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Endpoint

POST /clients/business/virtual-accounts/transfer

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Headers

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Authorization
string
required
Bearer YOUR_ACCESS_TOKEN
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SECRET_KEY
string
required
Your API secret key.
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businessId
string
required
Your business ID.

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Request body

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amount
integer
required
Amount to transfer, in kobo. For example, 110000 equals ₦1,100.
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payerAccountNumber
string
required
The virtual account number to debit (the source of funds).
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receiverAccountNumber
string
required
The destination bank account number to credit.
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receiverBankCode
string
required
The bank code of the receiving bank. Use the billers list from Get billers to look up codes.
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retrievalReference
string
required
A unique reference you generate for this transaction. Used for idempotency and reconciliation.
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narration
string
required
A description of the transfer, visible to both parties.

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Response

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status
boolean
true on success.
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message
string
Confirmation message, e.g. "Transfer successful".
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data.amount
string
Amount transferred, in kobo.
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data.transactionCharge
string
Fee charged for the transfer, in kobo.
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data.totalAmount
string
Total amount debited from the payer account (amount + charge), in kobo.

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Code examples

curl -X POST https://sandbox.stellasbank.com/api/v1/clients/business/virtual-accounts/transfer \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "SECRET_KEY: YOUR_SECRET_KEY" \
  -H "businessId: YOUR_BUSINESS_ID" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 110000,
    "payerAccountNumber": "9012345678",
    "receiverAccountNumber": "0123456789",
    "receiverBankCode": "044",
    "retrievalReference": "txn_ref_001",
    "narration": "Payment for services"
  }'

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Example response

{
  "status": true,
  "message": "Transfer successful",
  "data": {
    "amount": "110000",
    "transactionCharge": "10000",
    "totalAmount": "120000"
  }
}
All amounts are in kobo. Divide by 100 to convert to naira.