Withdraw funds

Send money from your Flash Payments balances to Australian bank accounts or internationally per your approved use case.

To make a withdrawal, you need to execute the createWithdrawal mutation as below.

You must have enough balance in your account for the chosen currency to make a withdrawal.

Query

mutation {
  createWithdrawal(
    input: {
      amount: 1000
      currency: AUD
      externalReference: "invoice #123"
      recipientId: "5ba89a6b35a2b327b81ffc3b"
      senderId: "5eaf71a1cb328c56f94f9375"
      externalId: "12344321"
      idempotencyKey: "12344321"
    }
  ) {
    success
    code
    message
    withdrawal {
      id
      status
      amount
      currency
    }
  }
}

Response

{
  "data": {
    "createWithdrawal": {
      "success": true,
      "code": "OK",
      "message": "Scheduled for immediate execution",
      "withdrawal": {
        "id": "60711af8c078ba061f623531",
        "status": "PENDING",
        "amount": 1000,
        "currency": AUD
      }
    }
  }
}

Payment reference - externalReference

Arbitrary text, which will be seen in the ultimate recipient's bank statement. E.g. "invoice #123". Will be eventually truncated to 18 ASCII chars if delivered via Australia's old (DE, Direct Entry) payment system. However, if you choose to use the real-time NPP network, then the maximum length is 280 chars.

Recipient - recipientId

You should pre-create recipients and provide us with their ID. The recipient's Australian account must be either BSB or PAYID (coming soon).

Sender - senderId or subClientId , or neither

In the above createWithdrawal example, you had to first pre-create a sender and use senderId as an input. Alternatively, if your account is configured to disburse funds on behalf of your sub-clients, you may provide us with the sub-client ID, and the withdrawal created will be linked to that sub-client. In this case, the subClientId will be used as the sender and will be reported to the government.

To use subClientId as the sender for your withdrawal, please execute the createWithdrawal mutation as below.

Query

mutation {
  createWithdrawal(
    input: {
      amount: 1000
      currency: AUD
      externalReference: "invoice #1234"
      recipientId: "5ba89a6b35a2b327b81ffc3b"
      subClientId: "3fbj71b1dc328d56g94g9375"
      externalId: "12344321"
      idempotencyKey: "12344321"
    }
  ) {
    success
    code
    message
    withdrawal {
      id
      status
      amount
      currency
    }
  }
}

Response

 {
  "data": {
    "createWithdrawal": {
      "success": true,
      "code": "OK",
      "message": "Scheduled for immediate execution",
      "withdrawal": {
        "id": "60711af8c078ba061f623531",
        "status": "PENDING",
        "amount": 1000,
        "currency: AUD
      }
    }
  }
}

We are legally obliged to collect the actual sender and beneficiary details. Please do not send us intermediate organisation details such as exchanges, banks, gateways, etc.

If it is an intermediate, please see Instiutions instead.

Please always send us the ultimate sender and recipient. If sending to yourself, please provide your own details. See the schema in Playground for other recipient details options.

If sending from yourself, there's an option to use your company's Flash account details as sender by default. Please consider the example below.

If your company is the ultimate sender for a withdrawal, you can skip both the senderId and subClientId. In this situation, we will use your company’s Flash account as the sender for the transaction. Please note that a new sender record will not be created in this case.

Please execute the following createWithdrawal mutation to use your company's Flash account details as sender.

Query

mutation {
  createWithdrawal(
    input: {
      amount: 500
      currency: AUD
      externalReference: "invoice #123"
      recipientId: "661e293b14a0e678c37fa327"
      externalId: "1234567890"
      idempotencyKey: "0987654321"
    }
  ) {
    success
    code
    message
    withdrawal {
      id
      status
      amount
      currency
      sender {
      firstName
      lastName
      companyName
      }
    }
  }
}

Response

{
  "data": {
    "createWithdrawal": {
      "success": true,
      "code": "SUCCESS",
      "message": "Withdrawal was created",
      "withdrawal": {
        "id": "67cb69f2ee6c254315bb1c3d",
        "status": "INITIALISED",
        "amount": 500,
        "currency": "AUD",
        "sender": {
          "firstName": "John",
          "lastName": "Smith",
          "companyName": "Smith Consulting Pty Ltd"
      }
    }
  }
}

Instructing Institutions

An organisation that instructed you to make a withdrawal. This data is mandatory if you submit this withdrawal on behalf of another financial institution.

For more information please see Institutions.

Using existing institutions instructingInstitutionId

This optional field refers to an existing Institution that was created earlier in the Flash Connect interface or via this API.

Create institutions on the fly using the instructingInstitution field

Optional field that allows you to provide Institution details without pre-creating one. Once passed, Flash Payments will create the Institution for you. Before creating an institution, we will try to find an existing one:

• By instructingInstitution.externalId if present.

• By instructingInstitution.businessNumber AND instructingInstitution.address.country

Callback (aka Webhook) URI

We recommend against continuous polling for withdrawal status changes. Instead, please use callbackUri.

The optional callbackUri will be invoked several times during the processing of a withdrawal. These callbacks will usually occur soon (within several seconds) after the initial create withdrawal call - but may be delayed in some cases. The example JSON payloads can be found on the Webhooks page.

Security note

The callback (aka webhook) endpoint URI can be invoked by anyone on the internet. Thus opening up a potential attack vector. See Webhooks page to secure your data properly.