Introduction
Pluggy's Smart Transfers API makes payments instant, easy, and secure. Here we describe in a simple way how you can implement it.
Recommendation
You should see our Payment Initiation docs first to understand the payments flow.
The main differences between this API and Payment Initiation are:
- The user only needs to give the consent one time (from now on, Smart Transfer Preauthorization) per debtor account: After the consent is given, you can use the Smart Transfers API to send money from this account to the authorized recipients (until the consent expires or it's revoked). This allows you to automatize your payment process without user interaction.
- All accounts (debtor and recipients) must belong to the same owner (same CPF for PF accoutns and same CNPJ for PJ accounts).
See the next section to know how to generate a Smart Transfer Preauthorization
Updated 2 months ago