--- title: Respond to a drawdown request slug: tutorials/api/wires/respond-to-a-drawdown-request description: Demonstrates approving or rejecting wire drawdown request. docTags: createdAt: 2024-08-12T05:19:41.467Z --- ## What you will learn ✅ How to respond to a drawdown request When a bank receives a [drawdown request](docId\:sFG6D6itNK09yfROB6oCN), it *responds* by wiring the money that was asked for to the specified bank account. :::hint{type="info"} If you are new to wires we recommend you read the [wires overview](docId\:hFNmQa22W2BNqAJijpAVT) before starting this tutorial. The tutorial assumes you have a knowledge of APIs and how they work. For more information on sending API calls, see the [API basics](docId\:pUTTCwQ5SKLzxYzIn5D1b). ::: The tutorial uses this API endpoint: | API | Description | | ------------------------------------------------------------------------------------- | ------------------------------------------------ | | [POST /wires/v1/payments/{id}/drawdown-responses](docId:21PdgxzzrGN1_KoDuAJiY) | Respond to a drawdown request by sending payment | ## Before you begin Make sure you have: - [API credentials](docId\:Z-MVwOV-p00-xX082NabK) - Beneficiary reference ID - Inbound drawdown request - [Registered](docId\:BN5XtgkJogBe-CtwomCbS) the following webhook events: | Webhook | Description | | ----------------------- | ------------------------------------------------------------------------------------------------------------------------------- | | `Wire.Payment.Sent` | Outbound wire has been transmitted to the Federal Reserve and has been successfully acknowledged. IMAD number is now available. | | `Wire.Payment.Received` | Inbound wire payment received successfully. | | `Wire.Payment.Rejected` | Outbound wire could not be processed due to compliance reasons or was rejected by the Federal Reserve. | For this tutorial you'll need to understand these terms. These definitions are specific to this tutorial. The terms might be used slightly differently for a drawdown request. | Term | Description | | ------------------------------- | -------------------------------------------------------------- | | Originator | The entity sending the payment | | Beneficiary | The entity receiving the payment | | Sending financial institution | The financial institution that initiates the drawdown response | | Receiving financial institution | The financial institution that receives the wire | | Drawdown request | A request for someone to send a payment by wire | ## Respond to a drawdown request In this tutorial you will respond to a drawdown request from Mastercard for** 12,480,981.47** USD. An incoming drawdown request looks like the code sample below. :::CodeblockTabs Sample inbound drawdown request ```curl {   "id": "5beea7ed-e9a1-4914-9bdc-af7100eb4dbd",   "accountNumber": "2805121064",   "referenceId": "W22354K5ET6",   "fedBatchId": "9da4f836-7dae-4c54-8dee-af7100eb4dc2",   "direction": "Inbound",   "paymentType": "Drawdown",   "source": "File",   "status": "Completed",   "posting": "Posted",   "partnerAuthorization": "NotRequired",   "partnerAuthorization2": "NotRequired",   "amount": 1248098147,   "currency": "usd",   "purpose": "",   "imad": "20221220B1QGC05C001017",   "omad": "20221220QMGFNP7200015412200510FT01",   "businessFunctionCode": "DRC",   "typeCode": "1031",   "senderRoutingNumber": "021000021",   "senderName": "JPMORGAN CHASE",   "senderReference": "1097200354JO",   "receiverRoutingNumber": "021214891",   "receiverName": "CROSS RIVER BK",   "originator": {     "idCode": "D",     "identifier": "014053007",     "name": "MASTERCARD INTERNATIONAL",     "address1": "INCORPORATE/SERVICES",     "address2": "2200 MASTERCARD BOULEVARD",     "address3": "O'FALLON MO 63366- US"   },   "beneficiary": {     "idCode": "D",     "identifier": "014053007",     "name": "MASTERCARD INTERNATIONAL",     "address1": "INCORPORATE/SERVICES",     "address2": "2200 MASTERCARD BOULEVARD",     "address3": "O'FALLON MO 63366- US"   },   "originatorToBeneficiary1": "ICA 17128 CC SETTLEMENT",   "beneficiaryReference": "2022122058465489",   "receiptDate": "1220",   "receiptTime": "0510",   "wasReversed": false,   "isInternational": false,   "createdAt": "2022-12-20T09:17:27.307-05:00",   "processedAt": "2022-12-20T09:27:07.98-05:00",   "effectiveDate": "2022-12-20T00:00:00-05:00",   "completedAt": "2022-12-20T09:27:07.98-05:00",   "postedAt": "2022-12-20T09:27:07.98-05:00",   "originalPaymentId": "5beea7ed-e9a1-4914-9bdc-af7100eb4dbd",   "partnerId": "6ee82269-9e89-450e-9065-a9e5012c2645",   "productId": "701d116d-ceec-4868-94f0-ab3c00e82bde",   "lastModifiedAt": "2022-12-20T09:27:07.9803522-05:00",   "postingCode": "OK" } ``` ::: :::::WorkflowBlock ::::WorkflowBlockItem Call `POST /v1/payments/{id}/drawdown-responses`. For this call, some/all of the attributes are required. The id attribute must be set to the payment ID of the request that came in. In this case, **5beea7ed-e9a1-4914-9bdc-af7100eb4dbd**. :::CodeblockTabs Sample "response to drawdown" request ```curl { "originator":     {     "idCode":"D",     "identifier":"2805121064",     "name":"CRB FBO RPPS Settlement",     "address1":"885 Teaneck Rd",     "address2":"Teaneck, NJ 07666 US"     }, "beneficiaryReference":"1097200354JO" } https://sandbox.crbcos.com/Wires/v1/payments/5beea7ed-e9a1-4914-9bdc-af7100eb4dbd/drawdown-responses ``` ::: :::: :::WorkflowBlockItem A successful API call returns a JSON response with the details of the payment sent. From this point, the payment behaves like any [outbound wire payment](docId\:mC0d1W1u80umazO85mEIz). ```json {   "id": "cb9bd5f3-e720-47dc-ab9b-af7100fe54d4",   "accountNumber": "2805121064",   "coreTransactionId": "e3e7a91e-fe43-40c4-a264-af710135d35d",   "referenceId": "W2235435X38",   "fedBatchId": "0259951e-e377-4940-b312-af71013af155",   "fedBatchSequence": 1,   "direction": "Outbound",   "paymentType": "DrawdownResponse",   "source": "OpsPortal",   "status": "Completed",   "posting": "Posted",   "partnerAuthorization": "NotRequired",   "partnerAuthorization2": "NotRequired",   "amount": 1248098147,   "currency": "usd",   "purpose": "ENTERED BY #61AA4FE6014AFB01143EBB35#",   "imad": "20221220QMGFT009000933",   "omad": "20221220B1QGC01R06123612201412",   "businessFunctionCode": "DRW",   "typeCode": "1032",   "senderRoutingNumber": "021214891",   "senderName": "CROSS RIVER BK",   "senderReference": "W2235435X38",   "receiverRoutingNumber": "021000021",   "receiverName": "JPMORGAN CHASE",   "originator": {     "idCode": "D",     "identifier": "2805121064",     "name": "CRB FBO RPPS Settlement",     "address1": "885 Teaneck Rd",     "address2": "Teaneck, NJ 07666 US"   },   "beneficiary": {     "idCode": "D",     "identifier": "014053007",     "name": "MASTERCARD INTERNATIONAL",     "address1": "INCORPORATE/SERVICES",     "address2": "2200 MASTERCARD BOULEVARD",     "address3": "O'FALLON MO 63366- US"   },   "beneficiaryReference": "1097200354JO",   "receiptDate": "1220",   "receiptTime": "1412",   "wasReversed": false,   "isInternational": false,   "createdAt": "2022-12-20T10:25:59.53-05:00",   "processedAt": "2022-12-20T14:07:01.817-05:00",   "effectiveDate": "2022-12-20T00:00:00-05:00",   "completedAt": "2022-12-20T14:46:58.82-05:00",   "postedAt": "2022-12-20T13:48:02.473-05:00",   "originalPaymentId": "5beea7ed-e9a1-4914-9bdc-af7100eb4dbd",   "partnerId": "6ee82269-9e89-450e-9065-a9e5012c2645",   "productId": "701d116d-ceec-4868-94f0-ab3c00e82bde",   "lastModifiedAt": "2022-12-20T14:46:58.8208426-05:00",   "postingCode": "OK" } ``` ::: :::::