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# Create an Instant Conversion between Client Wallets

POST https://api.sandbox.mangopay.com/v2.01/{ClientId}/clients/conversions/instant-conversion
Content-Type: application/json

This call triggers an immediate conversion at the market rate, of the debited funds to the credited wallet at the market rate. A quote is not required for an instant conversion.

For conversions between Client Wallets, the `Fees` cannot be specified.

Reference: https://docs.mangopay.com/api-reference/conversions/create-instant-conversion-client-wallets

## Authentication

- `Authorization` header (bearer token, required) — Bearer authentication of the form `Bearer <token>`, where token is your auth token. If your platform is using a [proxy](/guides/sca/proxy-management) to take SCA-triggering action on behalf of users, you also need to integrate [mTLS authentication](/guides/sca/platform) and use the `api-mtls` base URL.

## Servers

- `https://api.sandbox.mangopay.com` (Sandbox, default)
- `https://api.mangopay.com` (Production)
- `https://api-mtls.sandbox.mangopay.com` (mTLS Sandbox)
- `https://api-mtls.mangopay.com` (mTLS Production)

## Request

### Path parameters

- `ClientId` (string, required) — Platform's API account identifier, associated with the API key.

### Body (application/json)

This endpoint expects a CreateAnInstantConversionBetweenClientWalletsRequest.

- `DebitedWalletType` (string, required) — **Allowed values:** `FEES`, `CREDIT` The type of the client wallet to be debited: - `FEES` – Fees Wallet, for fees collected by the platform. - `CREDIT` – Repudiation Wallet, for funds related to dispute management.
- `DebitedFunds` (CreateAnInstantConversionBetweenClientWalletsRequestDebitedFunds, required) — Information about the debited funds.
- `CreditedWalletType` (string, required) — **Allowed values:** `FEES`, `CREDIT` The type of the client wallet to be credited: - `FEES` – Fees Wallet, for fees collected by the platform. - `CREDIT` – Repudiation Wallet, for funds related to dispute management.
- `CreditedFunds` (CreateAnInstantConversionBetweenClientWalletsRequestCreditedFunds, required) — Information about the credited funds – the buy currency.
- `Tag` (string, optional) — Max. length: 255 characters Custom data that you can add to this object, such as unique identifiers in your system. To store multiple values, you can serialize them into a single string, for example a JSON object: `"{\"id_1\":AB123,\"id_2\":DE456}"`.

## Response

### 200

Success

- `Id` (string, optional) — Max length: 128 characters (see [data formats](/api-reference/overview/data-formats) for details) The unique identifier of the object.
- `Type` (string, optional) — **Returned values:** `PAYIN`, `TRANSFER`, `CONVERSION`, `PAYOUT` The type of the transaction.
- `Nature` (string, optional) — **Returned values:** `REGULAR`, `REPUDIATION`, `REFUND`, `SETTLEMENT` The nature of the transaction, providing more information about the context in which the transaction occurred: - `REGULAR` – Relative to most of the transactions (pay-ins, payouts, and transfers) in a usual workflow. - `REPUDIATION` – Automatic withdrawal of funds from the platform's repudiation wallet as part of the dispute process (when the user has requested a chargeback). - `REFUND` – Reimbursement of a transaction to the user (pay-in refund), to a wallet (transfer refund), or of a payout (payout refund, only initiated by Mangopay). - `SETTLEMENT` – Transfer made to the repudiation wallet by the platform to settle a lost dispute.
- `CreationDate` (integer, optional) — Unix timestamp (UTC) of the date and time the object was created.
- `Status` (string, optional) — **Returned values:** `CREATED`, `SUCCEEDED`, `FAILED` The status of the transaction.
- `AuthorId` (string, optional) — The unique identifier of the user at the source of the transaction. In a conversion, both the debited and credited wallets are owned by the author.
- `DebitedWalletId` (string, optional) — The unique identifier of the debited wallet (in the sell currency).
- `CreditedWalletId` (string, optional) — The unique identifier of the credited wallet (in the buy currency).
- `DebitedFunds` (InstantConversionClientWalletsResponseDebitedFunds, optional) — Information about the debited funds.
- `CreditedFunds` (InstantConversionClientWalletsResponseCreditedFunds, optional) — Information about the credited funds.
- `ResultCode` (string, optional) — The code indicating the result of the operation. This information is mostly used to handle errors or for filtering purposes.
- `ResultMessage` (string, optional) — The explanation of the result code.
- `ExecutionDate` (integer, optional) — Unix timestamp (UTC) of the date and time the status changed to `SUCCEEDED`, indicating that the transaction occurred. The statuses `CREATED` and `FAILED` return an `ExecutionDate` of `null`.
- `ConversionRateResponse` (ConversionRateResponse, optional) — Information about the `MarketRate` used to convert funds and other indicative rates.
- `Tag` (string, optional) — Max. length: 255 characters Custom data that you can add to this object, such as unique identifiers in your system. To store multiple values, you can serialize them into a single string, for example a JSON object: `"{\"id_1\":AB123,\"id_2\":DE456}"`.

## Types

### CreateAnInstantConversionBetweenClientWalletsRequestDebitedFunds

Information about the debited funds.

- `Currency` (string, required) — **Allowed values:** The three-letter ISO 4217 code (EUR, GBP, etc.) of a supported currency (depends on feature, contract, and activation settings). The currency of the amount.
- `Amount` (integer, required) — The amount of the currency in its minor unit. For example, EUR 12.60 would be represented as `1260` whereas JPY 12 would be represented as just `12`.

### CreateAnInstantConversionBetweenClientWalletsRequestCreditedFunds

Information about the credited funds – the buy currency.

- `Currency` (string, required) — **Allowed values:** The three-letter ISO 4217 code (EUR, GBP, etc.) of a supported currency (depends on feature, contract, and activation settings). The currency of the amount.

### InstantConversionClientWalletsResponseDebitedFunds

Information about the debited funds.

- `Currency` (string, optional) — **Allowed values:** The three-letter ISO 4217 code (EUR, GBP, etc.) of a supported currency (depends on feature, contract, and activation settings). The currency of the amount.
- `Amount` (integer, optional) — An amount of money in the smallest sub-division of the currency (e.g., EUR 12.60 would be represented as `1260` whereas JPY 12 would be represented as just `12`). During a conversion, (`DebitedFunds.Amount` - `Fees`) * `MarketRate` = `CreditedFunds.Amount`.

### InstantConversionClientWalletsResponseCreditedFunds

Information about the credited funds.

- `Currency` (string, optional) — **Allowed values:** The three-letter ISO 4217 code (EUR, GBP, etc.) of a supported currency (depends on feature, contract, and activation settings). The currency of the amount.
- `Amount` (integer, optional) — An amount of money in the smallest sub-division of the currency (e.g., EUR 12.60 would be represented as `1260` whereas JPY 12 would be represented as just `12`). During a conversion, `CreditedFunds.Amount` = (`DebitedFunds.Amount` - `Fees`) * `MarketRate`.

### ConversionRateResponse

Information about the `MarketRate` used to convert funds and other indicative rates.

- `ClientRate` (double, optional) — Max. 7 decimal places The indicative rate including Mangopay's markup, used during the billing cycle: `ClientRate` = `MarketRate` * (1 - `MarginsResponse.Mangopay`). The `MarginsResponse.Mangopay.Amount` gives the amount of debited currency that will be billed by Mangopay to your platform for the transaction. The `ClientRate` fluctuates in line with the `MarketRate`.
- `MarketRate` (double, optional) — Max. 7 decimal places The rate used to convert funds during the conversion: (`DebitedFunds.Amount` - `Fees`) * `MarketRate` = `CreditedFunds.Amount`. The market rate fluctuates in line with FX market dynamics and is common to all platforms for the currency pair.
- `FinalRate` (double, optional) — Max. 7 decimal places The indicative rate including the `UserMargin`, if your platform defined it in the request or the quote: `FinalRate` = `ClientRate` * (1 - `MarginsResponse.User`). The `MarginsResponse.User.Amount` gives the amount of debited currency that your platform could bill to the user for the transaction. If no `UserMargin` was included, the `FinalRate` is the same as the `ClientRate`.

## Examples

**Request**

```json
{
  "body": {
    "CreditedFunds": {
      "Currency": "USD"
    },
    "CreditedWalletType": "FEES",
    "DebitedFunds": {
      "Amount": 5000,
      "Currency": "EUR"
    },
    "DebitedWalletType": "FEES",
    "Tag": "Created using Mangopay API Collection Postman"
  }
}
```

**Response**

```json
{
  "Id": "cvr_01J47619CVSEVWZE480Z245AMB",
  "Type": "CONVERSION",
  "Nature": "REGULAR",
  "CreationDate": 1722523100,
  "Status": "SUCCEEDED",
  "AuthorId": "client-id",
  "DebitedWalletId": "FEES_EUR",
  "CreditedWalletId": "FEES_USD",
  "DebitedFunds": {
    "Currency": "EUR",
    "Amount": 5000
  },
  "CreditedFunds": {
    "Currency": "USD",
    "Amount": 5399
  },
  "ResultCode": "000000",
  "ResultMessage": "Success",
  "ExecutionDate": 1722523101,
  "ConversionRateResponse": {
    "ClientRate": 1.071231,
    "MarketRate": 1.07987
  },
  "Tag": "Created using Mangopay API Collection Postman"
}
```