Initiate Transfer

Initiates a fund transfer from a user’s FULL_KYC_PPI sub-wallet to a beneficiary account. Supports multiple transfer modes including RTGS, NEFT, IMPS, and UPI. It is an async request by default.

The beneficiary can be specified using either:

• Existing beneficiary ID and instrument ID
• New instrument details (bank account or UPI)

POST /ppi/wallet/transfer

cURL

existingBeneficiary

curl --request POST \
  --url https://api.cashfree.com/ppi/wallet/transfer \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "user_id": "USER827364",
  "wallet_id": "WALLET936721",
  "cf_sub_wallet_id": "35246543210987654321",
  "transfer_id": "TRANSFER123456",
  "amount": 500.75,
  "transfer_mode": "NEFT",
  "bene_details": {
    "bene_id": "BENE123",
    "bene_instrument_id": "INST456"
  },
  "auth": {
    "mode": "OTP_VERIFICATION",
    "data": {
      "notification_modes": [
        "SMS",
        "WHATSAPP"
      ]
    }
  },
  "purpose": "BUSINESS",
  "remarks": "Vendor payment",
  "notes": {
    "example_key": "example_value"
  }
}
'

200

transfer_received_response

{
  "user_id": "USER827364",
  "wallet_id": "WALLET936721",
  "cf_transfer_id": "8901234567890123456",
  "transfer_id": "TRANSFER123456",
  "amount": 500.75,
  "transfer_mode": "NEFT",
  "sub_wallet": {
    "cf_sub_wallet_id": "35246543210987654321",
    "name": "Cashfree payout Wallet",
    "type": "FULL_KYC_PPI",
    "status": "ACTIVE",
    "balance": 9500.86,
    "available_balance": 9500.86,
    "funds_on_hold": 0
  },
  "status": "RECEIVED",
  "status_code": "RECEIVED",
  "bank_ref_no": null,
  "bene_details": {
    "bene_id": "BENE123",
    "cf_bene_instrument_id": "35246543210987654323",
    "instrument_details": {
      "bank_account_number": "1234567890",
      "ifsc": "HDFC0000123"
    }
  },
  "auth": {
    "mode": "OTP_VERIFICATION",
    "data": {
      "notification_modes": [
        "SMS",
        "WHATSAPP"
      ]
    }
  },
  "purpose": "BUSINESS",
  "remarks": "Vendor payment",
  "notes": {
    "example_key": "example_value"
  },
  "initiated_at": "2025-09-02T10:15:30Z",
  "processed_at": null
}

Get Transfer Detail/Status
Use the Get Transfer Details API to get the details of the transfer request.

OTP verification
Call Verify Transfer OTP with the OTP before the transfer is sent for bank processing.

Click to view the response codes.

HTTP status code	Status	Status code	Status description	Next action	Try again via Cashfree Payments
200	APPROVAL_PENDING	VELOCITY_CHECK_FAILED	The transfer requires an approval as the count of transfers to a particular beneficiary etc have breached the limit. You can approve or reject the transfer request from the Cashfree Merchant Dashboard.	You can approve/reject the transfer on the Merchant Dashboard and go to Transfers > Approve. Post the transfer is approved, the request is sent to the partner bank for further processing.	-
200	APPROVAL_PENDING	TRANSFER_LIMIT_BREACH	The transfer requires an approval as the transfer amount etc have breached the limit. You can approve or reject the transfer request from the Cashfree Merchant Dashboard.	You can approve/reject the transfer on the Merchant Dashboard and go to Transfers > Approve. Post the transfer is approved, the request is sent to the partner bank for further processing.	-
200	APPOVAL_PENDING	APPROVAL_PENDING	The transfer requires approval. You can approve or reject the transfer request from the Cashfree Merchant Dashboard.	You can approve/reject the transfer on the Merchant Dashboard and go to Transfers > Approve. Post the transfer is approved, the request is sent to the partner bank for further processing.	-
200	FAILED	WAIT_TIME_EXCEEDED	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree Payments to reattempt with the partner bank(s).	Yes
200	FAILED	BENE_BANK_DECLINED	The transfer has failed because the beneficiary bank has declined the transfer. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	-	Yes
200	FAILED	IMPS_MODE_FAIL	The transfer has failed because the beneficiary account does not support IMPS transfers. This rejection is done by the partner bank for the specific beneficiary account. You can try NEFT or other channels to do the disbursals.	You can try NEFT or other channels to do the disbursals.	Yes, via a different mode.
200	FAILED	SOURCE_BANK_DECLINED	The transfer has failed because our partner bank has declined the transfer because of their internal checks, technical declines etc. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with other partner bank(s).	Yes
200	FAILED	CONNECTION_TIMEOUT	The transfer has failed because there was a connection timeout between the bank and Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	Yes
200	FAILED	PPI_INTERNAL_ERROR	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	Yes
200	FAILED	NPCI_UNAVAILABLE	The transfer has failed because NPCI was unavailable to complete the transfer request. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree. The success of the request is contingent on NPCI services being up.	-	Yes, after some time.
200	FAILED	DEST_LIMIT_REACHED	The transfer has failed because the beneficiary account has breached the limit of receiving funds. This rejection is done by the beneficiary bank for the specific beneficiary account. You can reinitiate the transfer after a while via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). The success of the request is contingent on beneficiary’s limit being available to receive incoming funds.	-	Yes, after some time.
200	FAILED	RETURNED_FROM_BENEFICIARY	The transfer has failed because the beneficiary bank has returned the transfer and has not need able to credit funds to the end beneficiary. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	-	-
200	FAILED	PPI_INTERNAL_ERROR	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	-
200	FAILED	INVALID_BENE_ACCOUNT_OR_IFSC	The transfer has failed because the beneficiary account or IFSC is invalid. After correcting the beneficiary account or IFSC, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	-
200	FAILED	PPI_INTERNAL_ERROR	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	-
200	FAILED	FAILED	The transfer has failed because there was an intermittent issue at the partner bank’s end. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	FAILED	PPI_INTERNAL_ERROR	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	-
200	FAILED	INSUFFICIENT_BALANCE	The transfer has failed because of low balance in your Cashfree Wallet/ Bank Account. After recharging the account, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After recharging the account, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after recharging.
200	FAILED	INVALID_BENE_VPA	The transfer has failed because the beneficiary VPA is invalid. After correcting the VPA handle, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the VPA handle, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting VPA handle.
200	FAILED	INVALID_IFSC_FAIL	The transfer has failed because the IFSC is invalid. After correcting the IFSC, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the IFSC, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting IFSC.
200	FAILED	BAD_GATEWAY	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	FAILED	INVALID_AMOUNT_FAIL	The transfer has failed because the amount entered is invalid. After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting amount
200	FAILED	INVALID_ACCOUNT_FAIL	The transfer has failed because the Account Number of the beneficiary is invalid, as per our partner bank. After correcting the account number, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the account number, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting account number
200	FAILED	INVALID_REQUEST	The transfer has failed because the transfer request is invalid, as per our partner bank, because of exceeding the character limit of certain parameter, wrong input etc. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	-
200	FAILED	ACCOUNT_BLOCKED	The transfer has failed because the account is blocked, as per our partner bank. After getting the account unblocked, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After getting the account unblocked, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after unblocking the account number
200	FAILED	DEBIT_FAILURE	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	FAILED	BENEFICIARY_BANK_OFFLINE	The transfer has failed because the respective beneficiary bank is offline. After some time, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After some time, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time
200	FAILED	AUTHENTICATION_FAILURE	The transfer has failed because there was an authentication failure at the partner bank’s end. After checking with the partner bank, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	This is a scenario when the API access is not working at the partner bank’s end. After checking with the partner bank, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	FAILED	NRE_ACCOUNT_FAIL	The transfer has failed because the beneficiary account is an NRE Account and transfers to NRE Accounts are not supported, as per our partner bank.	Get a new account(non-NRE account) from the beneficiary; you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	FAILED	SOURCE_LIMIT_REACHED	The transfer has been failed by the partner bank as the source bank account has reached a limit of transferring funds. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	If you are on Cashfree Wallet, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). If you are on Connected Bank, you need to recharge your bank account and then reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time
200	FAILED	BANK_GATEWAY_ERROR	The transfer has failed because there was an intermittent issue at the partner bank’s end. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	FAILED	BAD_REQUEST	The transfer has failed because the details of the transfer request is invalid, as per our partner bank. After correcting the details in the transfer request, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the details in the transfer request, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	FAILED	REINITIALIZE_TRANSFER_LATER	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	MANUALLY_REJECTED	MANUALLY_REJECTED	The transfer has failed because it has been manually rejected by the merchant or any team member user who has the permissions to do the same on Merchant Dashboard. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	If the merchant wants to reinitiate the transfer, they can reinitiate the transfer via Cashfree so that the transfer can be reattempted again with the partner bank(s).	Yes, if you want to reinitiate the transfer
200	PENDING	SENT_TO_BANK	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. This has been sent to the bank by our banking operations team. Please do check statuses or await webhooks to know the terminal state of the transfer request.	Rely on Check Status API or Webhooks.	-
200	PENDING	BANK_GATEWAY_ERROR	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	Rely on Check Status API or Webhooks.	-
200	PENDING	NO_SUCH_REQUEST	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. The bank is not able to find the request at their end as of now, and it has been sent to the bank by our banking operations team. Please do check statuses or await webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	IN_PROCESS	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. Please do check statuses or await webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	ERROR_FETCHING_STATUS	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. The response received from the partner bank has a new code. This has been raised with the bank to understand the new code. Please do check statuses or await webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	TRANSACTION_PROCESSED	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	REQUEST_TIMEDOUT	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. The bank is not able to find the request at their end as of now as the request between the partner bank has probably timed out, and it has been highlighted to the bank by our banking operations team. Please do check statuses or await webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	DUPLICATE	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. The bank claims of receiving a duplicate request at their end as of now. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	PENDING	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	PENDING	SCHEDULED_FOR_NEXT_WORKINGDAY	The transfer is currently in a Pending state, as the bank has scheduled the transfer for the next working day. This typically happens for NEFT/RTGS transfers if they are initiated beyond the cut-off hours or during bank holidays. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	-	-
200	PENDING	SUSPECT	The transfer is currently in a Pending state, as the bank has scheduled the transfer for the next working day. This typically happens for NEFT/RTGS transfers if they are initiated beyond the cut-off hours or during bank holidays. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	-	-
200	PENDING	IMPLEMENTATION_ERROR	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	-	-
200	PENDING	UNKNOWN_ERROR_CODE	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. The response received from the partner bank has a new code. This has been raised with the bank to understand the new code. Please do check statuses or await webhooks to know the terminal state of the transfer request.	-	-
200	QUEUED	QUEUED	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status. You should rely only on Check Status API response or Webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	RECEIVED	RECEIVED	The transfer has been received by Cashfree successfully for further processing. You should use Check Status API response or Webhooks to know the terminal state of the transfer request.	Rely on Check Status API or webhooks.	-
200	REJECTED	BENE_NOT_EXIST	The transfer has been rejected because the beneficiary, added in the transfer request, does not exist. After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after adding the correct beneficiary.
200	REJECTED	INSUFFICIENT_BALANCE	The transfer has been rejected because of low balance in your Cashfree Wallet. After recharging the account, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After recharging the account, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after recharging.
200	REJECTED	INSIDE_BLACKOUT_WINDOW	The transfer has been rejected because the transfer falls under the blackout window defined by you in PPI Protect. You can reinitiate the transfer via Cashfree, after the blackout window or after modifying the blackout window from the Merchant Dashboard, so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree, after the blackout window or after modifying the blackout window from the Merchant Dashboard, so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REJECTED	INVALID_MODE_FOR_PYID	The transfer has been rejected because the payment instrument does not support this mode of transfer. You should get this mode activated on the payment instrument ID by contacting Cashfree, and then initiate a new transfer request.	You should get this mode activated on the payment instrument ID by contacting Cashfree, and then initiate a new transfer request.	Yes, after activating model
200	REJECTED	BENE_BLACKLISTED	The transfer has been rejected because the beneficiary’s bank account and/or VPA handles have been blacklisted by Risk team. You should get a different bank account and/or VPA to send the transfer, or you can connect with Cashfree Team to understand more about this.	You should get a different bank account and/or VPA to send the transfer, or you can connect with Cashfree Team to understand more about this.	Yes, after correcting beneficiary details
200	REJECTED	TRANSFER_NOT_ATTEMPTED	The transfer has failed because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REJECTED	INVALID_TRANSFER_AMOUNT	The transfer has been rejected because the amount entered is invalid. After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting the amount
200	REJECTED	TRANSFER_LIMIT_BREACH	The transfer has been rejected because the amount entered breaches the limits set for your ppi account. After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). You can connect with Cashfree if you are not sure about the transfer limits set for your ppi account.	After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). You can connect with Cashfree if you are not sure about the transfer limits set for your ppi account.	Yes, after adhering to the transfer limits.
200	REJECTED	INVALID_PAYMENT_INSTRUMENT	The transfer has been rejected because the payment instrument (fundsource_id parameter in the API request) used for attempting the transfer is invalid. After correcting the payment instrument, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	After correcting the payment instrument, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting payment instrument
200	REJECTED	PPI_INTERNAL_ERROR	The transfer has been rejected because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REJECTED	VELOCITY_CHECK_FAILED	The transfer has been rejected because the amount entered breaches the limits set for your ppi account. After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). You can connect with Cashfree if you are not sure about the transfer limits set for your ppi account.	After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). You can connect with Cashfree if you are not sure about the transfer limits set for your ppi account.	Yes, after adhering to the transfer limits.
200	REJECTED	PPI_INTERNAL_ERROR	The transfer has been rejected because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REJECTED	PPI_INTERNAL_ERROR	The transfer has been rejected because there was an intermittent internal error at Cashfree. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REJECTED	DISABLED_MODE	The transfer has been rejected because your ppi account does not support this mode of transfer. You should get this mode activated on your payout account by contacting Cashfree, and then initiate a new transfer request.	You should get this mode activated on your ppi account by contacting Cashfree, and then initiate a new transfer request.	Yes, after activating mode.
200	REJECTED	BANK_ACCOUNT_INVALID	The transfer has been rejected because there is a mismatch in the Bank Account Number of the beneficiary ID and the Bank Account Number in the transfer request. After correcting the Bank Account Number, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	After correcting the Bank Account Number, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting the bank account number.
200	REJECTED	BANK_IFSC_INVALID	The transfer has been rejected because there is a mismatch in the IFSC of the beneficiary ID and the IFSC in the transfer request. After correcting the IFSC, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	After correcting the IFSC, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting the IFSC
200	REJECTED	VPA_INVALID	The transfer has been rejected because there is a mismatch in the VPA handle of the beneficiary ID and the VPA handle in the transfer request. After correcting the VPA handle, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	After correcting the VPA handle, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting the VPA handle
200	REJECTED	PHONE_INVALID	The transfer has been rejected because there is a mismatch in the Phone Number of the beneficiary ID and the Phone Number in the transfer request. After correcting the Phone Number, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	After correcting the Phone Number, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting the phone number.
200	REJECTED	BANK_ACCOUNT_DETAILS_MISSING	The transfer has been rejected because the Bank Account Details are missing in the transfer request. After adding the Bank Account Details, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	After adding the Bank Account Details, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after adding the bank account details.
200	REVERSED	ACCOUNT_BLOCKED	The transfer has been reversed by the beneficiary bank as the end-beneficiary’s account is blocked for receiving incoming funds. After correcting the account number or getting the account unblocked, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the account number or getting the account unblocked, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after adding new details or getting account unblocked.
200	REVERSED	FAILED	The transfer has been reversed by the beneficiary bank as they were unable to credit the end beneficiary’s bank account. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	-	Yes
200	REVERSED	NRE_ACCOUNT_FAIL	The transfer has been reversed by the beneficiary bank as they were unable to credit the end beneficiary’s bank account as it is an NRE Account and transfers to NRE Accounts are not supported.	Get a new account(non-NRE account) from the beneficiary; you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	No
200	REVERSED	RETURNED_FROM_BENEFICIARY	The transfer has been reversed by the beneficiary bank as they were unable to credit the end beneficiary’s bank account. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REVERSED	BENE_BANK_DECLINED	The transfer has been declined by the beneficiary bank and they were unable to credit the end beneficiary’s bank account. You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes
200	REVERSED	IMPS_MODE_FAIL	The transfer has been reversed by the beneficiary bank because the beneficiary bank account does not support IMPS transfers. This rejection is done by the beneficiary bank for the specific beneficiary account. You can try NEFT or other channels to do the disbursals.	You can reinitiate the transfer via Cashfree by changing the mode so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing mode.
200	REVERSED	DEST_LIMIT_REACHED	The transfer has been reversed by the beneficiary bank as the end-beneficiary’s account has reached a limit of receiving incoming funds. This rejection is done by the beneficiary bank for the specific beneficiary account. You can reinitiate the transfer after a while via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). The success of the request is contingent on beneficiary’s limit being available to receive incoming funds.	The limits on the beneficiary account are typically refreshed every 24 hours. Its not clear when the 24 hour window shall elapse so you can then reinitiate the transfer via Cashfree after some time so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	REVERSED	INVALID_ACCOUNT_FAIL	The transfer has been reversed by the beneficiary bank because the Account Number of the beneficiary is invalid. After correcting the account number, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	After correcting the account number, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting the account number
200	SUCCESS	SENT_TO_BENEFICIARY	The transfer has been initiated via the partner bank successfully. The request is waiting to be processed at the beneficiary bank to do the credit to the end beneficiary.	-	-
200	SUCCESS	COMPLETED	The transfer has been initiated via the partner bank successfully, hence your account is debited and the request is successfully processed by the beneficiary bank and has been credited to the end beneficiary.	-	-
200	REJECTED	TRANSFERID_INVALID	transferid can contain only alphabets, numbers, underscore (_), hyphen (-).	After correcting the transferid, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting transfer id.
200	REJECTED	AMOUNT_INVALID	amount can contain only numbers.	After correcting the amount, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting amount.
200	REJECTED	REMARKS_INVALID	remarks can contain only alphabets, numbers and space.	After correcting the remarks, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting remarks.
200	REJECTED	BENEID_INVALID	beneId can contain only alphabets, numbers and underscore.	After correcting the beneid, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting beneficiary id.
200	REJECTED	NAME_INVALID	name can contain only alphabets, numbers and space.	After correcting the name, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting name.
200	REJECTED	EMAIL_INVALID	email is not a valid email format.	After correcting the email, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting email.
200	REJECTED	IBAN_INVALID	iban can contain only alphabet and numbers.	After correcting the iban, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting IBAN.
200	REJECTED	TRANSFERMODE_INVALID	transferMode can contain in one of banktransfer upi paytm amazonpay imps neft rtgs ppc.	After correcting the transfermode, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting mode.
200	REJECTED	CURRENCY_INVALID	currency is invalid.	After correcting the currency, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting currency.
200	REJECTED	ACCOUNT_DOES_NOT_EXIST	The transfer has been rejected because the beneficiary account/ VPA does not exist as per our partner bank.	After correcting the account number, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting details.
200	FAILED	ACCOUNT_DOES_NOT_EXIST	The transfer has failed because the beneficiary account/ VPA does not exist as per our partner bank.	After correcting the account number, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting details.
200	REJECTED	AMAZON_AMOUNT_EXCEED	The transfer has been rejected because the amount entered breaches the limits set for the beneficiaries amazon account.	After verifying the limits for beneficiaries amazon account, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after verifying limits.
200	FAILED	AMAZON_AMOUNT_EXCEED	The transfer has failed because the amount entered breaches the limits set for the beneficiaries amazon account.	After verifying the limits for beneficiaries amazon account, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after verifying limits.
200	REJECTED	ANOMALY_DETECTION	The transfer has been rejected as Cashfree risk product has detected an anomaly.	You can reinitiate the transfer request after validation at your end.	Yes, after validation.
200	APPROVAL_PENDING	ANOMALY_DETECTION	The transfer requires approval as Cashfree risk product has detected an anomaly.	You can approve/reject the transfer on the merchant dashboard. Post the transfer is approved, the request is sent to the partner bank for further processing.	-
200	FAILED	BAD_CONNECTION	The transfer has failed because there was an intermittent internal error between Cashfree and the partner bank.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	REJECTED	BENE_INVALID	The transfer has been rejected because the beneficiary added in the transfer request does not exist.	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after adding beneficiary.
200	FAILED	BENE_INVALID	The transfer has failed because the beneficiary added in the transfer request does not exist.	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after adding beneficiary.
200	FAILED	BENE_NOT_REGISTERED	The transfer has been rejected because the beneficiary added in the transfer request is not registered with the partner bank.	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after adding beneficiary.
200	VALIDATION_PENDING	BENE_VERIFICATION_PENDING	The transfer is pending because the beneficiary verification is pending. Once the beneficiary is validated we will attempt the transfers with partner bank(s).	-	-
200	FAILED	BENEFICIARY_BANK_UNAVAILABLE	The transfer has failed because the respective beneficiary bank is offline.	After some time, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	FAILED	BENEFICIARY_NAME_DIFFERS	The transfer has failed because the beneficiary name differs as per Cashfree’s partner bank.	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting name.
200	REJECTED	BENEFICIARY_NAME_DIFFERS	The transfer has been rejected because the beneficiary name differs as per Cashfree’s partner bank.	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting name.
200	REJECTED	BENEFICIARY_NAME_MISMATCH	The transfer has been rejected because the beneficiary name differs as per Cashfree’s partner bank.	After adding the right beneficiary, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting name.
200	REJECTED	CARD_UNSUPPORTED	The transfer has been rejected because the card is not supported.	After changing the payment instrument details, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing instrument.
200	FAILED	CARD_UNSUPPORTED	The transfer has failed because the card is not supported.	After changing the payment instrument details, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing instrument.
200	FAILED	DUPLICATE_FAILED	The transfer has failed as the bank claims of receiving a duplicate request at their end as of now.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, with new id.
200	FAILED	ERROR_RETRIEVING_BALANCE	The transfer has failed because there was an intermittent issue at the partner bank’s end.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	REJECTED	INVALID_CARD	The transfer has been rejected because the card details are not correct.	After changing the payment instrument details, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting card.
200	FAILED	INVALID_CARD	The transfer has failed because the card details are not correct.	After changing the payment instrument details, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting card.
200	REJECTED	INVALID_CURRENCY_FOR_PYID	The transfer has been rejected because the transfer currency passed in the transfer request is not supported by Cashfree.	After changing the currency to INR, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing currency.
200	FAILED	INVALID_CURRENCY_FOR_PYID	The transfer has been rejected because the transfer currency passed in the transfer request is not supported by Cashfree.	After changing the currency to INR, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing currency.
200	FAILED	INVALID_MODE_FAIL	The transfer has failed because the requested transfer mode is not supported for this beneficiary account as per the partner bank.	After changing the transfer mode, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing mode.
200	REJECTED	INVALID_OR_NO_SUCH_ACCOUNT_TYPE	The transfer has been rejected because the beneficiary account type is invalid or not supported as per our partner bank.	Get a new account from the beneficiary; you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after new account.
200	FAILED	INVALID_OR_NO_SUCH_ACCOUNT_TYPE	The transfer has failed because the beneficiary account type is invalid or not supported as per our partner bank.	Get a new account from the beneficiary; you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after new account.
200	FAILED	INVALID_PHONE_BENEFICIARY	The transfer has failed because the beneficiary’s phone number is not linked to any VPA.	After adding the right phone beneficiary, You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correcting phone.
200	REJECTED	INVALID_TRANSFER_CURRENCY	The transfer has been rejected because the transfer currency passed in the transfer request is not supported by Cashfree.	After changing the currency to INR, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing currency.
200	FAILED	INVALID_TRANSFER_CURRENCY	The transfer has failed because the transfer currency passed in the transfer request is not supported by Cashfree.	After changing the currency to INR, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after changing currency.
200	REJECTED	KYC_COMPLIANCE_VERIFICATION_FAILED	The transfer has failed because the KYC verification has failed.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after KYC resolution.
200	REJECTED	KYC_REQUIREMENTS_NOT_SATISFIED	The transfer has failed because the KYC requirements have not been satisfied.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after completing KYC.
200	FAILED	LOAD_LIMIT_EXHAUSTED	The transfer has failed because the beneficiaries account has reached maximum transaction amount limit.	After 24 hours, You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after 24 hours.
200	FAILED	LOAN_FUND_MOVEMENT_FAILURE	The transfer has failed because of an intermittent issue at Cashfree’s end.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	PENDING	LOW_BALANCE_QUEUED	The transfer is pending because the balance in the fund source is exhausted. This transfer will be processed after you recharge the fund source, you need not reinitiate this transfer.	This transfer will be processed after you recharge the fund source, you need not reinitiate this transfer. Please rely on check status API or webhook for checking the status of this transfer.	-
200	REJECTED	MANUALLY_REJECTED	The transfer has been manually rejected by you.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree.	Yes, if needed.
200	REJECTED	PPI_INACTIVE	The transfer has been rejected because your ppi account has been inactive.	After getting the account activated, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after activation.
200	PENDING	PENDING	The transfer is currently in a Pending state, as Cashfree is awaiting a final confirmation from the partner bank for a terminal status.	Rely on Check Status API or Webhooks	-
200	FAILED	POOL_CONNECTION_TIMEOUT	The transfer has failed because there was a connection issue with the partner bank’s end.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after some time.
200	REJECTED	QUICK_TRANSFER_DISABLED	The transfer has been rejected because quick transfer is disabled for your ppi account.	After getting quick transfer enabled, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after enabling.
200	REJECTED	REJECTED	Transfer rejected.	-	Yes, after correction.
200	REVERSED	REVERSED	The transfer has been reversed by the beneficiary bank as the credit to end-beneficiary’s account has failed.	You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, after correction.
200	FAILED	RTGS_MODE_FAIL	The transfer has failed because the beneficiary account does not support RTGS transfers.	You can try NEFT or other channels to do the disbursals.	Yes, via different mode.
200	FAILED	SUSPECTED_FAILED	The transfer has failed, as the partner bank suspects that the transfer is of fraudulent nature.	-	No (investigate).
200	REJECTED	VBA_TRANSFER_DISABLED	The transfer has been rejected because transfers to virtual bank accounts are not enabled for your Cashfree Account.	After getting payouts to virtual bank accounts enabled, you can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s). You can connect with Cashfree for enabling payouts to virtual bank accounts.	Yes, after enabling.
200	REJECTED	ERROR_SELECTING_FUND_SOURCE	The transfer has been rejected because their is some issue with your account configuration.	You can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after fixing config.
200	VALIDATION_PENDING	VALIDATION_PENDING	The transfer is pending because the beneficiary verification is pending. Once the beneficiary is validated we will attempt the transfers with partner bank(s).	Rely on Check Status API or Webhooks	-
200	REJECTED	INVALID_BENEFICIARY_CODE	The transfer has been rejected because the bene code is Invalid.	After correcting the beneficiary code, you can reinitiate the transfer via Cashfree so that the transfer can be attempted by Cashfree with the partner bank(s).	Yes, after correcting code.
200	REJECTED	DUPLICATE_TRANSFER	The transfer is already present in the file or has been processed previously. Please change the transferId in the api request.	After changing the Transfer Id, You can reinitiate the transfer via Cashfree so that the transfer can be reattempted again by Cashfree with the partner bank(s).	Yes, with new transfer id.

4XX errors

HTTP status code	Error code	Message	Next action
400	transfer_id_missing	transfer_id parameter missing in the request	Enter a valid transfer_id in the request.
400	transfer_id_invalid	transfer_id value invalid	Enter a valid transfer_id in the request.
400	user_id_missing	user_id parameter is missing	Provide a valid user_id in the request.
400	user_id_value_invalid	user_id invalid value	Enter a valid user_id in the request.
400	wallet_id_missing	wallet_id parameter is missing	Provide a valid wallet_id in the request.
400	wallet_id_value_invalid	wallet_id invalid value	Enter a valid wallet_id in the request.
400	cf_sub_wallet_id_missing	cf_sub_wallet_id parameter is missing	Provide a valid cf_sub_wallet_id in the request.
400	cf_sub_wallet_id_value_invalid	cf_sub_wallet_id invalid value	Enter a valid cf_sub_wallet_id in the request.
400	amount_missing	amount parameter is missing	Provide a value for the amount parameter in the request.
400	amount_value_invalid	amount invalid value	Enter an amount up to 2 decimal place and greater than 1.00.
400	transfer_mode_missing	transfer_mode parameter is missing	Provide a valid transfer_mode in the request.
400	transfer_mode_invalid	transfer_mode is invalid allowed values are : bank, imps, neft, rtgs, upi	Provide a valid transfer_mode in the request.
400	bene_details_missing	bene_details parameter is missing	Provide beneficiary details in the request.
400	bene_details.bene_id_invalid	beneficiary_id should be alphanumeric	Enter a valid beneficiary_id.
400	bene_details.instrument_details.bank_account_number_invalid	bank_account_number should be alphanumeric	Enter a valid bank_account_number.
400	bene_details.instrument_details.bank_account_number_invalid	Bank account number passed in the request does not match with the beneficiary with beneficiary_id :: test_beneId	Enter the correct bank_account_number associated with the beneficiary_id.
400	bene_details.instrument_details.bank_ifsc_invalid	bank_ifsc should be in standard ifsc format	Enter a valid bank_ifsc.
400	bene_details.instrument_details.bank_ifsc_invalid	Bank ifsc passed in the request does not match with the beneficiary with beneficiary_id :: test_beneId	Enter the correct bank_ifsc associated with the beneficiary_id.
400	bene_details.instrument_details.full_name_invalid	full name value invalid	Enter a valid full name for the beneficiary.
400	bene_details.instrument_details.vpa_invalid	vpa is in invalid format	Enter a valid VPA.
400	bene_details.instrument_details.vpa_invalid	Vpa passed in the request does not match with the beneficiary with beneficiary_id :: test_beneId	Enter the correct vpa associated with the beneficiary_id.
404	user_id_not_found	The specified user_id does not exist	Enter a valid user_id.
404	wallet_not_found	No ACTIVE wallet found with the provided wallet_id	Enter a valid wallet_id.
404	sub_wallet_not_found	No ACTIVE sub-wallet found with the provided cf_sub_wallet_id	Enter a valid cf_sub_wallet_id.
409	duplicate_transfer_id	A transfer with the provided transfer_id already exists	Use a unique transfer_id for the request.
422	transfer_limit_exceeded	Transfer amount exceeds the daily/monthly limit	Reduce the transfer amount or wait for limit reset.
422	full_kyc_required	FULL KYC verification is required for fund transfer	Complete FULL KYC verification before attempting the transfer.

Authorizations

x-client-id · string · header · required

Your unique client identifier issued by Cashfree. You can find this in your Merchant Dashboard.

x-client-secret · string · header · required

The secret key associated with your client ID. Use this to authenticate your API requests. You can find this in your Merchant Dashboard.

Headers

x-api-version · string · default: 2025-11-01 · required

API version to be used. Format is in YYYY-MM-DD.

Example:

"2025-11-01"

Body

application/json

Request parameters to initiate a transfer from a user's sub-wallet to a beneficiary.

user_id · string · required

Unique identifier for the user, as provided by you during PPI user creation. Only alphanumeric characters, periods (.), hyphens (-), and underscores (_) are allowed.

Required string length: 1 - 50

Example:

"USER827364"

wallet_id · string · required

Unique identifier for the wallet, as provided by you during wallet creation. Only alphanumeric characters, periods (.), hyphens (-), and underscores (_) are allowed.

Required string length: 1 - 50

Example:

"WALLET936721"

cf_sub_wallet_id · string · required

Unique identifier of the sub-wallet from which the amount will be transferred. Only numeric characters are allowed.

Required string length: 1 - 19

Example:

"35246543210987654321"

transfer_id · string · required

Unique identifier that you create to identify the transfer transaction in your system. Only alphanumeric characters, periods (.), hyphens (-), and underscores (_) are allowed.

Required string length: 1 - 50

Example:

"TRANSFER123456"

amount · number<double> · required

Amount to transfer. Decimal values are allowed. The minimum value should be equal to or greater than 1.00 (>= 1.00).

Required range: x >= 1

Example:

1250.5

transfer_mode · enum<string> · required

Mode of transfer:

• RTGS: Real Time Gross Settlement (for amounts ≥ ₹2 lakhs)
• NEFT: National Electronic Funds Transfer
• IMPS: Immediate Payment Service
• UPI: Unified Payments Interface

Available options: RTGS, NEFT, IMPS, UPI

Example:

"IMPS"

bene_details · object · required

Beneficiary details for the transfer. Either use existing beneficiary (bene_id + bene_instrument_id) or provide new instrument details.

Option 1

Option 2

Show child attributes

auth · object · required

Authentication for the transfer. When mode is OTP_VERIFICATION, Cashfree generates an OTP and delivers it to the end user on the channels listed in data.notification_modes.

Show child attributes

purpose · string

Purpose of the transfer. Common values:

• BUSINESS: Business transactions
• PERSONAL: Personal transfers
• REFUND: Refund payments
• OTHER: Other purposes

Maximum string length: 50

Example:

"SALARY"

remarks · string

Additional remarks for the transfer. Alphanumeric and whitespaces are allowed.

Maximum string length: 500

Example:

"Monthly groceries transfer"

notes · object

Optional key-value pairs for any extra information. Keys and values must be strings. The following constraints apply:

• Maximum 10 entries.
• Keys: maximum 50 characters. Alphanumeric characters, underscores (_), periods (.), commas (,), single quotes ('), ampersands (&), hyphens (-), and spaces are allowed.
• Values: maximum 200 characters. Same character set as keys.

Show child attributes

Response

200

application/json

Success response for initiating a wallet transfer.

Response for Initiate Transfer.

user_id · string

Unique identifier for the user, as provided by you during PPI user creation.

Example:

"USER827364"

wallet_id · string

Unique identifier for the wallet, as provided by you during wallet creation.

Example:

"WALLET936721"

cf_transfer_id · string

Unique identifier for the transfer transaction, generated by Cashfree.

Example:

"8901234567890123456"

transfer_id · string

Unique identifier for the transfer transaction, as provided by you during the transfer request.

Example:

"TRANSFER123456"

amount · number<double>

Amount to be transferred.

Example:

1250.5

transfer_mode · enum<string>

Mode of transfer used.

Available options: RTGS, NEFT, IMPS, UPI

Example:

"IMPS"

sub_wallet · object

Show child attributes

status · enum<string>

Status of the transfer operation.

Available options: RECEIVED, PENDING, SUCCESS, FAILED, REJECTED, VALIDATION_PENDING, REVERSED, APPROVAL_PENDING, QUEUED, MANUALLY_REJECTED

Example:

"RECEIVED"

bank_ref_no · string | null

Bank reference number for the transfer. Will be null if transfer is not yet processed.

Example:

"BNK202502101530001"

status_code · string

Status code for detailed tracking of transfer progress.

Example:

"RECEIVED"

bene_details · object

Beneficiary details used for the transfer.

Show child attributes

auth · object

Authentication for the transfer. When mode is OTP_VERIFICATION, Cashfree generates an OTP and delivers it to the end user on the channels listed in data.notification_modes.

Show child attributes

purpose · string

Purpose of the transfer.

Example:

"SALARY"

remarks · string

Remarks for the transfer transaction.

Example:

"Monthly groceries transfer"

notes · object

Optional key-value pairs for any extra information. Keys and values must be strings. The following constraints apply:

• Maximum 10 entries.
• Keys: maximum 50 characters. Alphanumeric characters, underscores (_), periods (.), commas (,), single quotes ('), ampersands (&), hyphens (-), and spaces are allowed.
• Values: maximum 200 characters. Same character set as keys.

Show child attributes

initiated_at · string<date-time>

Timestamp when the transfer transaction was initiated.

Example:

"2025-09-02T10:15:30Z"

processed_at · string<date-time> | null

Timestamp when the transfer transaction was processed. Will be null if still pending.

Example:

"2025-09-02T10:17:45Z"