Wallet-To-Wallet Transfer

Move funds between SaySwitch NGN wallets.

Endpoint

POST /api/s2s/v1/wallet/transfer

Request Body

{
  "source_wallet_code": "NGN169SOURCE",
  "destination_wallet_code": "NGN200DEST",
  "amount": 5000,
  "reference": "WTW_1234567890123456",
  "narration": "Move funds"
}

Sample Response

{
  "success": true,
  "message": "Wallet transfer successful",
  "data": {
    "reference": "WTW_1234567890123456",
    "amount": 5000,
    "fee": 0,
    "currency": "NGN",
    "status": "success",
    "wallet_id": 123,
    "wallet_code": "NGN169SOURCE",
    "account_number": "NGN200DEST",
    "bank_name": "SaySwitch Wallet"
  }
}

Rules

source_wallet_code must belong to the authenticated merchant.
destination_wallet_code can belong to any merchant on SaySwitch.
Source and destination wallets must both be NGN.
Source and destination wallets must be on the same domain.
Test wallets cannot transfer to live wallets, and live wallets cannot transfer to test wallets.
Source wallet must have sufficient balance.
Fee is 0.
A webhook is sent using the existing payout/transfer webhook flow.

USSD Payment With Wallet Overview