Create a transfer

Creates a direct transfer using only the recipient and sender IDs. Before calling this endpoint, make sure you have already created both the recipient and the sender via their respective endpoints and obtained their IDs.

POST /transfers

Initiate a Transfer

cURL

curl --request POST \
  --url https://api.flutterwave.com/v3/transfers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_bank": "044",
  "account_number": "0690000040",
  "amount": 500,
  "narration": "Akhlm Pstmn Trnsfr xx007",
  "currency": "NGN",
  "reference": "akhlm-pstmnpyt-rfxx078_PMCKDU_1",
  "callback_url": "https://www.flutterwave.com/ng/",
  "debit_currency": "NGN"
}
'

import requests

url = "https://api.flutterwave.com/v3/transfers"

payload = {
    "account_bank": "044",
    "account_number": "0690000040",
    "amount": 500,
    "narration": "Akhlm Pstmn Trnsfr xx007",
    "currency": "NGN",
    "reference": "akhlm-pstmnpyt-rfxx078_PMCKDU_1",
    "callback_url": "https://www.flutterwave.com/ng/",
    "debit_currency": "NGN"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    account_bank: '044',
    account_number: '0690000040',
    amount: 500,
    narration: 'Akhlm Pstmn Trnsfr xx007',
    currency: 'NGN',
    reference: 'akhlm-pstmnpyt-rfxx078_PMCKDU_1',
    callback_url: 'https://www.flutterwave.com/ng/',
    debit_currency: 'NGN'
  })
};

fetch('https://api.flutterwave.com/v3/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.flutterwave.com/v3/transfers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'account_bank' => '044',
    'account_number' => '0690000040',
    'amount' => 500,
    'narration' => 'Akhlm Pstmn Trnsfr xx007',
    'currency' => 'NGN',
    'reference' => 'akhlm-pstmnpyt-rfxx078_PMCKDU_1',
    'callback_url' => 'https://www.flutterwave.com/ng/',
    'debit_currency' => 'NGN'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.flutterwave.com/v3/transfers"

	payload := strings.NewReader("{\n  \"account_bank\": \"044\",\n  \"account_number\": \"0690000040\",\n  \"amount\": 500,\n  \"narration\": \"Akhlm Pstmn Trnsfr xx007\",\n  \"currency\": \"NGN\",\n  \"reference\": \"akhlm-pstmnpyt-rfxx078_PMCKDU_1\",\n  \"callback_url\": \"https://www.flutterwave.com/ng/\",\n  \"debit_currency\": \"NGN\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.flutterwave.com/v3/transfers")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_bank\": \"044\",\n  \"account_number\": \"0690000040\",\n  \"amount\": 500,\n  \"narration\": \"Akhlm Pstmn Trnsfr xx007\",\n  \"currency\": \"NGN\",\n  \"reference\": \"akhlm-pstmnpyt-rfxx078_PMCKDU_1\",\n  \"callback_url\": \"https://www.flutterwave.com/ng/\",\n  \"debit_currency\": \"NGN\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.flutterwave.com/v3/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_bank\": \"044\",\n  \"account_number\": \"0690000040\",\n  \"amount\": 500,\n  \"narration\": \"Akhlm Pstmn Trnsfr xx007\",\n  \"currency\": \"NGN\",\n  \"reference\": \"akhlm-pstmnpyt-rfxx078_PMCKDU_1\",\n  \"callback_url\": \"https://www.flutterwave.com/ng/\",\n  \"debit_currency\": \"NGN\"\n}"

response = http.request(request)
puts response.read_body

200

{
  "status": "success",
  "message": "Transfer Queued Successfully",
  "data": {
    "id": 621922,
    "account_number": "0690000040",
    "bank_code": "044",
    "full_name": "Alexis Sanchez",
    "created_at": "2024-03-18T08:58:30.000Z",
    "currency": "NGN",
    "debit_currency": "NGN",
    "amount": 500,
    "fee": 10.75,
    "status": "NEW",
    "reference": "akhlm-pstmnpyt-rfxx078_PMCKDU_1",
    "meta": null,
    "narration": "Akhlm Pstmn Trnsfr xx007",
    "complete_message": "",
    "requires_approval": 0,
    "is_approved": 1,
    "bank_name": "ACCESS BANK NIGERIA"
  }
}

{
  "status": "error",
  "message": "Transfer creation failed",
  "data": {
    "id": 621925,
    "account_number": "0690000099",
    "bank_code": "044",
    "full_name": "N/A",
    "created_at": "2024-03-18T09:02:14.000Z",
    "currency": "NGN",
    "debit_currency": "NGN",
    "amount": 500,
    "fee": 10.75,
    "status": "FAILED",
    "reference": "akhlm-pstmnpyt-rfxx678_PMCKDU_1",
    "meta": null,
    "narration": "Akhlm Pstmn Trnsfr xx007",
    "complete_message": "Account resolve failed",
    "requires_approval": 0,
    "is_approved": 1,
    "bank_name": "N/A"
  }
}

Authorizations

Authorization · string · header · required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json

account_bank · string · required

account_number · string · required

amount · integer<int32> · required

narration · string · required

currency · string · required

reference · string · required

callback_url · string · required

debit_currency · string · required

Response

200

application/json; charset=utf-8

OK

status · string · required

message · string · required

data · Data30 · object · required

Show child attributes

Example:

{
  "id": 621922,
  "account_number": "0690000040",
  "bank_code": "044",
  "full_name": "Alexis Sanchez",
  "created_at": "2024-03-18T08:58:30.000Z",
  "currency": "NGN",
  "debit_currency": "NGN",
  "amount": 500,
  "fee": 10.75,
  "status": "NEW",
  "reference": "akhlm-pstmnpyt-rfxx078_PMCKDU_1",
  "meta": null,
  "narration": "Akhlm Pstmn Trnsfr xx007",
  "complete_message": "",
  "requires_approval": 0,
  "is_approved": 1,
  "bank_name": "ACCESS BANK NIGERIA"
}