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POST
Create Transfer
Initiate a money transfer to any Nigerian bank account.

Endpoint

Request Body

number
required
Amount in kobo (e.g., 10000 = ₦100.00)
string
required
Recipient account number (10 digits)
string
required
Recipient bank code (e.g., 058 for GTBank)
string
required
Transfer description (max 100 characters)
string
Unique reference for this transfer (auto-generated if not provided)
string
default:"NGN"
Currency code (currently only NGN supported)
object
Additional data to store with the transfer

Response

string
Unique transfer ID
number
Transfer amount in kobo
number
Transaction fee in kobo
number
Total amount debited (amount + fee)
string
Recipient account number
string
Recipient account name
string
Recipient bank name
string
Transfer status (pending, processing, completed, failed)
string
Unique reference
string
Transfer description
string
Provider session ID
string
ISO 8601 timestamp

Example Request

Example Response

Transfer Fees

Fees are automatically deducted from your wallet balance.

Processing Time

  • Instant: Most transfers complete within seconds
  • Same Day: Some banks may take up to 24 hours
  • Webhook: You’ll receive a webhook when the transfer completes

Error Responses

Idempotency

Use the reference parameter to prevent duplicate transfers:

Next Steps

Get Transfer

Check transfer status

List Transfers

View all transfers

Resolve Account

Verify account before sending

Webhooks

Handle transfer events