---
description: >-
  Combine a pull (collect) and push (payout) in a single API call for
  streamlined fund collection and disbursement.
---

# Pull and Push in One Step

The `PULLPUSH` payment type combines fund collection and disbursement into a single API call. Funds are pulled from the sender's card or bank account and simultaneously pushed to the recipient's destination.

This reduces latency and simplifies workflows where funds need to move between two parties in a single transaction.

## Endpoint

```
POST https://sandbox-gw.simpleps.com/v2/payment
```

**Headers:**

| Header | Value |
|---|---|
| `Authorization` | `Bearer {accessToken}` |
| `Content-Type` | `application/json` |

## Request Structure

### Root Object

| Field | Type | Required | Description |
|---|---|---|---|
| `externalPaymentId` | string | ✅ | Your unique payment identifier |
| `ipAddress` | string | ✅ | Originator's IPv4 or IPv6 address |
| `paymentType` | string | ✅ | `"PULLPUSH"` |
| `amount` | object | ✅ | Pull amount (sender side, in USD) |
| `recipientAmount` | object | ✅ | Push amount (recipient side, any currency) |
| `exchangeRate` | number | ✅ | FX rate between source and destination currencies |
| `sender` | object | ✅ | Sender details and payment source |
| `recipient` | object | ✅ | Recipient details and payout destination |

### Sender

The sender structure is identical to a [Pull payment](pulling-funds/) — includes `customer`, `customerAddress`, and `source`:

#### `sender.source` — Card

| Field | Type | Required | Description |
|---|---|---|---|
| `type` | string | ✅ | `"CARD"` |
| `card.token` | string | ✅ | Card token UUID from tokenizer |

#### `sender.source` — Bank Account

| Field | Type | Required | Description |
|---|---|---|---|
| `type` | string | ✅ | `"BANK_ACCOUNT"` |
| `accountType` | string | ✅ | `"savings"`, `"checking"`, etc. |
| `accountNumber` | string | ✅ | Bank account number |
| `routingNumber` | string | ✅ | ABA routing number |
| `accountHolder` | object | ✅ | `{ type, firstName, lastName }` |

### Recipient

The recipient structure is identical to a [Push payment](push-transaction.md) — includes `customer`, `customerAddress`, and `destination`.

## Example — PULLPUSH (Card → Wallet)

```bash
curl -X POST https://sandbox-gw.simpleps.com/v2/payment \
  -H 'Authorization: Bearer eyJhbGciOiJSUzI1NiIs...' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalPaymentId": "pullpush-001",
    "ipAddress": "203.0.113.42",
    "paymentType": "PULLPUSH",
    "amount": {
      "total": 100.00,
      "currency": "USD"
    },
    "recipientAmount": {
      "total": 497.50,
      "currency": "BRL"
    },
    "exchangeRate": 4.975,
    "sender": {
      "customer": {
        "firstName": "Lucas",
        "lastName": "Silva",
        "phoneNumber": "11999999999",
        "documentNumber": "12345678900",
        "documentType": "NATIONAL_ID",
        "email": "lucas.silva@example.com",
        "countryCodeAlpha3": "USA"
      },
      "customerAddress": {
        "stateCode": "CA",
        "city": "San Francisco",
        "line1": "123 Mission St",
        "line2": "Suite 900",
        "state": "California",
        "zipCode": "94105"
      },
      "source": {
        "type": "CARD",
        "card": {
          "token": "ab5fc589-8b48-4531-94c0-68b0629c13fe"
        }
      }
    },
    "recipient": {
      "customer": {
        "firstName": "Ana",
        "lastName": "Souza",
        "phoneNumber": "21987654321",
        "documentNumber": "10987654321",
        "documentType": "PASSPORT",
        "email": "ana.souza@example.com",
        "countryCodeAlpha3": "BRA"
      },
      "customerAddress": {
        "stateCode": "RJ",
        "city": "Rio de Janeiro",
        "line1": "Rua da Alfândega 45",
        "state": "Rio de Janeiro",
        "zipCode": "20010-030"
      },
      "destination": {
        "type": "WALLET",
        "wallet": {
          "walletId": "ana.souza@wallet.com"
        }
      }
    }
  }'
```

## Example — PULLPUSH (Bank Account → PIX)

```bash
curl -X POST https://sandbox-gw.simpleps.com/v2/payment \
  -H 'Authorization: Bearer eyJhbGciOiJSUzI1NiIs...' \
  -H 'Content-Type: application/json' \
  -d '{
    "externalPaymentId": "pullpush-002",
    "ipAddress": "203.0.113.42",
    "paymentType": "PULLPUSH",
    "amount": {
      "total": 200.00,
      "currency": "USD"
    },
    "recipientAmount": {
      "total": 995.00,
      "currency": "BRL"
    },
    "exchangeRate": 4.975,
    "sender": {
      "customer": {
        "firstName": "Maria",
        "lastName": "Johnson",
        "phoneNumber": "5551234567",
        "documentNumber": "987654321",
        "documentType": "DRIVER_LICENSE",
        "email": "maria.johnson@example.com",
        "countryCodeAlpha3": "USA"
      },
      "customerAddress": {
        "stateCode": "TX",
        "city": "Austin",
        "line1": "789 Congress Ave",
        "state": "Texas",
        "zipCode": "78701"
      },
      "source": {
        "type": "BANK_ACCOUNT",
        "accountType": "checking",
        "accountNumber": "123456789",
        "routingNumber": "021000021",
        "accountHolder": {
          "type": "personal",
          "firstName": "Maria",
          "lastName": "Johnson"
        }
      }
    },
    "recipient": {
      "customer": {
        "firstName": "Pedro",
        "lastName": "Santos",
        "phoneNumber": "11987654321",
        "documentNumber": "98765432100",
        "documentType": "NATIONAL_ID",
        "email": "pedro.santos@example.com",
        "countryCodeAlpha3": "BRA"
      },
      "customerAddress": {
        "stateCode": "SP",
        "city": "São Paulo",
        "line1": "Av Paulista 1000",
        "state": "São Paulo",
        "zipCode": "01311-100"
      },
      "destination": {
        "type": "PIX",
        "pix": {
          "keyType": "EMAIL",
          "key": "pedro.santos@example.com"
        }
      }
    }
  }'
```

## Key Differences from Separate Pull + Push

| Aspect | Separate calls | PULLPUSH |
|---|---|---|
| API calls | 2 (one pull, one push) | 1 |
| Atomicity | Independent — push can fail after pull succeeds | Single transaction |
| FX rate | Must manage independently | Specified in same request |
| Use case | Complex flows with intermediate logic | Straight-through remittance |