Single Transfer

This functionality enables you to create a virtual account on behalf of your customers. The assigned account number is unique to each customer.

Before you begin!

To send money on Padiwise, you need API keys to authenticate your transfers. You can find your keys on the Padiwise Dashboard under Settings → API Keys & Webhooks.

Create a transfer recipient

A transfer recipient is a beneficiary on your integration that you can send money to. Before sending money to your customer, you need to collect their details first, then use their details to create a transfer recipient. We support different recipients in different countries:

The recipient_code from the data object is the unique identifier for a user and would be used to make transfers to that customer This code should be saved with the customer's records in your database.

Initiate a Transfer

When you send this request, if there are no errors, the response comes back with a pending status, while the transfer is being processed.

POST {{ BASE }}/transfer

--header 'Accept: application/json'
--header 'Authorization: Bearer {{  access_token }}'

Below are the request body parameters 🎉

Request Body

Name	Type	Description
recipient_code	String	Code for transfer recipient
account_name	String	Account Name on bank
account_number	Number	Nigerian Uniform Bank Account Number. It represents bank accounts in Nigeria.
bank_name	String	Bank Name
bank_code	String	Unique Bank Code
amount	Number	Amount to transfer
transaction_pin	String	Your Padiwise account pin

Response Body

{
    "statuscode": 200,
    "status": true,
    "message": "Transfer initiated successfully",
    "event_type": "transfer_money",
    "reference": "CUS_7ieiebfwy09k6qo",
    "data": {
        "amount": 2000,
        "charges": 12,
        "account_name": "Oluwaseun Olajuwon",
        "account_number": 1234567890,
        "bank_name": Wema Bank
        }
}

Retrying a transfer

If there is an error with the transfer request, kindly retry the transaction with the same reference in order to avoid double crediting. If a new reference is used, the transfer would be treated as a new request.

Test transfers always return success, because there is no processing involved. The live transfers processing usually take between a few seconds and a few minutes. When it's done processing, a notification is sent to your webhook URL.

Once a transfer is processed, we send the final status of the transfer as a POST request to your webhook URL.

Event	Description
transfer.success	This is sent when the transfer is successful
transfer.failed	This is sent when the transfer fails
transfer.reversed	This is sent when we refund a previously debited amount for a transfer that couldn’t be completed

The response for a transfer also contains a unique transfer code to identify this transfer. You can use this code to call the Fetch Transfer^API endpoint to get the status and details of the transfer.