In v2 Transfer API, the transfer_purpose field is mandatory under the destination object.
Unlike v1, v2 only allows a fixed set of predefined values.
Free-text input is not permitted.
This design ensures:
- Stronger regulatory compliance
- Consistent reporting across jurisdictions
- Reduced transfer rejections and review delays
- Clear alignment with AML / CTF requirements
| Field | Type | Required | Description |
|---|
transfer_purpose | string | Yes | Must be one of the predefined enum values |
curl --location --request POST 'https://harbor-sandbox.owlpay.com/api/v2/transfer' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: {{API_KEY}}' \
--header 'Idempotency-Key: {{IDEMPOTENCY_KEY}}' \
--data-raw '{
"...": "...",
"destination": {
"...": "...",
"transfer_purpose": "SALARY"
}
}'
The following enum KEYS are strictly enforced in v2 Transfer.
Requests containing values outside this list will be rejected.
| Enum Key | Description |
|---|
TRANSFER_TO_OWN_ACCOUNT | Transfers between accounts owned by the same individual |
FAMILY_MAINTENANCE | Financial support for family members |
EDUCATION | Tuition fees, school expenses, or education support |
MEDICAL_TREATMENT | Hospital fees, medical services, or healthcare costs |
HOTEL | Hotel or lodging-related payments |
TRAVEL | Travel-related expenses |
REPAYMENT_OF_LOANS | Loan principal or interest repayment |
TAX_PAYMENT | Government or statutory tax payments |
| Enum Key | Description |
|---|
PURCHASE_PROPERTY | Purchase of residential real estate |
PROPERTY_RENTAL | Rental payments for residential or commercial property |
INSURANCE_PREMIUM | Regular insurance premium payments |
PRODUCT_INDEMNITY_INSURANCE | Insurance covering product liability |
INSURANCE_CLAIMS | Payouts related to insurance claims |
| Enum Key | Description |
|---|
MUTUAL_FUND_INVESTMENT | Investment into mutual funds |
INVESTMENT_SHARES | Purchase of stocks or equity instruments |
DONATIONS | Charitable or non-profit donations |
SALARY | Salary or wage payments |
| Enum Key | Description |
|---|
INFO_SERVICE | Payments for data, information, or digital services |
ADVERTISING | Marketing, advertising, or PR expenses |
ROYALTY_FEES | IP-related royalty or licensing payments |
BROKER_FEES | Brokerage and custodial service fees |
ADVISOR_FEES | Professional consulting and advisory fees |
REPRESENTATIVE_EXPENSES | Costs related to representative or liaison offices |
| Enum Key | Description |
|---|
CONSTRUCTION | Construction or infrastructure-related payments |
TRANSPORTATION | Logistics and freight transportation costs |
EXPORTED_GOODS | Payments related to exported goods |
DELIVERY_FEES | Last-mile or delivery service fees |
GENERAL_GOODS_OFFLINE | Offline or traditional goods trading |
