Transfer API

Programmatically send money from a wallet to bank accounts or other ZevPay users via PayID.

Security Notice

Transfer endpoints move funds out of your wallet. These endpoints require a secret key and a wallet with programmable debit enabled. Keep your secret keys secure and consider IP whitelisting.

Authentication

All transfer endpoints require:

1. A secret key (sk_live_* or sk_test_*) passed via Authorization: Bearer sk_live_...
2. The API key must have the transfers permission
3. A programmable-debit wallet must be linked to the API key

See Authentication for details.

---

List Banks

Returns all supported banks for external transfers.

GET /v1/checkout/transfer/banks

Authentication

Secret key required. No transfers permission needed.

Example Request

cURL

curl https://api.zevpaycheckout.com/v1/checkout/transfer/banks \
  -H "Authorization: Bearer sk_live_your_secret_key"

Node.js

const response = await fetch('https://api.zevpaycheckout.com/v1/checkout/transfer/banks', {
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
  },
});
const { data } = await response.json();
console.log(data.banks);

Python

import requests

response = requests.get(
    'https://api.zevpaycheckout.com/v1/checkout/transfer/banks',
    headers={'Authorization': 'Bearer sk_live_your_secret_key'},
)
banks = response.json()['data']['banks']

Response

{
  "success": true,
  "data": {
    "banks": [
      {
        "bankCode": "044",
        "bankName": "Access Bank"
      },
      {
        "bankCode": "058",
        "bankName": "Guaranty Trust Bank"
      }
    ]
  }
}

---

Resolve Bank Account

Verify a bank account number and retrieve the account holder's name (name enquiry).

POST /v1/checkout/transfer/banks/resolve

Authentication

Secret key required. No transfers permission needed.

Request Body

Parameter	Type	Required	Description
account_number	string	Yes	10-digit bank account number
bank_code	string	Yes	Bank code from the List Banks endpoint

Example Request

cURL

curl -X POST https://api.zevpaycheckout.com/v1/checkout/transfer/banks/resolve \
  -H "Authorization: Bearer sk_live_your_secret_key" \
  -H "Content-Type: application/json" \
  -d '{
    "account_number": "0123456789",
    "bank_code": "058"
  }'

Node.js

const response = await fetch('https://api.zevpaycheckout.com/v1/checkout/transfer/banks/resolve', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    account_number: '0123456789',
    bank_code: '058',
  }),
});
const { data } = await response.json();
console.log(data.account_name); // "JOHN DOE"

Python

import requests

response = requests.post(
    'https://api.zevpaycheckout.com/v1/checkout/transfer/banks/resolve',
    headers={'Authorization': 'Bearer sk_live_your_secret_key'},
    json={
        'account_number': '0123456789',
        'bank_code': '058',
    },
)
data = response.json()['data']
print(data['account_name'])  # "JOHN DOE"

Response

{
  "success": true,
  "data": {
    "account_name": "JOHN DOE",
    "account_number": "0123456789",
    "bank_code": "058"
  }
}

---

Calculate Charges

Calculate the fees for a bank transfer before initiating it.

POST /v1/checkout/transfer/charges

Authentication

Secret key required. transfers permission required.

Request Body

Parameter	Type	Required	Description
amount	integer	Yes	Transfer amount in kobo
bank_code	string	Yes	Destination bank code

Example Request

cURL

curl -X POST https://api.zevpaycheckout.com/v1/checkout/transfer/charges \
  -H "Authorization: Bearer sk_live_your_secret_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 500000,
    "bank_code": "058"
  }'

Node.js

const response = await fetch('https://api.zevpaycheckout.com/v1/checkout/transfer/charges', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    amount: 500000,
    bank_code: '058',
  }),
});
const { data } = await response.json();
console.log(data);

Response

{
  "success": true,
  "data": {
    "amount": 500000,
    "fee": 2625,
    "vat": 197,
    "stamp_duty": 0,
    "total": 502822,
    "currency": "NGN"
  }
}

Response Fields

Field	Type	Description
amount	integer	Original transfer amount in kobo
fee	integer	Transfer fee in kobo
vat	integer	VAT on the fee in kobo
stamp_duty	integer	Stamp duty in kobo (applied on amounts ≥ ₦10,000)
total	integer	Total debit amount (amount + fee + vat + stamp_duty) in kobo
currency	string	Currency code ("NGN")

---

Get Balance

Retrieve the available balance of the linked wallet.

GET /v1/checkout/transfer/balance

Authentication

Secret key required. transfers permission required.

Example Request

cURL

curl https://api.zevpaycheckout.com/v1/checkout/transfer/balance \
  -H "Authorization: Bearer sk_live_your_secret_key"

Node.js

const response = await fetch('https://api.zevpaycheckout.com/v1/checkout/transfer/balance', {
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
  },
});
const { data } = await response.json();
console.log(`Balance: ₦${(data.available_balance / 100).toFixed(2)}`);

Response

{
  "success": true,
  "data": {
    "available_balance": 15000000,
    "currency": "NGN"
  }
}

Field	Type	Description
available_balance	integer	Available balance in kobo
currency	string	Currency code ("NGN")

---

Initiate Transfer

Send money to a bank account or ZevPay user. The type field determines the transfer destination.

POST /v1/checkout/transfer

Authentication

Secret key required. transfers permission required.

Request Body: Bank Transfer

Parameter	Type	Required	Description
type	string	Yes	Must be "bank_transfer"
account_number	string	Yes	10-digit destination account number
bank_code	string	Yes	Destination bank code
account_name	string	Yes	Account holder name (from Resolve)
amount	integer	Yes	Amount in kobo (min: 10,000 = ₦100, max: 500,000,000 = ₦5,000,000)
narration	string	No	Transfer description (max 100 characters)
reference	string	No	Your unique reference for idempotency (max 128 characters)
metadata	object	No	Custom key-value metadata

Request Body: PayID Transfer

Parameter	Type	Required	Description
type	string	Yes	Must be "payid"
pay_id	string	Yes	Recipient's ZevPay ID (e.g., "john" or "@john")
amount	integer	Yes	Amount in kobo (min: 10,000, max: 500,000,000)
narration	string	No	Transfer description (max 100 characters)
reference	string	No	Your unique reference for idempotency (max 128 characters)
metadata	object	No	Custom key-value metadata

Example Request: Bank Transfer

cURL

curl -X POST https://api.zevpaycheckout.com/v1/checkout/transfer \
  -H "Authorization: Bearer sk_live_your_secret_key" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "bank_transfer",
    "account_number": "0123456789",
    "bank_code": "058",
    "account_name": "JOHN DOE",
    "amount": 500000,
    "narration": "Vendor payment",
    "reference": "payout_001",
    "metadata": {
      "invoice_id": "INV-2026-001"
    }
  }'

Node.js

const response = await fetch('https://api.zevpaycheckout.com/v1/checkout/transfer', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    type: 'bank_transfer',
    account_number: '0123456789',
    bank_code: '058',
    account_name: 'JOHN DOE',
    amount: 500000,
    narration: 'Vendor payment',
    reference: 'payout_001',
    metadata: { invoice_id: 'INV-2026-001' },
  }),
});
const { data } = await response.json();
console.log(data.reference, data.status);

Python

import requests

response = requests.post(
    'https://api.zevpaycheckout.com/v1/checkout/transfer',
    headers={'Authorization': 'Bearer sk_live_your_secret_key'},
    json={
        'type': 'bank_transfer',
        'account_number': '0123456789',
        'bank_code': '058',
        'account_name': 'JOHN DOE',
        'amount': 500000,
        'narration': 'Vendor payment',
        'reference': 'payout_001',
        'metadata': {'invoice_id': 'INV-2026-001'},
    },
)
data = response.json()['data']
print(data['reference'], data['status'])

Example Request: PayID Transfer

cURL

curl -X POST https://api.zevpaycheckout.com/v1/checkout/transfer \
  -H "Authorization: Bearer sk_live_your_secret_key" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "payid",
    "pay_id": "john",
    "amount": 250000,
    "narration": "Freelance payment"
  }'

Node.js

const response = await fetch('https://api.zevpaycheckout.com/v1/checkout/transfer', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    type: 'payid',
    pay_id: 'john',
    amount: 250000,
    narration: 'Freelance payment',
  }),
});
const { data } = await response.json();
console.log(data.reference, data.status);

Response

{
  "success": true,
  "data": {
    "reference": "ZVP-TRF-abc123def456",
    "public_id": "xK9mQ2pL4vR7nW3jY",
    "type": "bank_transfer",
    "status": "completed",
    "amount": 500000,
    "fees": 2625,
    "vat": 197,
    "stamp_duty": 0,
    "currency": "NGN",
    "narration": "Vendor payment",
    "recipient": {
      "name": "JOHN DOE",
      "bank": "Guaranty Trust Bank",
      "account_number": "0123456789"
    },
    "merchant_reference": "payout_001",
    "metadata": {
      "invoice_id": "INV-2026-001"
    },
    "created_at": "2026-03-08T14:30:00.000Z",
    "completed_at": "2026-03-08T14:30:02.000Z"
  }
}

Response Fields

Field	Type	Description
reference	string	Our transaction reference
public_id	string	Public transaction identifier
type	string	"bank_transfer" or "payid"
status	string	"pending", "completed", or "failed"
amount	integer	Transfer amount in kobo
fees	integer	Transfer fees in kobo (0 for PayID transfers)
vat	integer	VAT in kobo
stamp_duty	integer	Stamp duty in kobo
currency	string	Currency code ("NGN")
narration	string | null	Transfer description
recipient.name	string	Recipient name
recipient.bank	string | null	Recipient bank (bank transfers only)
recipient.account_number	string | null	Recipient account number (bank transfers only)
merchant_reference	string | null	Your idempotency reference
metadata	object | null	Your custom metadata
created_at	string	ISO 8601 timestamp
completed_at	string | null	ISO 8601 timestamp (when completed)

Transfer Status Lifecycle

Status	Description
pending	Transfer is being processed (bank transfers only)
completed	Transfer delivered successfully
failed	Transfer was rejected by the bank

INFO

PayID transfers complete instantly. The status will always be "completed" on success.

Bank transfers may briefly show "pending" before resolving to "completed" or "failed".

Idempotency

If you provide a reference and a transfer with that reference already exists, the API returns the existing transfer instead of creating a duplicate. The response will be identical to the original.

---

List Transfers

Retrieve a paginated list of transfers from the linked wallet.

GET /v1/checkout/transfer

Authentication

Secret key required. transfers permission required.

Query Parameters

Parameter	Type	Default	Description
page	integer	1	Page number
page_size	integer	20	Items per page (max 100)
status	string	none	Filter by status: pending, completed, failed
type	string	none	Filter by type: bank_transfer, payid
search	string	none	Search by reference, recipient name, or account number

Example Request

cURL

curl "https://api.zevpaycheckout.com/v1/checkout/transfer?page=1&page_size=10&status=completed" \
  -H "Authorization: Bearer sk_live_your_secret_key"

Node.js

const params = new URLSearchParams({
  page: '1',
  page_size: '10',
  status: 'completed',
});

const response = await fetch(
  `https://api.zevpaycheckout.com/v1/checkout/transfer?${params}`,
  {
    headers: {
      'Authorization': 'Bearer sk_live_your_secret_key',
    },
  },
);
const { data } = await response.json();
console.log(`${data.total} transfers, page ${data.page}/${data.total_pages}`);

Response

{
  "success": true,
  "data": {
    "items": [
      {
        "reference": "ZVP-TRF-abc123def456",
        "public_id": "xK9mQ2pL4vR7nW3jY",
        "type": "bank_transfer",
        "status": "completed",
        "amount": 500000,
        "fees": 2625,
        "vat": 197,
        "stamp_duty": 0,
        "currency": "NGN",
        "narration": "Vendor payment",
        "recipient": {
          "name": "JOHN DOE",
          "bank": "Guaranty Trust Bank",
          "account_number": "0123456789"
        },
        "merchant_reference": "payout_001",
        "metadata": null,
        "created_at": "2026-03-08T14:30:00.000Z",
        "completed_at": "2026-03-08T14:30:02.000Z"
      }
    ],
    "total": 42,
    "page": 1,
    "page_size": 10,
    "total_pages": 5
  }
}

---

Get Transfer

Retrieve a single transfer by its reference.

GET /v1/checkout/transfer/:reference

Authentication

Secret key required. transfers permission required.

Path Parameters

Parameter	Type	Description
reference	string	The transfer reference

Example Request

cURL

curl https://api.zevpaycheckout.com/v1/checkout/transfer/ZVP-TRF-abc123def456 \
  -H "Authorization: Bearer sk_live_your_secret_key"

Node.js

const reference = 'ZVP-TRF-abc123def456';
const response = await fetch(
  `https://api.zevpaycheckout.com/v1/checkout/transfer/${reference}`,
  {
    headers: {
      'Authorization': 'Bearer sk_live_your_secret_key',
    },
  },
);
const { data } = await response.json();
console.log(data.status);

Response

Returns the same transfer object as the initiate endpoint.

---

Verify Transfer

Check the current status of a transfer. For bank transfers, this queries the banking provider for the latest status.

GET /v1/checkout/transfer/:reference/verify

Authentication

Secret key required. transfers permission required.

Path Parameters

Parameter	Type	Description
reference	string	The transfer reference

Example Request

cURL

curl https://api.zevpaycheckout.com/v1/checkout/transfer/ZVP-TRF-abc123def456/verify \
  -H "Authorization: Bearer sk_live_your_secret_key"

Node.js

const reference = 'ZVP-TRF-abc123def456';
const response = await fetch(
  `https://api.zevpaycheckout.com/v1/checkout/transfer/${reference}/verify`,
  {
    headers: {
      'Authorization': 'Bearer sk_live_your_secret_key',
    },
  },
);
const { data } = await response.json();
console.log(data.status); // "completed" | "pending" | "failed"

Response

Returns the same transfer object as the initiate endpoint, with the most up-to-date status.

TIP

Use the verify endpoint after receiving a transfer.failed webhook to confirm the final status, or to poll pending transfers that haven't received a webhook yet.

---

Errors

Status	Code	Description
400	Bad Request	Invalid parameters (missing fields, invalid amount range)
400	Bad Request	Transfer not found (wrong reference)
400	Bad Request	Insufficient balance
400	Bad Request	Self-transfer not allowed (PayID transfers)
403	Forbidden	Secret key required
403	Forbidden	API key missing transfers permission
403	Forbidden	No transfer wallet linked to API key
403	Forbidden	Programmable debit disabled on wallet
403	Forbidden	Wallet does not belong to this business

Try it: List Banks

API Playground

GEThttps://api.zevpaycheckout.com/v1/checkout/transfer/banks

API Key Stored locally in your browser

Try it: Resolve Bank Account

API Playground

POSThttps://api.zevpaycheckout.com/v1/checkout/transfer/banks/resolve

API Key Stored locally in your browser

Request Body

account_number *string

bank_code *string

Try it: Get Balance

API Playground

GEThttps://api.zevpaycheckout.com/v1/checkout/transfer/balance

API Key Stored locally in your browser

Try it: Initiate Transfer

API Playground

POSThttps://api.zevpaycheckout.com/v1/checkout/transfer

API Key Stored locally in your browser

Request Body

type *selectSelect...Bank TransferPayID

account_number string

bank_code string

account_name string

pay_id string

amount *integer

narration string

reference string

Try it: List Transfers

API Playground

GEThttps://api.zevpaycheckout.com/v1/checkout/transfer

API Key Stored locally in your browser

Query Parameters

page

page_size

status Select...PendingCompletedFailed

type Select...Bank TransferPayID

search