Search funds transfers

POST https://secure.mintpayments.com/mpay/v5/funds-transfers/search

Search funds transfers using complex criteria in request body.

About Funds Transfers

Funds transfers represent specific debits or credits to merchants that are initiated by Mint. These are financial movements that Mint directly controls and executes, including:

• Settlement payouts to merchants for processed transactions
• Direct debits from merchants for fees, chargebacks, or adjustments
• Refund processing where Mint facilitates refunds to customers
• Fee collections for Mint's payment processing services
• Adjustment transactions for corrections or disputes

Key characteristics:

• All transfers are initiated by Mint's payment systems
• Each transfer has a specific business purpose (settlement, fee, refund, etc.)
• Transfers are made to/from merchant bank accounts that Mint has authorization to access
• These represent Mint's direct financial relationship with merchants
• Statement references will appear as "MINTAU*" followed by a reference code

This data is used for:

• Merchant settlement reporting and reconciliation
• Financial reporting and accounting
• Dispute resolution and transaction tracking
• Merchant payout analysis and cash flow management

Note: This is different from bank account transactions, which show all activity on a bank account including non-Mint transactions.

Search Requirements

At least one of the following parameter groups is required:

1. Date Range Search: imported_at_from AND imported_at_to - Search by import date range
2. Update Range Search: updated_at_from AND updated_at_to - Search by update date range
3. Statement Reference: statement_reference - Search by exact statement reference

Additional filters (business_unit, transfer_type, status, etc.) can be combined with any required parameter group.

Search Capabilities

• Date Range Filtering: Search transfers within specific import or update time periods
• Business Unit Filtering: Filter transfers for specific business units
• Bank Account Filtering: Search by IBAN, routing/account number, or bank account ID
• Transfer Type Filtering: Filter by payout or debit transfers
• Status Filtering: Filter by pending, complete, or error status
• Statement Reference Search: Find transfers by their exact bank statement reference
• Amount and Currency: Filter by transfer amounts and currency codes

Bank Account Filtering

The search supports multiple bank account identifier parameters (iban, routing_account_number, bank_account_id) that are applied exclusively:

• All provided bank account identifiers must match the same bank account
• If multiple identifiers are provided but don't all correspond to the same account, no records will be returned
• This ensures data consistency and prevents accidental cross-account queries

Examples:

• ✅ iban: "GB82WEST12345698765432" only
• ✅ All three identifiers provided (if they all match the same account)