> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payvessel.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Single transfers

**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.

## 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](/api-reference/transfers/initiate-transfer)** reference and the wallet API references under **Wallets**.