# Create a funding recipient, optionally check the balance, then send funds via a funding instruction.

Create a funding recipient, optionally check the balance, then send funds via a funding instruction.

1. Compose the set-up-a-funding-recipient sub-workflow to create the funding recipient together with its inline owner and credit funding account. Surfaces the recipientId and fundingAccountId used as the destination of the funding instruction.
 [set-up-a-funding-recipient](/workflows/set-up-a-funding-recipient)
2. OPTIONAL — read the merchant's funding balances and confirm sufficient available funds before distributing them. The response reports funds, pending, and available separately - only the available amount can be sent in a funding instruction. Filter to the target merchant with the merchantId query parameter.
 [getFundingBalance](/api/get-funding-balance)
3. Create the funding instruction that moves funds from the merchant's balance to the recipient's funding account. The single merchants entry names the merchantId being distributed; its single recipients entry targets the fundingAccountId from the sub-workflow, with paymentMethod ACH and the amount in cents. For SPLIT FUNDING, add more recipients entries (each with its own fundingAccountId and amount) and/or more merchants entries. Requires a unique Idempotency-Key header.
 [createInstruction](/api/create-instruction)

## Workflow diagram

```mermaid
flowchart TD
  step0["1. set up funding recipient · Workflow"]
  step1["2. check available balance · API"]
  step0 --> step1
  step2["3. create funding instruction · API"]
  step1 --> step2
```