Optionally initiates a trace in anticipation of an inbound transaction for the straight-through processing (STP) of a bank or wire transfer to the cardId specified in this endpoint, converted automatically to the base currency of the card.

This endpoint isn't strictly required if the remitting bank account has already been registered and allocated to the cardholder in question, or if the cardId is included in the reference field of the transfer, in which case, funds should credit automatically upon receipt.

Calling this endpoint may expedite the process and adds a failsafe, and it specifies the card to which funds should be allocated, which is relevant in the case of a cardholder with more than one card.

The request asserts that the transaction has already been initiated by bank or wire transfer, and (if it can be verified electronically) the deposit amount appears immediately in the card's ledgerBalance.

The end-to-end process is automated but it is subject to the usual domestic or international bank processing times (typically up to five banking days), and funds won't reflect in the availableBalance until the clearing process has completed.