The send_money step transfers funds from a PayMongo wallet to another PayMongo wallet or to a bank account. Today the source must always be a PayMongo wallet, bank-source transfers are not supported externally.

Parameters

Key	Type	Required	Description
`source`	`object`	Yes	The source account. Must be a PayMongo wallet today. See Account Details below.
`destination`	`object`	Yes	The destination account. Wallet or bank.
`provider`	`string`	Yes	Rail to use. One of `auto`, `paymongo`, `instapay`, `pesonet`. See Provider matrix.
`amount`	`string`	Yes	Amount to transfer in centavos. To send PHP 200, use `"20000"`. Can be a literal string or a `${...}` reference.
`currency`	`string`	Yes	Today only `PHP` is supported externally.
`notes`	`string`	No	Free-form notes attached to the transaction. Surfaced on the transaction record.

Account Details

The source and destination objects share the same shape.

Key	Type	Required	Description
`type`	`string`	Yes	`wallet` (a PayMongo wallet) or `bank` (a Philippine bank account).
`account`	`string`	Yes	Account number for the chosen type. Literal or `${...}`.
`account_name`	`string`	Required for `destination` (bank); optional for `source`	Account holder name. Case-sensitive; must match the bank's records exactly.
`bic`	`string`	Required for `destination.type: "bank"`	Bank Identifier Code. Optional / inferred for wallets. Literal or `${...}`.

Provider matrix

Provider	Source	Destination	Currency	When to use
`auto`	wallet	wallet or bank	PHP	Default. PayMongo selects the best rail based on the destination and amount. Recommended unless you have a reason.
`paymongo`	wallet	wallet	PHP	Wallet-to-wallet transfer within PayMongo. Lowest latency.
`instapay`	wallet	bank	PHP	Real-time bank transfer. Fits smaller, time-sensitive payouts.
`pesonet`	wallet	bank	PHP	Batched bank transfer. Fits larger or non-time-critical payouts.

Outputs

When the step completes, it exposes these fields downstream as ${steps.<name>.output.<field>}.

Field	Description
`status`	Final status of the transfer (`completed`, `failed`).
`transfer_id`	The PayMongo Transfers API transfer ID.
`transaction_id`	The PayMongo transaction ID for the source wallet.
`message`	Human-readable status message.
`metadata`	Provider-specific metadata.
`workflow_execution_id`	Internal execution ID for audit/debugging.
`workflow_activity_id`	Internal activity ID for audit/debugging.
`callback_status`	Status of the asynchronous callback from the Transfers API.
`callback_received_at`	Timestamp of the callback.

How it runs

send_money dispatches a transfer to the PayMongo Transfers API and waits for the asynchronous completion callback before allowing the next step to run. If no callback arrives within the provider's window, the workflow polls the Transfers API for the final status. This means a send_money step always finishes before the workflow advances, even when the underlying rail is asynchronous.

Examples

version: 1
name: "send-money-to-merchant-wallet"
description: "Send money from my wallet to another merchant wallet"
steps:
    - send_money:
        source:
            type: "wallet"
            account: "${merchant_account_number}"
            account_name: "${merchant_account_name}"
        destination:
            type: "wallet"
            account: "7754473456987"
            account_name: "AnotherSubMerchant1"
            bic: "PAEYPHM2XXX"
        provider: "paymongo"
        amount: "${net_amount}"
        currency: "PHP"
        notes: "Disbursement"
```yaml Wallet to Bank
version: 1
name: "send-money-to-bank"
description: "Send money to a bank account"
steps:
    - name: "payout"
      send_money:
        source:
            type: "wallet"
            account: "${merchant_account_number}"
        destination:
            type: "bank"
            account: "000010094477"
            account_name: "Amazing Cookie Store"
            bic: "UBPHPHMMXXX"
        provider: "instapay"
        amount: "${net_amount}"
        currency: "PHP"
        notes: "Payout"

Send Money Step