> ## Documentation Index > Fetch the complete documentation index at: https://developer.meow.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Scheduled Wire Transfer > Creates a recurring or one-off future wire to an external counterparty. Each occurrence is sent in US dollars on the schedule's business-day rules. ## OpenAPI ````yaml POST /accounts/{account_id}/wire/scheduled openapi: 3.1.0 info: title: Meow API description: > ## Overview The Meow API provides financial services and billing capabilities for your business. ### Core Features - **Financial data access**: access account information, transactions, balances, and payment networks. - **Crypto operations**: create and manage crypto contacts, and initiate USDC transfers across blockchain networks. - **Bill pay**: draft bills payable to your vendors and track them through payment. ### Bill Pay API The Bill Pay API lets you create bills for your vendors and track them through payment: - **Bill drafting**: create bills as drafts. Nothing is paid until someone approves the bill in the Meow dashboard. - **Attachments**: upload invoices and supporting documents to a bill. - **Bulk loads**: send an `Idempotency-Key` with every create so a retry never duplicates a bill. Drafting is capped at 500 bills per rolling 24 hours per creator — your entity key, or the user a user-scoped key acts as. Creates past the cap return `429 Too Many Requests`. ### Billing API The Billing API lets you create and manage invoices and collect payments: - **Product management**: create and manage products with custom pricing. - **Customer management**: maintain invoicing customers with their addresses. - **Invoice creation**: generate invoices with line items, discounts, and custom notes. - **Payment options**: accept payments via ACH, wire, international wire, card, and USDC. - **Collection accounts**: configure accounts for payment collection. ### Getting Started Authenticate by sending your API key in the `x-api-key` request header. To scope requests to a specific entity, include the `x-entity-id` header. Use the `/api-keys/accessible-entities` endpoint to list all entities accessible by your API key. ### Rate Limits Each API key has a limit of 1,200 requests per minute, unless Meow has agreed a different limit with you. The limit works as a token bucket: you can spend the whole minute at once, and requests return steadily over the minute. Responses carry the `RateLimit-Policy` and `RateLimit` headers. They show your limit, the requests you have left, and the seconds until your full limit is back. These headers are informational today: going over the limit is logged, not rejected. A separate, coarser safeguard protects the API from abusive traffic and can reject requests with `429 Too Many Requests`. It returns a `Retry-After` header and a body with `error_code` set to `rate_limited` and a `message`, but not the quota headers above. Wait at least `Retry-After` seconds and add a small random delay. If the retry is limited again, back off exponentially. Send an `Idempotency-Key` when you retry a request that creates something or moves money. ### Error Responses Errors return JSON with `code`, `message`, and `debug_message`. The `code` aligns with FDX where possible; use `debug_message` for troubleshooting only. Common error codes: - `500`: Internal server error - `501`: Subsystem unavailable - `503`: Scheduled maintenance - `601`: Data not found - `602`: Customer not authorized - `701`: Account not found - `703`: Invalid input (including invalid date ranges) - `704`: Account type not supported - `705`: Account is closed - `801`: Transaction not found contact: name: Meow url: https://meow.com/ email: support@meow.com version: 1.0.0 license: name: Proprietary url: https://www.meow.com/terms-of-service servers: - url: https://api.meow.com/v1 description: Meow API Production - url: https://api.sandbox.meow.com/v1 description: Meow API Sandbox - url: https://api.dev.meow.com/v1 description: Meow API Development security: - apiKeyAuth: [] tags: - name: API Keys description: Retrieve metadata about API keys and their accessible entities. - name: Accounts description: Access and manage accounts. - name: Approvals - name: Balances description: Retrieve account balances and available funds. - name: Bill Pay - name: Bills description: View and manage bills for vendor payments. - name: Cards description: Manage virtual and physical cards, and view transactions and insights. - name: Collection Accounts description: Manage accounts for payment collection. - name: Contacts description: Manage contacts for crypto and USDC transfers. - name: Customers description: Manage invoicing customers and their details. - name: Entities - name: Feature Access description: >- Request access to restricted features, such as international payments, and track the status of your requests. - name: Invoices description: Create and manage invoices. - name: Limits - name: Line Items description: Manage invoice line items. - name: Partner Onboarding description: Onboard entities using your partner API key. - name: Partner Webhooks - name: Payment Methods description: View available payment method types. - name: Payment Networks description: Manage payment networks and routing information. - name: Products description: Manage products and pricing for invoicing. - name: Reimbursements description: View reimbursement requests by employee. - name: Routing Numbers description: Validate routing numbers and retrieve bank information. - name: Security Policies - name: Simulations description: >- Trigger simulated events (inbound transfers, card authorizations, application approval) to test integrations end-to-end without real money movement. **Not available in production**: these endpoints exist only in sandbox and development environments and return `404 Not Found` in production. - name: Tax Forms description: Retrieve IRS tax forms (1099 family) issued for accounts. - name: Transactions description: Retrieve account transaction history and details. - name: Transfers description: >- Initiate ACH, wire, book, and crypto transfers, and retrieve transfer details. - name: Users description: View active users for your entity. - name: Webhooks description: Manage webhook subscriptions and inspect delivery history. - name: Wire Drawdowns description: >- Review vendor requests to draw funds by wire, and pre-authorize trusted vendors. paths: /accounts/{account_id}/wire/scheduled: post: tags: - Transfers summary: Create Scheduled Wire Transfer description: >- Creates a recurring or one-off future wire to an external counterparty. Each occurrence is sent in US dollars on the schedule's business-day rules. operationId: create_scheduled_wire_transfer_accounts__account_id__wire_scheduled_post parameters: - name: account_id in: path required: true schema: type: string description: The ID of the account. title: Account Id description: The ID of the account. - name: Idempotency-Key in: header required: false schema: anyOf: - type: string minLength: 1 maxLength: 50 pattern: ^[!-~]+$ - type: 'null' description: >- A unique key you generate (1-50 printable ASCII characters, no spaces) so retrying this request never creates a duplicate. Reusing a key is rejected. title: Idempotency-Key description: >- A unique key you generate (1-50 printable ASCII characters, no spaces) so retrying this request never creates a duplicate. Reusing a key is rejected. - $ref: '#/components/parameters/EntityIdHeader' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateScheduledWireTransferRequest' responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/CreateScheduledWireTransferResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/Forbidden' '429': $ref: '#/components/responses/RateLimited' security: - apiKeyAuth: - transfers:wire:write components: parameters: EntityIdHeader: name: x-entity-id in: header required: false schema: type: string format: uuid description: Optional `entity_id` to scope requests to a specific entity. schemas: CreateScheduledWireTransferRequest: properties: amount: anyOf: - type: number maximum: 1000000000 minimum: 1 - type: string pattern: ^(?!^[-+.]*$)[+-]?0*\d*\.?\d{0,2}0*$ title: Amount description: Amount to send on each occurrence, in USD. counterparty_id: type: string format: uuid title: Counterparty Id description: Contact to pay. Use list_contacts to find one. instructions: anyOf: - type: string maxLength: 140 minLength: 1 - type: 'null' title: Instructions description: Wire instructions sent to the receiving bank. purpose: anyOf: - type: string minLength: 1 - type: 'null' title: Purpose description: >- Purpose of payment. Required by some receiving banks. Your account's bank sets the maximum length: 16 characters on most accounts, 50 on some. A longer purpose is rejected with a message giving your limit. internal_note: anyOf: - type: string maxLength: 255 minLength: 5 - type: 'null' title: Internal Note description: Private note, visible only inside Meow. email: anyOf: - type: string format: email - type: 'null' title: Email description: Address to notify on each occurrence. metadata: anyOf: - additionalProperties: type: string maxLength: 200 propertyNames: maxLength: 40 minLength: 1 type: object maxProperties: 20 - type: 'null' title: Metadata description: >- Your own key/value data to attach to this object. Meow stores it unchanged and returns it on every read of the object and on every webhook event about it, so you can match it back to your own records. Up to 20 pairs; keys up to 40 characters, values up to 200, and 5 KB serialized as JSON in total — note that a non-ASCII character counts as 6 bytes and an emoji as 12. Values must be strings. Meow never interprets it — do not put anything here that needs to stay private. idempotency_key: anyOf: - type: string maxLength: 50 minLength: 1 - type: 'null' title: Idempotency Key description: >- Deprecated: send the key in the `Idempotency-Key` header instead. When both are sent they must match. deprecated: true rrule: type: string maxLength: 120 minLength: 1 title: Rrule description: Recurrence rule (RFC 5545 RRULE) defining the schedule. type: object required: - amount - counterparty_id - rrule title: CreateScheduledWireTransferRequest CreateScheduledWireTransferResponse: properties: id: anyOf: - type: string format: uuid - type: 'null' title: Id description: >- Identifier of the schedule, for use with List Scheduled Wire Transfers. `null` until the schedule is actually created, so it is always absent while `status` is `processing` or `pending_approval`. Use `approval_id` as the stable handle instead. status: $ref: '#/components/schemas/TransferStatus' description: >- State of the schedule, not of any individual wire. `pending` means the schedule is live and waiting for its first occurrence; `pending_approval` means an approval policy is holding it; `processing` means it was queued for creation. amount: type: string pattern: ^(?!^[-+.]*$)[+-]?0*\d*\.?\d*$ title: Amount description: Amount sent on each occurrence, in USD. Echoes the request. instructions: anyOf: - type: string - type: 'null' title: Instructions description: >- Wire instructions sent to the receiving bank on each occurrence. Echoes the request, except for contacts paid through your brokerage account, where Meow replaces the submitted memo with system-generated instructions. counterparty_id: type: string format: uuid title: Counterparty Id description: Contact paid on each occurrence. Echoes the request. rrule: type: string maxLength: 120 minLength: 1 title: Rrule description: >- Recurrence rule (RFC 5545 RRULE) driving the schedule. Echoes the request. first_occurrence: anyOf: - $ref: '#/components/schemas/Timestamp' - type: 'null' description: >- When the first wire will be sent. Scheduled payments run at 10:00 UTC, and an occurrence that falls on a weekend or bank holiday moves to the previous business day. `null` until the schedule is created. transfer_type: $ref: '#/components/schemas/TransferMethod' description: Rail used on each occurrence. Always `wire` for this endpoint. approval_id: type: string format: uuid title: Approval Id description: >- Handle for this schedule, returned whether or not an approval policy gated it. Pass it to `GET /approvals/{approval_id}` to follow the request to completion. message: anyOf: - type: string - type: 'null' title: Message description: >- Human-readable next step. Set only when `status` is `pending_approval`; otherwise `null`. metadata: anyOf: - additionalProperties: type: string maxLength: 200 propertyNames: maxLength: 40 minLength: 1 type: object maxProperties: 20 - type: 'null' title: Metadata description: >- The metadata attached when this schedule was created, unchanged. Every wire the schedule sends carries it too, so the webhook for any occurrence reports the same value. `null` when none was attached. type: object required: - status - amount - instructions - counterparty_id - rrule - transfer_type - approval_id title: CreateScheduledWireTransferResponse TransferStatus: type: string enum: - pending - pending_approval - canceled - processing - error - sent - returned - void title: TransferStatus Timestamp: type: string format: date-time title: Timestamp description: >- ISO 8601 date-time in the format `YYYY-MM-DDThh:mm:ss.nnn[Z|[+|-]hh:mm]` (per [IETF RFC 3339](https://xml2rfc.tools.ietf.org/public/rfc/html/rfc3339.html#anchor14)). TransferMethod: type: string enum: - book - usdc - usdt - pyusd - cash - usdg - path_usd - ach - wire - international title: TransferMethod description: The rail a transfer moves on, as the customer API reports it. x-enum-varnames: - book - usdc - usdt - pyusd - cash - usdg - path_usd - ach - wire - international CustomerApiError: oneOf: - $ref: '#/components/schemas/CustomerApiServiceError' - $ref: '#/components/schemas/CustomerApiGatewayError' CustomerApiGatewayError: type: object required: - error_code - message properties: error_code: type: string message: type: string CustomerApiServiceError: type: object required: - code - message - debug_message properties: code: type: integer message: type: string debug_message: type: string responses: BadRequest: description: The request could not be processed. content: application/json: schema: $ref: '#/components/schemas/CustomerApiError' Unauthorized: description: Authentication failed. content: application/json: schema: $ref: '#/components/schemas/CustomerApiGatewayError' Forbidden: description: The API key is not authorized for this operation. content: application/json: schema: $ref: '#/components/schemas/CustomerApiGatewayError' RateLimited: description: Too many requests. headers: Retry-After: schema: type: integer content: application/json: schema: $ref: '#/components/schemas/CustomerApiGatewayError' securitySchemes: apiKeyAuth: type: apiKey in: header name: x-api-key description: Your Meow API key, sent in the `x-api-key` header for authentication. x-scopes: - accounts:read - accounts:write - accounts:payment-networks - accounts:transactions - accounts:balances - accounts:statements - accounts:tax-documents - entity:create - transfers:crypto:write - transfers:usdc:write - transfers:ach:write - transfers:wire:write - transfers:book:write - transfers:international:write - contacts:read - contacts:write - billing:products:read - billing:products:write - billing:customers:read - billing:customers:write - billing:invoices:read - billing:invoices:write - billing:accounts:read - billpay:read - billpay:write - onboarding:read - onboarding:write - cards:read - cards:write - reimbursements:read - users:read - webhooks:read - webhooks:write - partner:onboarding:read - partner:onboarding:write - partner:webhooks:read - partner:webhooks:write - simulations:write - banking:limits:read - banking:limits:write - feature-access:read - feature-access:write ````