> ## Documentation Index
> Fetch the complete documentation index at: https://apidocs.bridge.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Make recurring payments

A **static template transfer** (AKA payment route in dashboard) that lets you generate reusable deposit instructions (like an ACH memo) that trigger a transfer automatically when funds are sent to Bridge. Your customers can continue to use the deposit instructions to send money as long as the static template remains active.

![](https://files.readme.io/90b7930e8ce414f975cccda396c27b11b574bc04d5d29bf43e54632d0faf7372-image.png)

***

<Steps>
  <Step title="Step 1: Create a Static Template" titleSize="h2">
    Use the [Create a transfer](/api-reference/transfers/create-a-transfer) endpoint and set `"static_template": true`.

    ```bash Request theme={null}
    curl --location --request POST 'https://api.bridge.xyz/v0/transfers' \
    --header 'Api-Key: <API Key>' \
    --header 'Idempotency-Key: <Unique Key>' \
    --header 'Content-Type: application/json' \
    --data-raw '{
      "on_behalf_of": "cust_alice",
      "source": {
        "payment_rail": "sepa",
        "currency": "eur"
      },
      "destination": {
        "payment_rail": "polygon",
        "currency": "usdc",
        "to_address": "0xdeadbeef"
      },
      "features": {
      	"static_template": true
        "allow_from_any_address": true // lets the deposit originate from any address
      }
    }'
    ```

    The response object will contain deposit instructions. You can share these with your customers. Every time your customers send Bridge a deposit with the message `BRGEXAMPLEMEMO`, we will match it to this template, and **create a new transfer instance.**

    ```json Response expandable theme={null}
    {
      "id": "transfer_template_123",
      "state": "awaiting_funds",
      "on_behalf_of": "cust_alice",
      "source": {
        "payment_rail": "sepa",
        "currency": "eur"
      },
      "destination": {
        "payment_rail": "polygon",
        "currency": "usdc",
        "to_address": "0xdeadbeef"
      },
      // Share this with your customer
      "source_deposit_instructions": {
        "payment_rail": "sepa",
        "currency": "eur",
        "deposit_message": "BRGEXAMPLEMEMO",
        "iban": "IE57MODR99035505123456",
        "bic": "MODRIE22XXX",
        "account_holder_name": "Bridge Building Sp.z.o.o.",
        "bank_name": "Modulr Finance B.V.",
        "bank_address": "Strawinskylaan 4117, 1077 ZX Amsterdam, The Netherlands"
      },
     "features": {
        "static_template": true,
        "flexible_amount": true
      },
      "created_at": "2023-05-05T19:39:14.316Z",
      "updated_at": "2023-05-05T19:39:15.231Z"
    }
    ```
  </Step>

  <Step title="Step 2: Customer sends funds" titleSize="h2">
    Each time funds match the template (e.g. via SEPA + deposit message), Bridge:

    * Creates a new Transfer instance
    * Processes the transfer automatically
    * Sends you a webhook
    * Makes it available to fetch at [Get all transfers](/api-reference/transfers/get-all-transfers)

    ### Fetching static template created transfers via API

    Use the template ID to list all matched transfers.

    ```bash Request expandable theme={null}
    curl --request GET \
      --url 'https://api.bridge.xyz/v0/transfers?template_id=transfer_template_123' \
      --header 'Api-Key: <API Key>'
    ```

    Each resulting transfer instance is represented as a unique transfer object.

    ```json Response expandable theme={null}
    {
      "count": 2,
      "data": [
        {
          "id": "transfer_instance_456",
          "state": "payment_processed",
          "on_behalf_of": "cust_alice",
          "amount": "1234.0",
          "source": {
            "payment_rail": "sepa",
            "currency": "eur",
          },
          "destination": {
            "payment_rail": "polygon",
            "currency": "usdc",
            "to_address": "0xdeadbeef"
          },
          "source_deposit_instructions": {
            "payment_rail": "sepa",
            "currency": "eur",
            "deposit_message": "BRGEXAMPLEMEMO",
            "iban": "IE57MODR99035505123456",
            "bic": "MODRIE22XXX",
            "account_holder_name": "Bridge Building Sp.z.o.o.",
            "bank_name": "Modulr Finance B.V.",
            "bank_address": "Strawinskylaan 4117, 1077 ZX Amsterdam, The Netherlands"
          },
          "receipt": {
            "initial_amount": "1234.0",
            "developer_fee": "0.0",
            "exchange_fee": "0.0",
            "subtotal_amount": "1234.0",
            "url": "https://dashboard.bridge.xyz/transaction/4181f2d9-7647-4249-b340-068d6ebdf8a2/receipt/c571e913-1f94-457e-a158-4249526b847b",
            gas_fee: "0.0",
            final_amount: "1234.0",
            destination_tx_hash: "0x628ec487573fc503c3cad909bcd271d29a906257dc19a27db8cc82f213cf95e2",
          },
         "features": {
            "static_template": true,
            "flexible_amount": true
          },
          "created_at": "2024-10-06T19:39:14.316Z",
          "updated_at": "2024-10-06T19:39:15.231Z"
        },
        {
          "id": "transfer_template_123",
          "state": "awaiting_funds",
          "on_behalf_of": "cust_alice",
          "source": {
            "payment_rail": "sepa",
            "currency": "eur",
          },
          "destination": {
            "payment_rail": "polygon",
            "currency": "usdc",
            "to_address": "0xdeadbeef"
          },
          "source_deposit_instructions": {
            "payment_rail": "sepa",
            "currency": "eur",
            "deposit_message": "BRGEXAMPLEMEMO",
            "iban": "IE57MODR99035505123456",
            "bic": "MODRIE22XXX",
            "account_holder_name": "Bridge Building Sp.z.o.o.",
            "bank_name": "Modulr Finance B.V.",
            "bank_address": "Strawinskylaan 4117, 1077 ZX Amsterdam, The Netherlands"
          },
         "features": {
            "static_template": true,
            "flexible_amount": true
          },
          "created_at": "2024-10-05T19:39:14.316Z",
          "updated_at": "2024-10-05T19:39:15.231Z"
        }
      ]
    }
    ```
  </Step>
</Steps>

## Tips

* Omit "amount" to make the template flexible (`flexible_amount: true`)
* Use [Update a transfer](/api-reference/transfers/update-a-transfer) to modify template behavior (applies only to future deposits)
* Static templates use **shared deposit instructions**, unlike Virtual Accounts, which are customer-specific