# Create a Transfer
source: https://developer.mastercard.com/mastercard-send-funding/documentation/use-cases/create-transfer/index.md

This example flow shows how you use a **Funding API POST** request to create a funding transfer. For details of using the API and sample requests and responses, see [API Reference](https://developer.mastercard.com/mastercard-send-funding/documentation/api-reference/index.md).

### Example sequence {#example-sequence}

Diagram mastercard-send-sequence-funding-post

1. You send a [Funding API POST](https://developer.mastercard.com/mastercard-send-funding/documentation/api-reference/index.md) request to Mastercard Send, including a unique `transfer_reference` value that you generated for this transaction, for example 'fun_000001328'.

   API endpoint: `.../v1/partners/{partnerId}/transfers/funding`

   Example: `.../v1/partners/ptnr_BEeCrYJHh2BXTXPy_PEtp-8DBOo/transfers/funding`

   Your request can include a `decline_details` query parameter that determines the type of API response when a transfer is declined. If set to 'true', a decline will be a 201 response with extra details. Otherwise, it will be a 402 error message.

   This example is a 'Transfer to Own Staged Digital Wallet Account' for $100 USD, so the request payload might start as follows:
   * JSON
   * XML

   ```JSON
   {
     "funding_transfer": {
       "transfer_reference": "fun_000001328",
       "payment_type": "SWL",
       "amount": "10000",
       "currency": "USD",
       ...
   ```

   ```XML
   <funding_transfer>
     <transfer_reference>fun_000001328</transfer_reference>
     <payment_type>SWL</payment_type>
     <amount>10000</amount>
     <currency>USD</currency>
     ...
   ```

2. Mastercard Send validates your API request and checks the values against settings applicable to your implementation. If the API request fails validation, Mastercard Send stops processing the request and returns a 4xx error message with the appropriate [error code](https://developer.mastercard.com/mastercard-send-funding/documentation/response-error-codes/error-codes/index.md).

3. If your API request passes the validation and checks, Mastercard routes a Funding Transaction request message to the issuer that holds the sending account.

4. The issuer validates the request, determines whether it approves the transaction, and includes its decision in a Funding Transaction response message to Mastercard.

5. If the issuer approves the transaction, it debits the sending account.

6. Mastercard processes the response and sends a Funding API response to you.

The API response depends on the [transfer status](https://developer.mastercard.com/mastercard-send-funding/documentation/response-error-codes/status/index.md):

|       Status       |                                                                                                                                                                                    Response type                                                                                                                                                                                     |
|--------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Approved (success) | 201 response with `status` value as 'APPROVED'.                                                                                                                                                                                                                                                                                                                                      |
| Declined           | If `decline_details` query parameter was set to 'true': 201 response with `status` value as 'DECLINED'. Some `transaction` array values indicate the decline reason, see [Network Response Codes](https://developer.mastercard.com/mastercard-send-funding/documentation/response-error-codes/network-response-codes/index.md). Otherwise: 402 error with `ReasonCode` as 'DECLINE'. |
| Unknown            | 202 response with `status` value as 'UNKNOWN', see [this guidance](https://developer.mastercard.com/mastercard-send-funding/documentation/response-error-codes/unknown-response/index.md).                                                                                                                                                                                           |

201 and 202 responses include:

* `id` = A system-generated Transfer ID for the funding transfer, for example 'trn_1357924680', which can be used to retrieve its details.
* `transaction_history.data.transaction[].id` = A Transaction ID for the associated Funding Transaction, for example 'txn_A9B8C7D6E5F4G3H2'.

If you need to reverse an approved funding transfer, you will need to provide its Transfer ID and Transaction ID.

If you receive a 202 or 402 response, you can do a GET call after a few seconds to [retrieve](https://developer.mastercard.com/mastercard-send-funding/documentation/use-cases/retrieve-transfer/index.md) the latest transfer status and more details.