Transfer — Overview

The transfer feature helps you send funds from your wallets to your customers/vendors in their local currency (NGN, GHS, ZAR, KES, UGX, RWF, TZS, XOF, and ZMW).

Supported Payout Currencies & Channels

Currency	Payout Channel
NGN - Nigeria	Bank Transfer
GHS - Ghana	Bank Transfer and Mobile Money
ZAR - South Africa	Bank Transfer
KES - Kenya	Mobile Money and Bank Transfer
UGX - Uganda	Mobile Money
RWF - Rwanda	Mobile Money
TZS - Tanzania	Mobile Money
XOF - Côte d'Ivoire	Mobile Money
ZMW - Zambia	Mobile Money

For more payout details, see Available Currencies.

Initiate Transfer

Header	Value
Authorization	Bearer SECRET_KEY (see Authentication)
Content-Type	application/json

See Authentication before making requests.

Endpoint: POST {{baseurl}}/transaction/transfer

Sample requests (tabbed by currency/channel):

To simulate successful and failed scenarios, find Test Numbers for Transfers.

NGN Bank transfer:

{
    "amount": 2000,
    "currency": "NGN",
    "country": "Nigeria",
    "bankCode": "057",
    "accountNumber": "1951772514216",
    "reference": "78teguy3rqxxxxx"
}

GHS Bank transfer:

{
    "amount": 1000,
    "currency": "GHS",
    "country": "Ghana",
    "bankCode": "240100",
    "accountNumber": "1056772514218",
    "reference": "78teguy3rqxxxxx"
}

ZAR Bank transfer:

{
    "amount": 100,
    "currency": "ZAR",
    "country": "South Africa",
    "bankCode": "250655",
    "accountNumber": "630xxxxxxxx",
    "accountName": "John Doe"
}

GHS Mobile money:

{
    "amount": 580000,
    "currency": "GHS",
    "MNO": "MTN",
    "msisdn": "0551234987",
    "country": "Ghana",
    "reference": "80qetie3rqxxxxx"
}

KES Bank transfer:

{
    "amount": 1000,
    "currency": "KES",
    "country": "Kenya",
    "bankCode": "57",
    "accountNumber": "032xxxxxx",
    "accountName": "John Doe"
}

KES Mobile money:

{
    "amount": 120000,
    "currency": "KES",
    "MNO": "MPESA",
    "msisdn": "071000000",
    "country": "Kenya"
}

UGX Mobile money:

{
    "amount": 580000,
    "currency": "UGX",
    "MNO": "MTN",
    "msisdn": "[phone]",
    "country": "Uganda"
}

RWF Mobile money:

{
    "amount": 1000,
    "currency": "RWF",
    "country": "Rwanda",
    "MNO": "MTN",
    "msisdn": "123123123"
}

ZMW Mobile money:

{
    "amount": 2700,
    "currency": "ZMW",
    "MNO": "zm_airtel",
    "msisdn": "260970000100",
    "country": "Zambia"
}

XOF Mobile money:

{
    "amount": 20500,
    "currency": "XOF",
    "msisdn": "[phone]",
    "country": "Côte d'Ivoire",
    "MNO": "ORANGE_CI",
    "recipientFirstName": "Cheid",
    "recipientLastName": "Cheid",
    "reference": "test8489273"
}

TZS Mobile money:

{
    "amount": 100000,
    "country": "Tanzania",
    "currency": "TZS",
    "MNO": "MTN",
    "msisdn": "[phone]"
}

Note: bankCode/MNO is dependent on the bank or mobile money operator — see Bank List. Account validation for ZAR transfers is currently not available; documentation will be updated once it is.

A transfer reference (userTransactionRef) is a unique code that enables you to track, manage, and reconcile each transfer request. It helps prevent duplicate transactions. Your reference must be 16–100 alphanumeric characters. If you don't provide one, or it doesn't conform to the format, one is generated for you automatically.

Sample responses:

Processing (200):

{ "success": true, "message": "transfer", "data": "processing" }

Insufficient funds (400):

{ "success": false, "message": "Insufficient funds in GHS wallet" }

Duplicate reference (409):

{ "success": false, "message": "Duplicate transaction" }

Daily transaction limit (400):

{ "success": false, "message": "You can only send 9xxxxxNGN more today" }

Resolution issue (400):

{ "success": false, "message": "Could not resolve account name. Check parameters or try again." }

Omission in required parameter:

{ "success": false, "message": "either a bankCode and accountNumber pair or MNO and msisdn pair is required for transfer" }

All merchants are subject to a standard daily transaction limit of ₦1,000,000 (Naira) or the equivalent of $500 in other currencies.

To transfer above this limit, contact support at [e-mail]

Custom Webhook for Payout

To learn more about custom webhooks, see Custom Webhook Per Transaction.

{
    "amount": 50000,
    "currency": "NGN",
    "country": "Nigeria",
    "bankCode": "50xxx",
    "accountNumber": "200XXXXXX",
    "webhookUrl": "https://webhook.site/e9d63f59-d13d-4db7-a07d-8ecd25443b22"
}

Verify Transfer

A webhook notification is sent whenever a transfer's status changes (see Overview & Verification).

You can also retrieve status directly via the Transaction Status Query.

Supported Currencies for Transfer

See Amount Limits and Settlement Timeline per currency on Available Currencies.