Thank you for these answers. I should clarify the questions.
"2) Under Sandbox, I can retrieve the balance funding source by ID, and the response will actually includes the amount of funds available (i.e. $970.00, USD). I always thought that I could only do this under Access API.
Is this because this is sandbox? Is this info always available for the balance funding source (regardless of sandbox vs production, and regardless of access api vs transfer api)? That would make sense, and that would be great.'
This is what I am referring to:
-I understand that the balance funding source is available, but can I query for the available funds on this balance source even if I am using transfer API?
“3. Is there a difference in processing time between a transfer initiated from a bank vs a balance funding source?”
-If i read the link correctly, a transfer between two balance funding sources (not banks) happens instantly?
“4. Can you have a negative balance here? Can a user overfund? If so, how does that work?”
“A user can never overfund a balance. The only way a user can have a negative balance is if a transaction that has been sent on to another party fails “post-settlement”. If Joe pays Jane $10 and the transaction is marked successful, an ACH return can come back later from Joe’s bank (i.e. insufficient funds) which would then pull Joe’s balance negative for the amount of the transaction.”
-I don’t completely understand, but It sounds as if I would not have to worry about this if my application forces non-bank transfers (balance funding sources only). Is that right?
-And one more question…can a transfer from a balance funding source to a balance funding source be cancelled (by the user that is)? If so, is there a way to make it so that a user can’t cancel a transfer?