Transfers API

The Transfers API allows you to send money to beneficiaries through various channels, such as mobile money accounts and bank accounts. Use these endpoints to programmatically initiate and manage transfers.

All transfer-related endpoints require both standard API key authentication and additional authentication using the X-Grant header for enhanced security.

Authorization: YOUR_PUBLIC_KEY
X-Grant: YOUR_PRIVATE_KEY

For API transfers, you must add your IP address to the whitelist in your dashboard at https://business.notchpay.co/settings/developer/ips

The Transfer Object

{
  "id": "trf_123456789",
  "reference": "ref_123456789",
  "amount": 5000,
  "currency": "XAF",
  "status": "complete",
  "beneficiary": "ben_123456789",
  "channel": "cm.mtn",
  "description": "Salary payment",
  "metadata": {},
  "created_at": "2023-01-01T12:00:00Z",
  "completed_at": "2023-01-01T12:05:00Z"
}

Transfer Object Properties

string

Unique identifier for the transfer

string

Your custom reference for the transfer

number

Amount of the transfer in the smallest currency unit

string

Three-letter ISO currency code

string

Status of the transfer: pending, processing, complete, failed, canceled

string

ID of the beneficiary receiving the transfer

string

Payment channel used for the transfer (e.g., cm.mtn, cm.orange)

string

Description of the transfer

object

Additional data attached to the transfer

string

Timestamp when the transfer was created

string

Timestamp when the transfer was completed (if applicable)

API Endpoints

List All Transfers

Request
Response

GET /transfers

Retrieve a list of transfers with pagination.

Query Parameters

integer

Number of items per page (default: 30, max: 100)

integer

Page number (default: 1)

string

Search by reference or beneficiary

string

Filter by status

string

Filter by transfer channels (comma-separated)

string

Start date filter (format: YYYY-MM-DD)

string

End date filter (format: YYYY-MM-DD)

{
  "code": 200,
  "status": "OK",
  "message": "Transfers retrieved",
  "totals": 50,
  "last_page": 2,
  "current_page": 1,
  "selected": 30,
  "items": [
    {
      "id": "trf_123456789",
      "reference": "ref_123456789",
      "amount": 5000,
      "currency": "XAF",
      "status": "complete",
      "beneficiary": "ben_123456789",
      "channel": "cm.mtn",
      "created_at": "2023-01-01T12:00:00Z"
    },
    // More transfers...
  ]
}

Create a Transfer

Request
Response

POST /transfers

Initiate a new transfer to a beneficiary.

Request Parameters

number

required

Amount to transfer in the smallest currency unit

string

required

Three-letter ISO currency code (e.g., XAF)

string

ID of an existing beneficiary (required if beneficiary details are not provided)

object

Beneficiary details (required if beneficiary is not provided)

Show Beneficiary Data Object

string

required

Beneficiary’s name

string

Beneficiary’s email address

string

required

Beneficiary’s phone number

string

Account number for bank transfers

string

Bank code for bank transfers

string

Beneficiary’s country code

string

required

Payment channel to use for the transfer

string

Description of the transfer

string

Unique reference for the transfer

object

Additional data to attach to the transfer

Example Requests

{
  "amount": 5000,
  "currency": "XAF",
  "beneficiary": "ben_123456789",
  "channel": "cm.mtn",
  "description": "Salary payment",
  "reference": "salary_jan_2023"
}

{
  "amount": 5000,
  "currency": "XAF",
  "beneficiary_data": {
    "name": "John Doe",
    "phone": "+237670000000",
    "email": "john@example.com"
  },
  "channel": "cm.mtn",
  "description": "Salary payment",
  "reference": "salary_jan_2023"
}

{
  "status": "Accepted",
  "message": "Transfer initiated",
  "code": 201,
  "transfer": {
    "id": "trf_123456789",
    "reference": "salary_jan_2023",
    "amount": 5000,
    "currency": "XAF",
    "status": "pending",
    "beneficiary": "ben_123456789",
    "channel": "cm.mtn",
    "description": "Salary payment",
    "created_at": "2023-01-01T12:00:00Z"
  }
}

After initiating a transfer, you should monitor its status using webhooks or by retrieving it periodically.

Retrieve a Transfer

Request
Response

GET /transfers/{id}

Retrieve details of a specific transfer.

Path Parameters

string

required

ID or reference of the transfer to retrieve

{
  "status": "Accepted",
  "message": "Transfer retrieved",
  "code": 202,
  "transfer": {
    "id": "trf_123456789",
    "reference": "salary_jan_2023",
    "amount": 5000,
    "currency": "XAF",
    "status": "complete",
    "beneficiary": "ben_123456789",
    "channel": "cm.mtn",
    "description": "Salary payment",
    "created_at": "2023-01-01T12:00:00Z",
    "completed_at": "2023-01-01T12:05:00Z"
  }
}

Cancel a Transfer

Request
Response

DELETE /transfers/{id}

Cancel a pending transfer.

Path Parameters

string

required

ID or reference of the transfer to cancel

{
  "code": 202,
  "status": "Accepted",
  "message": "Transfer canceled successfully"
}

You can only cancel transfers that are in the pending status. Transfers that are already processing, complete, or failed cannot be canceled.

Bulk Transfers

Create a Bulk Transfer

Request
Response

POST /transfers/bulk

Initiate multiple transfers in a single request.

Request Parameters

array

required

Array of transfer objects

Show Transfer Object

number

required

Amount to transfer

string

ID of an existing beneficiary

object

Beneficiary details (if not using an existing beneficiary)

string

required

Payment channel

string

Unique reference

string

Description

string

required

Three-letter ISO currency code for all transfers

string

Description for the bulk transfer

Example Request

{
  "currency": "XAF",
  "description": "January 2023 Payroll",
  "transfers": [
    {
      "amount": 5000,
      "beneficiary": "ben_123456789",
      "channel": "cm.mtn",
      "reference": "salary_john_jan_2023"
    },
    {
      "amount": 7000,
      "beneficiary_data": {
        "name": "Jane Doe",
        "phone": "+237670000001",
        "email": "jane@example.com"
      },
      "channel": "cm.orange",
      "reference": "salary_jane_jan_2023"
    }
  ]
}

{
  "status": "Accepted",
  "message": "Bulk transfer initiated",
  "code": 201,
  "bulk_transfer": {
    "id": "btrf_123456789",
    "description": "January 2023 Payroll",
    "currency": "XAF",
    "total_amount": 12000,
    "total_transfers": 2,
    "created_at": "2023-01-01T12:00:00Z",
    "transfers": [
      {
        "id": "trf_123456789",
        "reference": "salary_john_jan_2023",
        "amount": 5000,
        "status": "pending"
      },
      {
        "id": "trf_987654321",
        "reference": "salary_jane_jan_2023",
        "amount": 7000,
        "status": "pending"
      }
    ]
  }
}

Bulk transfers are processed asynchronously. Individual transfers may succeed or fail independently.

Retrieve a Bulk Transfer

Request
Response

GET /transfers/bulk/{id}

Retrieve details of a specific bulk transfer.

Path Parameters

string

required

ID of the bulk transfer to retrieve

{
  "status": "Accepted",
  "message": "Bulk transfer retrieved",
  "code": 202,
  "bulk_transfer": {
    "id": "btrf_123456789",
    "description": "January 2023 Payroll",
    "currency": "XAF",
    "total_amount": 12000,
    "total_transfers": 2,
    "created_at": "2023-01-01T12:00:00Z",
    "transfers": [
      {
        "id": "trf_123456789",
        "reference": "salary_john_jan_2023",
        "amount": 5000,
        "status": "complete",
        "beneficiary": "ben_123456789",
        "channel": "cm.mtn",
        "completed_at": "2023-01-01T12:05:00Z"
      },
      {
        "id": "trf_987654321",
        "reference": "salary_jane_jan_2023",
        "amount": 7000,
        "status": "complete",
        "beneficiary": "ben_987654321",
        "channel": "cm.orange",
        "completed_at": "2023-01-01T12:07:00Z"
      }
    ]
  }
}

Transfer Statuses

pending

Transfer has been initiated but not yet processed

processing

Transfer is being processed by the payment provider

complete

Transfer has been completed

failed

Transfer attempt failed

canceled

Transfer was canceled by the merchant

Webhooks for Transfers

To receive real-time notifications about transfer status changes, set up webhooks for the following events:

transfer.created

Triggered when a new transfer is created

{
  "id": "evt_123456789",
  "type": "transfer.created",
  "data": {
    "id": "trf_123456789",
    "status": "pending"
    // Other transfer properties
  }
}

transfer.complete

Triggered when a transfer status changes to “complete”

{
  "id": "evt_123456789",
  "type": "transfer.complete",
  "data": {
    "id": "trf_123456789",
    "status": "complete"
    // Other transfer properties
  }
}

transfer.failed

Triggered when a transfer fails

{
  "id": "evt_123456789",
  "type": "transfer.failed",
  "data": {
    "id": "trf_123456789",
    "status": "failed",
    "failure_reason": "Insufficient balance"
    // Other transfer properties
  }
}

See the Webhooks API documentation for more information on setting up and handling webhooks.

Error Handling

Common Error Codes

Bad Request

Invalid request parametersThis typically occurs when required parameters are missing or have invalid values.

Unauthorized

Invalid API keyCheck that you’re using the correct API key and that it’s properly included in the Authorization header.

Forbidden

Missing or invalid grant keyTransfer endpoints require the X-Grant header with your private key for additional security.

Not Found

Transfer not foundThe transfer ID or reference you provided doesn’t exist or belongs to another account.

Unprocessable Entity

Transfer cannot be processedThis occurs when there’s a business logic error, such as insufficient balance or invalid beneficiary details.

Specific Transfer Errors

error

{
  "code": 422,
  "status": "Unprocessable Entity",
  "message": "Insufficient balance to complete this transfer"
}

Solution: Add funds to your Notch Pay account before attempting the transfer.

error

{
  "code": 422,
  "status": "Unprocessable Entity",
  "message": "Validation failed",
  "errors": {
    "beneficiary": ["Beneficiary not found"]
  }
}

Solution: Ensure the beneficiary exists and is correctly specified.

error

{
  "code": 422,
  "status": "Unprocessable Entity",
  "message": "Validation failed",
  "errors": {
    "channel": ["Invalid payment channel"]
  }
}

Solution: Use one of the supported payment channels for transfers.

Best Practices

Store Transfer References

Always store the transfer ID and reference in your database for future reference and reconciliation.

Verify Transfer Status

Always verify the transfer status using the API before confirming to the recipient that funds have been sent.

Use Webhooks

Set up webhooks for reliable transfer notifications, especially for asynchronous transfers like mobile money.

Idempotent References

Use unique, idempotent references for each transfer to prevent duplicate transfers and simplify reconciliation.

Error Handling

Implement proper error handling for failed transfers, including user-friendly error messages and recovery options.

Balance Management

Check your account balance before initiating large transfers or bulk transfers to ensure sufficient funds.

Implementation Examples

Single Transfer
Bulk Transfer

Create a Transfer

const axios = require('axios');

async function createTransfer() {
  try {
    const response = await axios.post('https://api.notchpay.co/transfers', {
      amount: 5000,
      currency: 'XAF',
      beneficiary: 'ben_123456789',
      channel: 'cm.mtn',
      description: 'Salary payment',
      reference: 'salary_jan_2023'
    }, {
      headers: {
        'Authorization': 'YOUR_PUBLIC_KEY',
        'X-Grant': 'YOUR_PRIVATE_KEY',
        'Content-Type': 'application/json'
      }
    });

    console.log('Transfer initiated:', response.data);
    return response.data.transfer.id;
  } catch (error) {
    console.error('Error creating transfer:', error.response?.data || error.message);
    throw error;
  }
}

<?php
function createTransfer() {
  $curl = curl_init();

  $data = [
    'amount' => 5000,
    'currency' => 'XAF',
    'beneficiary' => 'ben_123456789',
    'channel' => 'cm.mtn',
    'description' => 'Salary payment',
    'reference' => 'salary_jan_2023'
  ];

  curl_setopt_array($curl, [
    CURLOPT_URL => 'https://api.notchpay.co/transfers',
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST => true,
    CURLOPT_POSTFIELDS => json_encode($data),
    CURLOPT_HTTPHEADER => [
      'Authorization: YOUR_PUBLIC_KEY',
      'X-Grant: YOUR_PRIVATE_KEY',
      'Content-Type: application/json'
    ]
  ]);

  $response = curl_exec($curl);
  $err = curl_error($curl);
  curl_close($curl);

  if ($err) {
    throw new Exception("Error creating transfer: " . $err);
  }

  $result = json_decode($response, true);
  echo "Transfer initiated: " . $result['transfer']['id'] . "\n";
  return $result['transfer']['id'];
}

Check Transfer Status

async function checkTransferStatus(transferId) {
  try {
    const response = await axios.get(`https://api.notchpay.co/transfers/${transferId}`, {
      headers: {
        'Authorization': 'YOUR_PUBLIC_KEY',
        'X-Grant': 'YOUR_PRIVATE_KEY'
      }
    });

    console.log('Transfer status:', response.data.transfer.status);
    return response.data.transfer;
  } catch (error) {
    console.error('Error checking transfer:', error.response?.data || error.message);
    throw error;
  }
}

function checkTransferStatus($transferId) {
  $curl = curl_init();

  curl_setopt_array($curl, [
    CURLOPT_URL => "https://api.notchpay.co/transfers/{$transferId}",
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
      'Authorization: YOUR_PUBLIC_KEY',
      'X-Grant: YOUR_PRIVATE_KEY'
    ]
  ]);

  $response = curl_exec($curl);
  $err = curl_error($curl);
  curl_close($curl);

  if ($err) {
    throw new Exception("Error checking transfer: " . $err);
  }

  $result = json_decode($response, true);
  echo "Transfer status: " . $result['transfer']['status'] . "\n";
  return $result['transfer'];
}

Create a Bulk Transfer

async function createBulkTransfer() {
  try {
    const response = await axios.post('https://api.notchpay.co/transfers/bulk', {
      currency: 'XAF',
      description: 'January 2023 Payroll',
      transfers: [
        {
          amount: 5000,
          beneficiary: 'ben_123456789',
          channel: 'cm.mtn',
          reference: 'salary_john_jan_2023'
        },
        {
          amount: 7000,
          beneficiary_data: {
            name: 'Jane Doe',
            phone: '+237670000001',
            email: 'jane@example.com'
          },
          channel: 'cm.orange',
          reference: 'salary_jane_jan_2023'
        }
      ]
    }, {
      headers: {
        'Authorization': 'YOUR_PUBLIC_KEY',
        'X-Grant': 'YOUR_PRIVATE_KEY',
        'Content-Type': 'application/json'
      }
    });

    console.log('Bulk transfer initiated:', response.data);
    return response.data.bulk_transfer.id;
  } catch (error) {
    console.error('Error creating bulk transfer:', error.response?.data || error.message);
    throw error;
  }
}

Check Bulk Transfer Status

async function checkBulkTransferStatus(bulkTransferId) {
  try {
    const response = await axios.get(`https://api.notchpay.co/transfers/bulk/${bulkTransferId}`, {
      headers: {
        'Authorization': 'YOUR_PUBLIC_KEY',
        'X-Grant': 'YOUR_PRIVATE_KEY'
      }
    });

    console.log('Bulk transfer details:', response.data);

    // Check status of individual transfers
    response.data.bulk_transfer.transfers.forEach(transfer => {
      console.log(`Transfer ${transfer.id}: ${transfer.status}`);
    });

    return response.data.bulk_transfer;
  } catch (error) {
    console.error('Error checking bulk transfer:', error.response?.data || error.message);
    throw error;
  }
}

For more information about beneficiaries, see the Beneficiaries API documentation.

​Transfers API

​The Transfer Object

​Transfer Object Properties

​API Endpoints

List All Transfers

​Query Parameters

Create a Transfer

​Request Parameters

​Example Requests

Retrieve a Transfer

​Path Parameters

Cancel a Transfer

​Path Parameters

​Bulk Transfers

Create a Bulk Transfer

​Request Parameters

​Example Request

Retrieve a Bulk Transfer

​Path Parameters

​Transfer Statuses

pending

processing

complete

failed

canceled

​Webhooks for Transfers

transfer.created

transfer.complete

transfer.failed

​Error Handling

​Best Practices

Store Transfer References

Verify Transfer Status

Use Webhooks

Idempotent References

Error Handling

Balance Management

​Implementation Examples

Transfers API

The Transfer Object

Transfer Object Properties

API Endpoints

Query Parameters

Request Parameters

Example Requests

Path Parameters

Path Parameters

Bulk Transfers

Request Parameters

Example Request

Path Parameters

Transfer Statuses

Webhooks for Transfers

Error Handling

Best Practices

Implementation Examples