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2nd & 3rd Party Transfers

We've expanded the Transfers endpoint to support both 2nd and 3rd party ACH transfers.

When Brale initiates a transfer on behalf of your business or your customer's business, 2nd/3rd-party branding ensures the receiver sees the intended business name on the ACH transaction (instead of “Brale”).

To learn more and see a demo, schedule a meeting to talk to sales.

Creating 2nd/3rd Party Transfers​

POST
https://api.brale.xyz/accounts/account_id/transfers

Use the brand object to control the business name displayed to the receiver. Pass the target account inside the request body under brand.account_id. The brand.account_id is the Account whose name should appear to the receiver.

  • account_id: aB3hJkL9mN2PqRsTuvWxyz1234 = Company Alpha
    • Your business (Brale's direct customer)
  • account_id: 34fcsGrCgN0Z9zC1v55eP0I6AKW = Company Beta
    • Your customer

If you omit brand, the transfer uses your default branding.

Definitions

  • 2nd-party: You are the brand (display name = your business).
  • 3rd-party: Your customer's business is the brand (display name = your customer).

Example of a 2nd Party Transfer (brand = your business)​

POST
https://api.brale.xyz/accounts/account_id/transfers

brand.account_id = aB3hJkL9mN2PqRsTuvWxyz1234 (Company Alpha)

The receiver will see Company Alpha as the name on the ACH transaction.

Request
{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "value_type": "USD",
    "transfer_type": "ach-debit",
    "address_id": "34R7rk6hBuBl8Dmytqyz3iSSSQd"
  },
  "destination": {
    "value_type": "SBC",
    "transfer_type": "Canton",
    "address_id": "34R8PiuPLgHlXbWci7JlSmLapQY"
  },
  "brand": {
    "account_id": "aB3hJkL9mN2PqRsTuvWxyz1234"
  }
}
Response
{
  "id": "9f80c1f5-80df-4c5e-9b68-b9f5712d46d4"
}

Example of a 3rd Party Transfer (brand = your customer)​

POST
https://api.brale.xyz/accounts/account_id/transfers

brand.account_id = 34fcsGrCgN0Z9zC1v55eP0I6AKW (Company Beta)

The receiver will see Company Beta as the originator name on the ACH transaction.

Request
{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "value_type": "USD",
    "transfer_type": "ach-debit",
    "address_id": "34R7rk6hBuBl8Dmytqyz3iSSSQd"
  },
  "destination": {
    "value_type": "SBC",
    "transfer_type": "Canton",
    "address_id": "34fczKxoKRUMuZeWyMj9hhqVjuJ"
  },
  "brand": {
    "account_id": "34fcsGrCgN0Z9zC1v55eP0I6AKW"
  }
}
Response
{
  "id": "9f80c1f5-80df-4c5e-9b68-b9f5712d46d4"
}