Transactions
Create transaction
Post a transaction with the Go SDK.
POST
/transactionsUse client.Transaction.Create to post a transaction between a source and destination balance.
Call the method
Single transaction
Move money from one source balance to one destination in a single call.
transaction, _, _ := client.Transaction.Create(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(125034),
Precision: 100,
Currency: "USD",
Source: "@WorldUSD",
Destination: "@MyBalance",
Reference: "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
Description: "Customer payment",
SkipQueue: false,
},
AllowOverdraft: false,
},
)| Field | Type | Description |
|---|---|---|
PreciseAmount | *big.Int | Amount in minor units. Use with Precision. |
Amount | float64 | Float amount. Blnk applies Precision. Use one of Amount or PreciseAmount. |
Precision | int64 | Precision for the currency (for example 100 for cents). |
Currency | string | Currency of the transaction. |
Reference | string | Unique reference for the transaction. |
Source | string | Balance sending the amount. Prefix @ for an internal balance. |
Destination | string | Balance receiving the amount. |
Description | string | Narration of the transaction. |
AllowOverdraft | bool | Allow the source balance to go negative. See Overdrafts. |
SkipQueue | bool | Bypass the transaction queue and process directly. |
Inflight transaction
Reserve funds without settling until you commit or void the transaction. See Create inflight.
expiry, _ := time.Parse(time.RFC3339, "2025-03-01T00:00:00Z")
commit, _ := time.Parse(time.RFC3339, "2025-02-28T12:00:00Z")
transaction, _, _ := client.Transaction.Create(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(10000),
Precision: 100,
Currency: "USD",
Source: "bln_28edb3e5-c168-4127-a1c4-16274e7a28d3",
Destination: "bln_ebcd230f-6265-4d4a-a4ca-45974c47f746",
Reference: "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
Description: "For vacation",
},
Inflight: true,
InflightExpiryDate: &expiry,
InflightCommitDate: &commit,
},
)| Field | Type | Description |
|---|---|---|
Inflight | bool | Hold the transaction until you commit or void it. |
InflightExpiryDate | *time.Time | When the inflight transaction expires and rolls back. ISO 8601 format. |
InflightCommitDate | *time.Time | When Core auto-commits the inflight transaction. ISO 8601 format. |
See Update inflight to commit or void.
Split transaction
Debit multiple sources or credit multiple destinations in one transaction. See Multiple sources and Multiple destinations.
transaction, _, _ := client.Transaction.Create(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(3000000),
Precision: 100,
Currency: "USD",
Reference: "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
Description: "Payment to Sarah",
Sources: []blnkgo.Source{
{
Identifier: "bln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f",
Distribution: "10%",
},
{
Identifier: "bln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025d",
PreciseDistribution: "2000000",
},
{
Identifier: "bln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89b",
Distribution: "left",
},
},
Destination: "bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38",
Atomic: true,
},
},
)transaction, _, _ := client.Transaction.Create(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(3000000),
Precision: 100,
Currency: "USD",
Reference: "ref_c5d9e2a1-7b4f-4a3c-9e8d-1f6a2b4c8d30",
Description: "Payment from Sarah",
Source: "bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38",
Destinations: []blnkgo.Source{
{
Identifier: "bln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f",
Distribution: "20%",
},
{
Identifier: "bln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025d",
PreciseDistribution: "1000000",
},
{
Identifier: "bln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89b",
Distribution: "left",
},
},
Atomic: true,
},
},
)| Field | Type | Description |
|---|---|---|
Sources | []blnkgo.Source | Source legs when debiting more than one balance. |
Destinations | []blnkgo.Source | Destination legs when crediting more than one balance. |
Sources.[].Identifier | string | Balance ID or @ internal name for a source leg. |
Destinations.[].Identifier | string | Balance ID or @ internal name for a destination leg. |
Distribution | blnkgo.Distribution | Percentage, fixed amount, or left for a split leg. |
PreciseDistribution | string | Fixed split-leg amount in minor units. |
Atomic | bool | When true, every leg succeeds together or the entire split fails. |
Scheduled transaction
Post the transaction at a future date and time. See Scheduling.
scheduledFor, _ := time.Parse(time.RFC3339, "2024-12-21T01:36:46+01:00")
transaction, _, _ := client.Transaction.Create(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(10000000),
Precision: 100,
Currency: "USD",
Source: "bln_28edb3e5-c168-4127-a1c4-16274e7a28d3",
Destination: "@fees",
Reference: "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
Description: "Monthly fee",
MetaData: blnkgo.MetaData{
"sender_name": "John Doe",
"sender_account": "00000000000",
},
},
ScheduledFor: &scheduledFor,
},
)| Field | Type | Description |
|---|---|---|
ScheduledFor | *time.Time | Date and time to post the transaction. ISO 8601 format. |
MetaData | MetaData | Optional metadata stored on the scheduled transaction. |
Backdated transaction
Record a transaction with a financial date in the past. See Backdated transactions.
effectiveDate, _ := time.Parse(time.RFC3339, "2025-02-15T10:30:00Z")
transaction, _, _ := client.Transaction.Create(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(35890),
Precision: 100,
Currency: "NGN",
Source: "@source_account",
Destination: "@destination_account",
Reference: "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
Description: "Backdated transaction",
EffectiveDate: &effectiveDate,
},
},
)| Field | Type | Description |
|---|---|---|
EffectiveDate | *time.Time | Actual date the transaction occurred. ISO 8601 format. |
Dry run
Preview whether a transaction would apply and how it would change balances without writing anything. Use CreateDryRun. Do not set DryRun: true on Create. See Dry-run transactions.
preview, _, _ := client.Transaction.CreateDryRun(
blnkgo.CreateTransactionRequest{
ParentTransaction: blnkgo.ParentTransaction{
PreciseAmount: big.NewInt(12000),
Precision: 100,
Currency: "USD",
Source: "bln_source-bal-001",
Destination: "bln_dest-bal-001",
Reference: "ref_card_settle_4821",
Description: "Card settlement",
},
},
)| Field | Type | Description |
|---|---|---|
| Method | CreateDryRun | Returns *TransactionPreview. Nothing is written and the reference is still free. |
Response
Single transaction
{
"amount": 1250.34,
"precision": 100,
"precise_amount": 125034,
"transaction_id": "txn_c4e70eb8-e4d6-4e04-a2e2-92a43b969e0c",
"parent_transaction": "",
"source": "bln_f344b673-e855-4bda-b769-3e94a02c1941",
"destination": "bln_d5cbde84-d20a-485b-8ce8-6677d782c3a1",
"reference": "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
"currency": "USD",
"description": "Customer payment",
"status": "QUEUED",
"hash": "0b9c25fb5b00d6c71cb4ca87026bf6dc316e63353d3330deb588bd0b3d74dcc0",
"allow_overdraft": false,
"inflight": false,
"created_at": "2024-11-26T09:33:35.265582042Z",
"scheduled_for": "0001-01-01T00:00:00Z",
"inflight_expiry_date": "0001-01-01T00:00:00Z",
"inflight_commit_date": "0001-01-01T00:00:00Z"
}Inflight transaction
{
"amount": 100,
"precision": 100,
"precise_amount": 10000,
"transaction_id": "txn_6164573b-6cc8-45a4-ad2e-7b4ba6a60f7d",
"parent_transaction": "",
"source": "bln_28edb3e5-c168-4127-a1c4-16274e7a28d3",
"destination": "bln_ebcd230f-6265-4d4a-a4ca-45974c47f746",
"reference": "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
"currency": "USD",
"description": "For vacation",
"status": "INFLIGHT",
"hash": "8cfdc0f2562ce30c3728ef624dc29fbd0e4207c77df9220df0c699d45de0eef",
"allow_overdraft": false,
"inflight": true,
"created_at": "2024-12-21T01:36:46.997063436Z",
"scheduled_for": "0001-01-01T00:00:00Z",
"inflight_expiry_date": "2025-03-01T00:00:00Z",
"inflight_commit_date": "2025-02-28T12:00:00Z"
}Split transaction
{
"precise_amount": 3000000,
"amount": 30000,
"precision": 100,
"transaction_id": "txn_0b59f6e6-6c4a-4efa-915c-526f77ef61ab",
"parent_transaction": "",
"source": "",
"reference": "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
"currency": "USD",
"description": "Payment to Sarah",
"status": "QUEUED",
"hash": "8cfdc0f2562ce30c3728ef624dc29fbd0e4207c77df9220df0c699d45de0eef",
"allow_overdraft": false,
"inflight": false,
"atomic": true,
"sources": [
{
"identifier": "bln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f",
"distribution": "10%",
"transaction_id": "txn_59347177-aa7e-d8ad-9f4f-d09628b32ec3"
},
{
"identifier": "bln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025d",
"distribution": "2000000",
"transaction_id": "txn_7ddc8d4f-3b77-4b7d-a37f-240216ab074c"
},
{
"identifier": "bln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89b",
"distribution": "left",
"transaction_id": "txn_5aad04dd-ed53-4f77-9f01-4916d31fac5f"
}
],
"destination": "bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38",
"created_at": "2025-09-18T01:26:30.648049042Z",
"scheduled_for": "0001-01-01T00:00:00Z",
"inflight_expiry_date": "0001-01-01T00:00:00Z",
"inflight_commit_date": "0001-01-01T00:00:00Z"
}{
"precise_amount": 3000000,
"amount": 30000,
"precision": 100,
"transaction_id": "txn_8a3c1f2e-9d4b-4e5a-b6c7-1d2e3f4a5b6c",
"parent_transaction": "",
"source": "bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38",
"reference": "ref_c5d9e2a1-7b4f-4a3c-9e8d-1f6a2b4c8d30",
"currency": "USD",
"description": "Payment from Sarah",
"status": "QUEUED",
"hash": "8cfdc0f2562ce30c3728ef624dc29fbd0e4207c77df9220df0c699d45de0eef",
"allow_overdraft": false,
"inflight": false,
"atomic": true,
"destinations": [
{
"identifier": "bln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f",
"distribution": "20%",
"transaction_id": "txn_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94"
},
{
"identifier": "bln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025d",
"distribution": "1000000",
"transaction_id": "txn_c5d9e2a1-7b4f-4a3c-9e8d-1f6a2b4c8d30"
},
{
"identifier": "bln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89b",
"distribution": "left",
"transaction_id": "txn_a1b2c3d4-6e2d-4f89-a17b-3d5e8f2a1c94"
}
],
"created_at": "2025-09-18T01:26:30.648049042Z",
"scheduled_for": "0001-01-01T00:00:00Z",
"inflight_expiry_date": "0001-01-01T00:00:00Z",
"inflight_commit_date": "0001-01-01T00:00:00Z"
}Scheduled transaction
{
"amount": 100000,
"precision": 100,
"precise_amount": 10000000,
"transaction_id": "txn_6164573b-6cc8-45a4-ad2e-7b4ba6a60f7d",
"parent_transaction": "",
"source": "bln_28edb3e5-c168-4127-a1c4-16274e7a28d3",
"destination": "bln_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
"reference": "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
"currency": "USD",
"description": "Monthly fee",
"status": "QUEUED",
"hash": "0b9c25fb5b00d6c71cb4ca87026bf6dc316e63353d3330deb588bd0b3d74dcc0",
"allow_overdraft": false,
"inflight": false,
"created_at": "2024-12-21T01:36:46.997063436Z",
"scheduled_for": "2024-12-21T01:36:46+01:00",
"inflight_expiry_date": "0001-01-01T00:00:00Z",
"inflight_commit_date": "0001-01-01T00:00:00Z",
"meta_data": {
"sender_name": "John Doe",
"sender_account": "00000000000"
}
}Backdated transaction
{
"amount": 358.9,
"precision": 100,
"precise_amount": 35890,
"transaction_id": "txn_c62f200b-905f-4983-a349-cadd279234aa",
"parent_transaction": "",
"source": "bln_a03ef6af-1e5d-46a8-86a9-5fb1f2286f66",
"destination": "bln_68be0aed-383c-4d27-87db-fb0650093686",
"reference": "ref_f482a1b3-6c2d-4e89-a17b-3d5e8f2a1c94",
"currency": "NGN",
"description": "Backdated transaction",
"status": "APPLIED",
"hash": "0b9c25fb5b00d6c71cb4ca87026bf6dc316e63353d3330deb588bd0b3d74dcc0",
"allow_overdraft": false,
"inflight": false,
"created_at": "2025-03-02T15:30:45Z",
"effective_date": "2025-02-15T10:30:00Z",
"scheduled_for": "0001-01-01T00:00:00Z",
"inflight_expiry_date": "0001-01-01T00:00:00Z",
"inflight_commit_date": "0001-01-01T00:00:00Z"
}Dry run
{
"dry_run": true,
"would_apply": true,
"status": "APPLIED",
"reference": "ref_card_settle_4821",
"currency": "USD",
"amount": 120,
"precise_amount": "12000",
"precision": 100,
"balances": [
{
"balance_id": "bln_source-bal-001",
"role": "source",
"currency": "USD",
"current_balance": "50000",
"current_available": "50000",
"current_credit_balance": "50000",
"current_debit_balance": "0",
"current_inflight_debit_balance": "0",
"current_inflight_credit_balance": "0",
"resulting_balance": "38000",
"resulting_available": "38000",
"resulting_credit_balance": "50000",
"resulting_debit_balance": "12000",
"resulting_inflight_debit_balance": "0",
"resulting_inflight_credit_balance": "0"
},
{
"balance_id": "bln_dest-bal-001",
"role": "destination",
"currency": "USD",
"current_balance": "0",
"current_available": "0",
"current_credit_balance": "0",
"current_debit_balance": "0",
"current_inflight_debit_balance": "0",
"current_inflight_credit_balance": "0",
"resulting_balance": "12000",
"resulting_available": "12000",
"resulting_credit_balance": "12000",
"resulting_debit_balance": "0",
"resulting_inflight_debit_balance": "0",
"resulting_inflight_credit_balance": "0"
}
]
}Go response (*blnkgo.Transaction)
| Field | Type | Description |
|---|---|---|
TransactionID | string | Unique ID for the transaction. |
Status | blnkgo.PryTransactionStatus | Transaction status (for example QUEUED, APPLIED, INFLIGHT). |
PreciseAmount | *big.Int | Amount in minor units. |
Amount | float64 | Float amount after precision is applied. |
Precision | int64 | Precision for the currency. |
Source | string | Resolved source balance. |
Destination | string | Resolved destination balance. |
Sources | []blnkgo.Source | Source legs for split transactions. |
Destinations | []blnkgo.Source | Destination legs for split transactions. |
Reference | string | Unique reference for the transaction. |
Description | string | Narration of the transaction. |
EffectiveDate | *time.Time | Actual date the transaction occurred, for backdated transactions. |
CreatedAt | time.Time | Date and time the transaction was created. |
MetaData | MetaData | Optional metadata object. |