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Send money to another business

Sends money from your wallet to another iSmartPay business’s wallet, found by its handle. It is held and confirmed in this one request, with no PIN, so a 200 with status completed means the money moved. Wallet transfers carry no fee and count toward your outbound limits. The reference is yours and must be unique for each transfer. Send a required Idempotency-Key header and repeat it, with the same body, after a timeout or a 5xx: the transfer continues and is never sent twice. A reference already used for another transfer is 409 reference_reused; a refused hold is 400 transfer_refused and nothing leaves your wallet; a hold that can no longer be confirmed is 409 transfer_not_held. Requires the wallettransfer.write permission.

POST/v1/transfers
Authorization
AuthorizationBearer token (JWT) · headerrequired

A token from POST /v1/oauth/token on the iSmartPay identity service, obtained with an API credential's client id and secret.

Header parameters
Idempotency-Keystringrequired

A unique value you generate for this attempt, at most 255 characters. Send the same value when you retry the same request: it is answered once, however many times you send it. Reusing a value with a different body is refused with 409 idempotency_key_reused.

min length 1 · max length 255
Request body
requiredapplication/json
referencestringrequired

Your own identifier for this transfer, 1 to 64 letters, digits, underscores or hyphens, starting with a letter or digit. It must be unique for each transfer, and must not start with rvr-, which is kept for reversals.

matches ^[A-Za-z0-9][A-Za-z0-9_-]{0,63}$
handlestringrequired

The recipient business's handle.

max length 40
amountstringrequired

The amount to send. A decimal string in major units.

currencystringrequired
matches ^[A-Z]{3}$
Responses
200

The transfer.

referencestringrequired
amountstringrequired

A decimal string in major units.

currencystringrequired
statusstringrequired

Where the transfer stands: pending, held, completed, declined or failed. Others can appear, so do not treat this list as closed.

recipientHandlestring

Returned when you send.

recipientNamestring

The handle's display name, else the recipient's trading name, else registered name, when known.

failureReasonstring

Why a declined or failed transfer did not go through. Left out otherwise.

createdAtstring<date-time>
400

The request is not valid. message says which field.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

401

The token is missing, expired or not valid. Get a new one from the token endpoint.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

403

The request was understood and refused. Common causes: the token is not an API credential's (forbidden); the credential is for the other environment (environment_mismatch); it does not have the permission this operation needs (forbidden); a limit was reached (limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded); or iSmartPay has suspended or deactivated the business (business_suspended, business_deactivated). A suspended business's API credentials stop exchanging for tokens, so a request made with a token issued just before the suspension is refused with business_suspended.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

404

Nothing was found with that reference or number. For utilities, product_not_found means no product has that productId.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

409

idempotency_key_reused: the key was used before with a different body. request_in_flight: a request with this key is still being processed, so retry shortly. duplicate_reference: the reference is already used by a different request, so choose a new one; sending the same body again under a new key replays the first answer.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

429

Too many requests for this credential. Wait the number of seconds in the Retry-After header, then try again.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

500

Something failed on our side. The message is fixed. If the request was a POST, retry with the same Idempotency-Key and body.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

502

A service behind the API did not answer usably. If the request was a POST, retry with the same Idempotency-Key and body. A party lookup the provider rejects is provider_error.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

503

The API is temporarily unable to tell which environment it serves (environment_unknown), utility purchases are not available right now (utilities_unavailable), a settlement destination could not be name-checked just now (destination_verification_unavailable; retry the same request), or hosted checkout is not set up on this deployment (checkout_unavailable). Retry shortly, except for checkout_unavailable, which lasts until the deployment is configured.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

504

The request took too long. If it was a POST, its outcome is unknown: retry with the same Idempotency-Key and body, or read it back by reference. A party lookup the provider does not answer is provider_timeout: check again before relying on it.

errorobjectrequired
Show properties
codestringrequired

A stable, machine-readable code. Branch on this, not on the message. Codes include invalid_input, unauthenticated, forbidden, environment_mismatch, not_found, rate_limited, idempotency_key_reused, request_in_flight, limits_missing, limits_unusable, tier_ineligible, transaction_limit_exceeded, daily_limit_exceeded, monthly_limit_exceeded, business_suspended, business_deactivated, environment_unknown, duplicate_reference, provider_error, provider_timeout, destination_not_verified, destination_verification_unavailable, upstream_timeout and internal.

messagestringrequired

Readable detail for a person. For any 5xx it is always the fixed text internal server error.

Request
curl -X POST 'https://api.example.com/v1/transfers' \
  -H 'Authorization: Bearer YOUR_TOKEN' \
  -H 'Idempotency-Key: string' \
  -H 'Content-Type: application/json' \
  -d '{
  "reference": "string",
  "handle": "string",
  "amount": "25.00",
  "currency": "GHS"
}'
Response
{
  "reference": "string",
  "amount": "25.00",
  "currency": "GHS",
  "status": "string",
  "recipientHandle": "string",
  "recipientName": "string",
  "failureReason": "string",
  "createdAt": "2019-08-24T14:15:22Z"
}