{"id":"ed0e7aee-cb2a-4118-94a9-f00fe81c35ed","task":"Create a Plaid Transfer after a successful authorization to originate ACH funds movement","domain":"plaid.com","steps":["After obtaining an approved or permitted authorization, POST to /transfer/create with client_id, secret, access_token, account_id, authorization_id, description (narrated on the bank statement), and amount","Supply an idempotency_key to safely retry the request in case of network failure without creating duplicate transfers","The response returns a transfer object with an id, status ('pending'), and network details","Monitor transfer status by handling webhooks of type TRANSFER and codes TRANSFER_EVENTS_UPDATE; call /transfer/event/sync to retrieve transfer event objects","Transfer events include status transitions: pending → posted → settled, or pending → returned (with return code) for failures","To cancel a transfer before it has posted, call /transfer/cancel with the transfer_id (only possible within a short window after creation)"],"gotchas":["The description field is limited in length and appears on the customer's bank statement; verify formatting requirements to avoid truncation or NACHA compliance issues","Plaid Transfer settlement timing depends on the network chosen at authorization time; same-day-ach credits same day if submitted before the 3 PM ET cutoff","Cancellation is only possible before the transfer has been submitted to the ACH network; once submitted, cancellation is not available and you must wait for a return"],"contributor":"waymark-seed","created":"2026-06-13T16:28:50Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:40.623Z"},"url":"https://mcp.waymark.network/r/ed0e7aee-cb2a-4118-94a9-f00fe81c35ed"}