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Prerequisites

Before you begin, make sure you have:
Use your sandbox API key (m2m_test_*) for this guide. You can switch to production once you’re ready to go live.
Let’s say you have a US-based user, Michael Johnson, who holds a bank account in Mexico and needs to send money there. To create a magic link you need at minimum: the user’s first name, last name, and a payment method (in this case, their Mexican bank account).
1

Make the API call

curl -X POST https://api.sandbox.m2m.leapfinancial.com/partner/links \
  -H "X-API-Key: m2m_test_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "referenceId": "user_12345",
    "userData": {
      "name": {
        "firstName": "Michael",
        "lastName": "Johnson"
      },
      "paymentMethod": {
        "type": "bank_account",
        "bankAccount": {
          "country": "MX",
          "accountNumber": "014027000005555558"
        }
      }
    }
  }'
2

Get the response

Response
{
  "success": true,
  "data": {
    "linkId": "link_yourpartner_a1b2c3d4e5f6",
    "referenceId": "user_12345",
    "status": "created",
    "url": "https://widget.m2m.leapfinancial.com/link_yourpartner_a1b2c3d4e5f6/m2m-basic",
    "token": "550e8400-e29b-41d4-a716-446655440000",
    "expiresAt": "2026-02-10T15:30:00.000Z",
    "createdAt": "2026-02-10T14:30:00.000Z"
  }
}
You now have a magic link! The url field contains the link you’ll send to your user. Michael’s name and bank account will be pre-populated in the widget.
3

Send the link to your user

Share the magic link URL with your user through your preferred channel:
  • Email
  • SMS
  • Push notification
  • In-app button or link
When Michael opens the link, he’ll see the M2M widget with his name and bank account already filled in, and can complete the transfer.

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Reduce user friction even further

The example above covers the minimum required fields, but you can pre-fill additional data to skip more steps in the widget:
cURL
curl -X POST https://api.sandbox.m2m.leapfinancial.com/partner/links \
  -H "X-API-Key: m2m_test_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "referenceId": "user_12345",
    "userData": {
      "name": {
        "firstName": "Michael",
        "lastName": "Johnson"
      },
      "idNumber": "123-45-6789",
      "idType": "SSN",
      "dob": "1988-03-22",
      "paymentMethod": {
        "type": "bank_account",
        "bankAccount": {
          "country": "MX",
          "accountNumber": "014027000005555558"
        }
      }
    }
  }'
The more data you provide, the less your users need to enter. See the User Data Guide to understand the trade-offs.

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What happens next

After you create a link:
  1. User opens the link - They see the M2M widget with any pre-populated data
  2. User completes verification - If needed, they verify their identity (CIP)
  3. User initiates transfer - They select amount, payment method, and confirm
  4. You receive webhooks - Get notified about link status and transaction events
Configure a webhook URL in the Partner Portal to receive real-time notifications:
Webhook: link.opened
{
  "event": "link.opened",
  "timestamp": "2026-01-26T14:35:00.000Z",
  "data": {
    "linkId": "link_yourpartner_a1b2c3d4e5f6",
    "referenceId": "user_12345",
    "openedAt": "2026-01-26T14:35:00.000Z"
  }
}
Webhooks are signed with HMAC-SHA256. See Webhook Security to learn how to verify signatures.

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Next steps

Authentication

Learn about API keys and security.

Create Link API

See all available options for creating links.

User Data Guide

Understand the friction vs. integration trade-off.

Webhooks

Set up real-time notifications.