Payouts / Transfers

Initiate a bank or mobile money transfer.

The request is logged and processed asynchronously. Final settlement status is delivered through webhook notification.

Endpoint

POST https://backendapi.sayswitchgroup.com/api/v1/bank_transfer

Headers

Authorization: Bearer YOUR_SECRET_KEY
Content-Type: application/json

Request Body Parameters

Parameter	Type	Required	Description
`account_name`	String	Yes	Beneficiary account name
`account_number`	String	Yes	Beneficiary account number or mobile number
`amount`	String	Yes	Transfer amount in `KES` or `GHS`
`bank_code`	String	Yes	Bank or mobile money provider code from the bank list
`bank_name`	String	Yes	Bank or mobile money provider name
`currency`	String	Yes	Currency code. Use `KES` or `GHS`
`narration`	String	Yes	Transfer description or memo
`reference`	String	Yes	Unique transaction reference. UUID v4 is recommended
`paymentMode`	String	Yes	Use `bank` for bank transfer or `momo` for mobile money

Example Request Body

{
  "account_name": "John Doe",
  "account_number": "0245690993",
  "amount": "10",
  "bank_code": "MTNGH",
  "bank_name": "MTNGH",
  "currency": "GHS",
  "narration": "Test transfer",
  "reference": "e34e9b38-e0ac-4007-bf98-1fbad45964d2",
  "paymentMode": "momo"
}

Sample cURL

curl -X POST "https://backendapi.sayswitchgroup.com/api/v1/bank_transfer" \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_name": "John Doe",
    "account_number": "0245690993",
    "amount": "10",
    "bank_code": "MTNGH",
    "bank_name": "MTNGH",
    "currency": "GHS",
    "narration": "Test transfer",
    "reference": "e34e9b38-e0ac-4007-bf98-1fbad45964d2",
    "paymentMode": "momo"
  }'

Success Response

HTTP 200 OK

{
  "success": true,
  "message": "Transfer successfully logged and Processing",
  "data": {
    "reference": "e34e9b38-e0ac-4007-bf98-1fbad45964d2",
    "currency": "GHS",
    "amount": "10",
    "fee": 1,
    "stamp_duty": 0,
    "bank_code": "MTNGH",
    "bank_name": "MTNGH",
    "countryCode": "GH",
    "serviceCode": null,
    "paymentMode": "momo",
    "account_number": "233245690993",
    "account_name": "JOSHUA AKANYIFE",
    "narration": "Test transfer",
    "domain": "live",
    "status": "pending",
    "created_at": "2026-05-12T12:25:30.000000Z"
  }
}

Response Data Fields

Field	Type	Description
`reference`	String	Unique transaction reference
`currency`	String	Transaction currency
`amount`	String	Transfer amount
`fee`	Number	Transaction fee charged
`stamp_duty`	Number	Government stamp duty, if applicable
`bank_code` / `bank_name`	String	Destination bank identifiers
`paymentMode`	String	Transfer mode: `bank` or `momo`
`account_number`	String	Beneficiary account or phone number, normalized
`account_name`	String	Verified beneficiary name
`domain`	String	`live` or `test`
`status`	String	Initial status. The transfer is returned as `pending`
`created_at`	String	ISO 8601 timestamp of creation

Account Name Verification Webhooks