Create card transaction without fee

In this example, we will review how to add card transactions to a card account without reservation.

If you are working with Tuum setup where card-related accounts are located within Tuum core, you should use the appropriate Account API endpoints instead.

Use case

This step describes the creation of a card transaction without using the card account reservation process.

Use case data	API parameters with values
The card account ID to which the transaction is added.	...accounts/C001692282829/transactions
Transaction type code	"transactionTypeCode": "ATM_WITHDRAWAL"
Transaction amount	"money": { "amount": 100, "currencyCode": "EUR" }
The date on which the transaction is considered effective.	"valueDate": "2025-10-20"
The exact date and time when the transaction was originally created, including time zone.	"originalDTime": "2025-10-25T11:12:46+01:00"
Transaction details	"details": "POS: ...0404, ECOMMERCE SHOP1 >TALLINN EE"
Merchant information	"merchantInfo": "ECOMMERCE SHOP1 >TALLINN EE"
Account balance must be checked before making the transaction.	"checkBalance": true
The card with ID C001692295200 was used for the transaction. Note: It is recommended to always provide the card ID. This is necessary to identify the correct card-level price list in cases where multiple cards are associated with the same account.	"cardId": "C001692295200"
The account transaction was created by transaction R0000150 in the external system named ONLINE.	"source": { "sourceName": "ONLINE", "sourceRef": "R0000150" }
The transaction was made as an ATM withdrawal. Note: Labels are used for fee calculation if label-based pricing has been defined for the fee type.	"labels": [ "ATM_EU" ]

Fee calculation is initiated when the account transaction data does not include the fees element.

Sample API call

To create a card account transaction without the reservation, use the following endpoint:

https://card-api.sandbox.tuumplatform.com/api/v1/accounts/{accountId}/transactions

Learn more about the create card account transaction endpoint in the Tuum developer portal.

Sample request

The sample request body is as follows:

JSON

{
  "transactionTypeCode": "ATM_WITHDRAWAL",
  "money": {
    "amount": 100,
    "currencyCode": "EUR"
  },
  "valueDate": "2025-10-20",
  "originalDTime": "2025-10-25T11:12:46+01:00",
  "details": "POS: ...0404, ECOMMERCE SHOP1 >TALLINN       EE",
  "merchantInfo": "ECOMMERCE SHOP1 >TALLINN       EE",
  "cardId": "C001692295200",
  "checkBalance": true,
  "source": {
    "sourceName": "ONLINE",
    "sourceRef": "R0000150"
  },
  "labels": [
    "ATM_EU"
  ]
}

cURL

Sample response

Below you will find the response to the API request:

Response

{
    "errors": null,
    "validationErrors": null,
    "data": [
        {
            "accountTransactionId": "C001692301802",
            "groupId": "C001692301469",
            "postingDate": "2033-06-20",
            "valueDate": "2033-06-18",
            "originalDTime": "2025-10-25T11:12:46+01:00",
            "accountId": "C001692282829",
            "transactionTypeCode": "ATM_WITHDRAWAL",
            "directionCode": "OUT",
            "currencyCode": "EUR",
            "amount": 100.00,
            "initialBalanceAmount": 800.00,
            "counterpartyName": null,
            "counterpartyIban": null,
            "counterpartyBic": null,
            "details": "POS: ...0404, ECOMMERCE SHOP1 >TALLINN       EE",
            "source": {
                "sourceName": "ONLINE",
                "sourceRef": "R0000150"
            },
            "merchantInfo": "ECOMMERCE SHOP1 >TALLINN       EE",
            "additionalInfo": null,
            "instalmentPlanId": null,
            "createdDTime": "2025-10-28T08:38:40.577746719Z",
            "reversed": false
        }
    ]
}

Result

The outcome of the API call is the details of the created card transactions for the ATM withdrawal.