Internal transfer

Transfers funds between a merchant account and an eligible partner account without using an external payment rail.

Endpoint

POST /remittance/account/transfer

Sandbox base URL: https://rem-api-sandbox.pagsmile.com Content-Type: application/json; charset=UTF-8

The request uses the standard Remittance API request envelope. The fields below describe the decrypted biz_data object.

Requirement: M = Mandatory, O = Optional, and C = Conditional. A conditional field is mandatory only when the condition stated in its description applies.

Encrypt biz_data, encrypt the AES key into random_key, and sign the request according to the Common request specification.

Request body

Decrypted biz_data fields

Field	Type	Requirement	Description
merchant_id	long	M	Pagsmile-assigned unique identifier of the merchant.
order_no	string	M	Merchant-defined order number used to submit, query, and reconcile the internal transfer.
partner_account_no	string	M	Partner account number involved in the transfer.
transfer_type	integer	M	Direction of the internal transfer. Supported values: 1 — Partner to merchant 2 — Merchant to partner
amount	string	M	Monetary amount of the transaction, expressed in the corresponding currency.
currency	string	M	Three-letter ISO 4217 code of the currency in which the internal transfer values are denominated.
reference	string	O	Merchant-provided reference used to reconcile the transaction with the merchant's internal records.

Plaintext biz_data example

This example includes mandatory fields and representative optional or conditional fields. Submit fields marked C only when the condition in the field description applies.

{
  "merchant_id": 100398,
  "order_no": "ORDER_202607200001",
  "partner_account_no": "1234567890",
  "transfer_type": 1,
  "amount": "100.00",
  "currency": "USD",
  "reference": "Example reference"
}

Request example

curl --request POST \
  --url https://rem-api-sandbox.pagsmile.com/remittance/account/transfer \
  --header 'Content-Type: application/json; charset=UTF-8' \
  --data '{
    "partner_id": "<your_partner_id>",
    "app_id": "<your_app_id>",
    "timestamp": "2026-07-20 10:30:00",
    "version": "2.0",
    "language": "en",
    "random_key": "<RSA-encrypted AES key>",
    "request_id": "<globally_unique_request_id>",
    "sign_type": "RSA",
    "biz_data": "<AES-encrypted biz_data>"
  }'

Use the partner_id and app_id assigned to your integration. The values above are placeholders.

Response

Success

{
  "code": "10000",
  "msg": "Success"
}

Invalid signature

{
  "code": "40002",
  "msg": "Business Failed",
  "sub_code": "invalid-signature",
  "sub_msg": "invalid signature"
}