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Create ACH Transfer

Meow API (1.0.0)

Overview

The Meow API provides comprehensive financial services and billing capabilities for businesses.

Core Features

  • Financial Data Access: Securely access account information, transactions, balances, and payment networks
  • USDC Operations: Create and manage cryptocurrency contacts, initiate USDC transfers across multiple blockchain networks

Billing API

The Billing API enables businesses to streamline their invoicing and payment collection:

  • Product Management: Create and manage products with customizable pricing
  • Customer Management: Maintain invoicing customers with billing addresses
  • Invoice Creation: Generate invoices with line items, discounts, and custom notes
  • Flexible Payment Options: Accept payments via bank transfer, ACH, cards, international wires, and USDC
  • Collection Accounts: Configure accounts for automated payment collection

Getting Started

Authenticate using your API key in the request header: x-api-key: your-api-key

For multi-entity access, you can optionally include the x-entity-id header to scope API requests to a specific entity. Use the /api-keys/accessible-entities endpoint to list all entities accessible by your API key.

Error Responses

Errors return JSON with code, message, and debug_message. The code aligns with FDX where possible; debug_message is for troubleshooting only.

Common error codes:

  • 500: Internal server error
  • 501: Subsystem unavailable
  • 503: Scheduled maintenance
  • 601: Data not found
  • 602: Customer not authorized
  • 701: Account not found
  • 703: Invalid input (including invalid date ranges)
  • 704: Account type not supported
  • 705: Account is closed
  • 801: Transaction not found
Download OpenAPI description
index.json
index.yaml
Overview
URL
https://meow.com/
Meow
support@meow.com
License
Proprietary
Languages
Servers
Mock server
https://docs.meow.com/_mock/meow_api
Meow API Production
https://api.meow.com/v1
Meow API Sandbox
https://api.sandbox.meow.com/v1

API Keys

Retrieve metadata about API keys and their accessible entities

Operations

Contacts

Manage USDC contacts for cryptocurrency transfers

Operations

Accounts

Access and manage financial accounts

Operations

Transactions

View account transaction history and details

Operations

Balances

Check account balances and available funds

Operations

Payment Networks

Manage payment networks and routing information

Operations

Transfers

Initiate and manage USDC transfers

Operations

Create Book Transfer

Request

Creates a new internal book transfer between bank accounts.

Security
apiKeyAuth
Path
account_idstring(Account Id)required

The ID of the account.

Headers
x-entity-idstring(uuid)

Optional entity ID for scoped access to entity-specific data

Bodyapplication/jsonrequired
amountAmount (number) or Amount (string)(Amount)required
Any of:
[ 0.01 .. 1000000000 ]
number(Amount)[ 0.01 .. 1000000000 ]
to_account_idstring(uuid)(To Account Id)required
descriptionDescription (string) or Description (null)(Description)
Any of:
[ 1 .. 50 ] characters
string(Description)[ 1 .. 50 ] characters
idempotency_keystring(Idempotency Key)[ 1 .. 50 ] charactersrequired
curl -i -X POST \
  'https://docs.meow.com/_mock/meow_api/accounts/{account_id}/book' \
  -H 'Content-Type: application/json' \
  -H 'x-api-key: YOUR_API_KEY_HERE' \
  -H 'x-entity-id: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -d '{
    "amount": 0.01,
    "to_account_id": "3e98f0e3-e66f-4ff1-bd00-5b6561f6da8b",
    "description": "string",
    "idempotency_key": "string"
  }'

Responses

Successful Response

Bodyapplication/json
idstring(Id)required
amountstring(Amount)required
descriptionDescription (string) or Description (null)(Description)required
Any of:
string(Description)
created_timeinteger(Created Time)required
transfer_typestring(TransferMethod)required
Enum"book""usdc""ach""wire"
to_account_idstring(uuid)(To Account Id)required
to_account_namestring(To Account Name)required
to_account_account_number_maskedstring(To Account Account Number Masked)required
to_entity_idTo Entity Id (string) or To Entity Id (null)(To Entity Id)
Any of:
string(uuid)(To Entity Id)
to_entity_nameTo Entity Name (string) or To Entity Name (null)(To Entity Name)
Any of:
string(To Entity Name)
Response
application/json
{
  "id": "string",
  "amount": "string",
  "description": "string",
  "created_time": 0,
  "transfer_type": "book",
  "to_account_id": "3e98f0e3-e66f-4ff1-bd00-5b6561f6da8b",
  "to_account_name": "string",
  "to_account_account_number_masked": "string",
  "to_entity_id": "fb321b7a-c279-4142-a84c-682cfe99bc3c",
  "to_entity_name": "string"
}

Create ACH Transfer

Request

Creates a new ACH transfer to an external counterparty.

Security
apiKeyAuth
Path
account_idstring(Account Id)required

The ID of the account.

Headers
x-entity-idstring(uuid)

Optional entity ID for scoped access to entity-specific data

Bodyapplication/jsonrequired
amountAmount (number) or Amount (string)(Amount)required
Any of:
[ 0.01 .. 1000000 ]
number(Amount)[ 0.01 .. 1000000 ]
counterparty_idstring(uuid)(Counterparty Id)required
descriptionDescription (string) or Description (null)(Description)
Any of:
[ 1 .. 10 ] characters
string(Description)[ 1 .. 10 ] characters
internal_noteInternal Note (string) or Internal Note (null)(Internal Note)
Any of:
[ 5 .. 255 ] characters
string(Internal Note)[ 5 .. 255 ] characters
emailEmail (string) or Email (null)(Email)
Any of:
string(email)(Email)
idempotency_keystring(Idempotency Key)[ 1 .. 50 ] charactersrequired
curl -i -X POST \
  'https://docs.meow.com/_mock/meow_api/accounts/{account_id}/ach' \
  -H 'Content-Type: application/json' \
  -H 'x-api-key: YOUR_API_KEY_HERE' \
  -H 'x-entity-id: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -d '{
    "amount": 0.01,
    "counterparty_id": "fd38dae9-b300-4017-a630-101c4279eafd",
    "description": "string",
    "internal_note": "string",
    "email": "user@example.com",
    "idempotency_key": "string"
  }'

Responses

Successful Response

Bodyapplication/json
idstring(Id)required
statusstring(TransferStatus)required
Enum"pending""canceled""processing""error""sent""returned""void"
amountstring(Amount)required
descriptionDescription (string) or Description (null)(Description)required
Any of:
string(Description)
counterparty_idstring(uuid)(Counterparty Id)required
created_timeinteger(Created Time)required
transfer_typestring(TransferMethod)required
Enum"book""usdc""ach""wire"
Response
application/json
{
  "id": "string",
  "status": "pending",
  "amount": "string",
  "description": "string",
  "counterparty_id": "fd38dae9-b300-4017-a630-101c4279eafd",
  "created_time": 0,
  "transfer_type": "book"
}

Create Scheduled ACH Transfer

Request

Creates a new scheduled ACH transfer to an external counterparty.

Security
apiKeyAuth
Path
account_idstring(Account Id)required

The ID of the account.

Headers
x-entity-idstring(uuid)

Optional entity ID for scoped access to entity-specific data

Bodyapplication/jsonrequired
amountAmount (number) or Amount (string)(Amount)required
Any of:
[ 0.01 .. 1000000 ]
number(Amount)[ 0.01 .. 1000000 ]
counterparty_idstring(uuid)(Counterparty Id)required
descriptionDescription (string) or Description (null)(Description)
Any of:
[ 1 .. 10 ] characters
string(Description)[ 1 .. 10 ] characters
internal_noteInternal Note (string) or Internal Note (null)(Internal Note)
Any of:
[ 5 .. 255 ] characters
string(Internal Note)[ 5 .. 255 ] characters
emailEmail (string) or Email (null)(Email)
Any of:
string(email)(Email)
idempotency_keystring(Idempotency Key)[ 1 .. 50 ] charactersrequired
rrulestring(Rrule)[ 1 .. 120 ] charactersrequired

RFC 5545 RRULE string. Required: DTSTART, RRULE. Allowed frequencies: WEEKLY, MONTHLY.

curl -i -X POST \
  'https://docs.meow.com/_mock/meow_api/accounts/{account_id}/ach/scheduled' \
  -H 'Content-Type: application/json' \
  -H 'x-api-key: YOUR_API_KEY_HERE' \
  -H 'x-entity-id: 497f6eca-6276-4993-bfeb-53cbbbba6f08' \
  -d '{
    "amount": 0.01,
    "counterparty_id": "fd38dae9-b300-4017-a630-101c4279eafd",
    "description": "string",
    "internal_note": "string",
    "email": "user@example.com",
    "idempotency_key": "string",
    "rrule": "string"
  }'

Responses

Successful Response

Bodyapplication/json
idstring(uuid)(Id)required
statusstring(TransferStatus)required
Enum"pending""canceled""processing""error""sent""returned""void"
amountstring(Amount)required
descriptionDescription (string) or Description (null)(Description)required
Any of:
string(Description)
counterparty_idstring(uuid)(Counterparty Id)required
rrulestring(Rrule)[ 1 .. 120 ] charactersrequired

RFC 5545 RRULE string. Required: DTSTART, RRULE. Allowed frequencies: WEEKLY, MONTHLY.

first_occurrencestring(date-time)(Timestamp)required

ISO 8601 date-time in format 'YYYY-MM-DDThh:mm:ss.nnn[Z|[+|-]hh:mm]' according to IETF RFC3339

transfer_typestring(TransferMethod)required
Enum"book""usdc""ach""wire"
Response
application/json
{
  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
  "status": "pending",
  "amount": "string",
  "description": "string",
  "counterparty_id": "fd38dae9-b300-4017-a630-101c4279eafd",
  "rrule": "string",
  "first_occurrence": "2019-08-24T14:15:22Z",
  "transfer_type": "book"
}

Routing Numbers

Validate routing numbers and get bank information

Operations

Bill

View and manage bills for vendor payments

Operations

Products

Manage products and pricing for invoicing

Operations

Customers

Manage billing customers and their information

Operations

Invoices

Create and manage invoices

Operations

Line Items

Manage invoice line items

Operations

Payment Methods

Configure available payment methods

Operations

Collection Accounts

Manage accounts for payment collection

Operations