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Create Bank Transfer​

You can use this endpoint to perform bank account transfer from your main account gotten from the Get Main Account endpoint .

Please note that, by default, merchant configuration for setting regions and service providers is not enabled on new accounts. To create bank transfer successfully after successful sign up and KYB onboarding, contact our support team at support@spotflow.one and request merchant configuration activation for your account.

POST https://api.spotflow.co/api/v1/transfers

Headers

authorization
String

Bearer SECRET_KEY
Include your secret key in the request header as a Bearer token for authorization. Unauthorized requests will result in a 401 HTTP status code.

content-type
String		application/json

Request Body Parameters

reference
String

Specify a unique reference ID generated by your company to track a transaction for later reconciliation.

amount
Integer		Amount should be in the subunit of our supported currency i.e NGN.
currency
String		Select the currency for the payment charge. This is in our supported currency which is currently only NGN and GHS.
source; accountNumber
String		This is your main account number created internally for you on our system
destination; accountNumber
String		This is the desired or the customer's account number that you'll like to transfer to
accountName
String		This is the name/owner of the bank account you're sending money to.
bankCode
String		This is the bank code of the account number on our system gotten from the Fetch All Banks endpoint .
narration
String		This is optional information for you to give details about the reason for the transfer

Sample Request Body For NGN:

{
  "reference": "ref-005",
  "amount": 150,
  "currency": "NGN",
  "source": {
    "accountNumber": "5236790403"
  },
  "destination": {
    "accountNumber": "8083233890",
    "accountName": "Alice Hemsworth",
    "bankCode": "305"
  },
  "narration": "transfertest"
}

Sample Response For NGN:

200 OK 

{
    "reference": "ref-005",
    "spotflowReference": "SPF-TRSF-641c47676e4c4036a6826acf9fc9e950",
    "amount": 150,
    "currency": "NGN",
    "destination": {
        "accountNumber": "8083233890",
        "accountName": "Alice Hemsworth",
        "bankCode": "305"
    },
    "narration": "transfertest",
    "status": "SUCCESSFUL"
}

Sample Request Body For GHS:

{
  "reference": "ref-ghs",
  "amount": 1,
  "currency": "GHS",
  "source": {
    "accountNumber": "5236780675"
  },
  "destination": {
    "accountNumber": "7003000100386",
    "accountName": "Joel Finney",
    "bankCode": "GH280100"
  },
   "narration": "Transfer"
 
}

Sample Response For GHS:

200 OK 

{
    "reference": "ref-ghs",
    "spotflowReference": "SPF-TRSF-0f700d1f77bf4d69b0f8b7005b2aadb1",
    "amount": 1.00,
    "currency": "GHS",
    "destination": {
        "accountNumber": "7003000100386",
        "accountName": "Joel Finney",
        "bankCode": "GH280100",
        "bankName": "Affinity"
    },
    "narration": "Transfer",
    "status": "processing"
}