
        },
        {
          "code": "703", 
          "detail": "Account countries must match"
        },
        {
          "code": "704",
          "detail": "Insufficient funds in source account"
        }
      ],
      "status": {
        "code": "702",
        "description": "REJECTED",
        "detail": "Configuration validation failed"
      }
    }

Transaction Status Tracking

Monitor your currency exchanges through multiple channels:

Webhooks (Recommended)

Receive real-time notifications when transaction status changes. Most efficient for production environments.

Status API Endpoint

Query transaction status programmatically. Useful for polling or recovering lost webhook notifications.

Dashboard View

Visual interface for monitoring transactions. Great for manual oversight and detailed transaction analysis.

Status Lifecycle

Code	Status	Description
`100`	InProgress	InProgress
`102`	PendingDebit	Pending Debit
`103`	PendingCredit	Pending Credit
`200`	Completed	INTERNAL TRANSFER
`303`	Rejected	This exchange rate token has expired.

🗒️
Complete Reference
View all status codes in our Transaction Status Documentation.

Resources & Next Steps

Maximize your integration success with these essential resources

Webhook Integration

Set up real-time notifications for transaction status updates.

Reporting Dashboard

Access detailed analytics, reporting tools, and reconciliation features.

Transaction Monitoring

Learn to query transaction status and implement comprehensive tracking.

API Reference

Complete endpoint documentation with interactive examples.

✅
Pro Tip
Always test your workflow in our sandbox environment before deploying to production. This ensures your error handling, webhook processing, and status tracking work correctly across all scenarios.

🎧
Need Help?
Contact our support team if you experience any issues or need assistance for integration.