# Transfers

sFOX Connect enables partners to transfer funds between partner and end-user accounts:

* `PAYOUT`: transfer of funds from partner account to end-user account
* `PAYMENT`: transfer of funds from end-user account to partner account

Notes:

* Payout transfers will be executed immediately. 
* Payment transfers will require end-user confirmation via OTP codes.
* Both partner and end-user accounts must have access to the currency being transferred.

SFOX will determine a Partner's ability to perform payout and payment transfers. Each Partner will have distinct permissions on which transfer types are enabled. Permissions can be viewed here:

{% content-ref url="transfers/get-transfer-permissions" %}
[get-transfer-permissions](https://docs.sfox.com/connect/rest-api/transfers/get-transfer-permissions)
{% endcontent-ref %}

{% hint style="info" %}
All Transfers endpoints will require the Enterprise API Key for authentication.
{% endhint %}