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Send money from your managed wallet to a single bank account using the wallet transfer APIs. Single transfers are ideal for withdrawals, refunds, and one‑off payouts.

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How it works

  1. Get or create your wallet
    Use the wallet API to get the business wallet for your integration. This gives you the wallet ID, account number, and current balances.
  2. Check available balance
    Call the wallet‑balance endpoint to ensure you have enough available_balance to cover the transfer amount and any fees.
  3. Validate the destination account (optional but recommended)
    Use the validate‑account endpoint (name enquiry) to confirm the destination bank account number and name before sending funds.
  4. Initiate the transfer
    Call the Initiate Transfer API under Transfers with:
    • amount
    • destination account number
    • bank code
    • narration / description
    • a unique reference
    • OTP or any required extra fields (depending on your risk settings)
  5. Check transfer status
    After you receive the initial response, use the transfer‑status endpoint (or webhooks, if enabled) to confirm whether the transfer is pending, success, or failed.
  6. Reconcile wallet transactions
    Use the wallet‑transactions endpoint to fetch a history of debits and credits for the wallet and reconcile payouts with your internal records.

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Key considerations

  • Idempotency: always send a unique reference per transfer so you can safely retry without doubling payouts.
  • Limits and fees: design your UI to reflect any daily limits or per‑transfer caps enforced by your business rules.
  • User experience: clearly communicate pending vs success to end‑users and surface clear error messages when a transfer fails.
For API payloads, headers, and response examples, see the Initiate Transfer reference and the wallet API references under Wallets.