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POST
/
v1
/
local-bank-transfer
Initiate local bank transfer
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    merchantTransactionId: 'bank_tx_48291',
    senderAccountNo: 'ACC-123456',
    senderAddress: '12 Riverside Drive, Nairobi',
    beneficiaryBankCode: '07000',
    beneficiaryBankName: 'Equity Bank',
    beneficiaryAccountId: '0012345678901',
    beneficiaryAccountCcy: 'KES',
    beneficiaryName: 'Jane Wambui',
    amount: 25000000,
    narration: 'Supplier payment',
    paymentChannel: 'PESALINK',
    beneficiaryBranchCode: '00123',
    paymentPurposeId: 'OTHR'
  })
};

fetch('https://api.fingopay.io/v1/local-bank-transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));
import requests

url = "https://api.fingopay.io/v1/local-bank-transfer"

payload = {
    "merchantTransactionId": "bank_tx_48291",
    "senderAccountNo": "ACC-123456",
    "senderAddress": "12 Riverside Drive, Nairobi",
    "beneficiaryBankCode": "07000",
    "beneficiaryBankName": "Equity Bank",
    "beneficiaryAccountId": "0012345678901",
    "beneficiaryAccountCcy": "KES",
    "beneficiaryName": "Jane Wambui",
    "amount": 25000000,
    "narration": "Supplier payment",
    "paymentChannel": "PESALINK",
    "beneficiaryBranchCode": "00123",
    "paymentPurposeId": "OTHR"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
curl --request POST \
  --url https://api.fingopay.io/v1/local-bank-transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "merchantTransactionId": "bank_tx_48291",
  "senderAccountNo": "ACC-123456",
  "senderAddress": "12 Riverside Drive, Nairobi",
  "beneficiaryBankCode": "07000",
  "beneficiaryBankName": "Equity Bank",
  "beneficiaryAccountId": "0012345678901",
  "beneficiaryAccountCcy": "KES",
  "beneficiaryName": "Jane Wambui",
  "amount": 25000000,
  "narration": "Supplier payment",
  "paymentChannel": "PESALINK",
  "beneficiaryBranchCode": "00123",
  "paymentPurposeId": "OTHR"
}
'
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.fingopay.io/v1/local-bank-transfer"

	payload := strings.NewReader("{\n  \"merchantTransactionId\": \"bank_tx_48291\",\n  \"senderAccountNo\": \"ACC-123456\",\n  \"senderAddress\": \"12 Riverside Drive, Nairobi\",\n  \"beneficiaryBankCode\": \"07000\",\n  \"beneficiaryBankName\": \"Equity Bank\",\n  \"beneficiaryAccountId\": \"0012345678901\",\n  \"beneficiaryAccountCcy\": \"KES\",\n  \"beneficiaryName\": \"Jane Wambui\",\n  \"amount\": 25000000,\n  \"narration\": \"Supplier payment\",\n  \"paymentChannel\": \"PESALINK\",\n  \"beneficiaryBranchCode\": \"00123\",\n  \"paymentPurposeId\": \"OTHR\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}
HttpResponse<String> response = Unirest.post("https://api.fingopay.io/v1/local-bank-transfer")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"merchantTransactionId\": \"bank_tx_48291\",\n  \"senderAccountNo\": \"ACC-123456\",\n  \"senderAddress\": \"12 Riverside Drive, Nairobi\",\n  \"beneficiaryBankCode\": \"07000\",\n  \"beneficiaryBankName\": \"Equity Bank\",\n  \"beneficiaryAccountId\": \"0012345678901\",\n  \"beneficiaryAccountCcy\": \"KES\",\n  \"beneficiaryName\": \"Jane Wambui\",\n  \"amount\": 25000000,\n  \"narration\": \"Supplier payment\",\n  \"paymentChannel\": \"PESALINK\",\n  \"beneficiaryBranchCode\": \"00123\",\n  \"paymentPurposeId\": \"OTHR\"\n}")
  .asString();
<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.fingopay.io/v1/local-bank-transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'merchantTransactionId' => 'bank_tx_48291',
    'senderAccountNo' => 'ACC-123456',
    'senderAddress' => '12 Riverside Drive, Nairobi',
    'beneficiaryBankCode' => '07000',
    'beneficiaryBankName' => 'Equity Bank',
    'beneficiaryAccountId' => '0012345678901',
    'beneficiaryAccountCcy' => 'KES',
    'beneficiaryName' => 'Jane Wambui',
    'amount' => 25000000,
    'narration' => 'Supplier payment',
    'paymentChannel' => 'PESALINK',
    'beneficiaryBranchCode' => '00123',
    'paymentPurposeId' => 'OTHR'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

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

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}
using RestSharp;


var options = new RestClientOptions("https://api.fingopay.io/v1/local-bank-transfer");
var client = new RestClient(options);
var request = new RestRequest("");
request.AddHeader("Authorization", "Bearer <token>");
request.AddJsonBody("{\n  \"merchantTransactionId\": \"bank_tx_48291\",\n  \"senderAccountNo\": \"ACC-123456\",\n  \"senderAddress\": \"12 Riverside Drive, Nairobi\",\n  \"beneficiaryBankCode\": \"07000\",\n  \"beneficiaryBankName\": \"Equity Bank\",\n  \"beneficiaryAccountId\": \"0012345678901\",\n  \"beneficiaryAccountCcy\": \"KES\",\n  \"beneficiaryName\": \"Jane Wambui\",\n  \"amount\": 25000000,\n  \"narration\": \"Supplier payment\",\n  \"paymentChannel\": \"PESALINK\",\n  \"beneficiaryBranchCode\": \"00123\",\n  \"paymentPurposeId\": \"OTHR\"\n}", false);
var response = await client.PostAsync(request);

Console.WriteLine("{0}", response.Content);
{
  "status": "success",
  "message": "Bank transfer initiated successfully",
  "data": {
    "merchantTransactionId": "bank_tx_48291",
    "transactionId": "txn_01j7bankdom"
  }
}
{
  "error": {
    "message": "<string>",
    "param": "<string>",
    "requestId": "<string>"
  }
}
{
  "error": {
    "message": "<string>",
    "param": "<string>",
    "requestId": "<string>"
  }
}
{
  "error": {
    "message": "<string>",
    "param": "<string>",
    "requestId": "<string>"
  }
}
{
  "error": {
    "message": "<string>",
    "param": "<string>",
    "requestId": "<string>"
  }
}
{
  "error": {
    "message": "<string>",
    "param": "<string>",
    "requestId": "<string>"
  }
}
{
  "error": {
    "message": "<string>",
    "param": "<string>",
    "requestId": "<string>"
  }
}

Authorizations

​
Authorization
string
header
required

Use your API key as a Bearer token. Example: Authorization: Bearer sk_live_...

Headers

​
Idempotency-Key
string<uuid>

Unique key to safely retry POST without duplicates. Required in live environment.

Body

application/json

Request body for local bank transfers (PesaLink).

​
merchantTransactionId
string
required

Merchant-side reference used for reconciliation. Accepts 1-64 characters (letters, numbers, dot, underscore, or hyphen).

Required string length: 1 - 64
Pattern: ^[A-Za-z0-9._-]{1,64}$
Example:

"bank_tx_48291"

​
senderAccountNo
string
required

Sender payout account number funding the transfer. The account number is resolved to an account and validated against its account class.

Example:

"ACC-123456"

​
senderAddress
string
required

Registered sender address.

Example:

"12 Riverside Drive, Nairobi"

​
beneficiaryBankCode
string
required

Destination bank code.

Example:

"07000"

​
beneficiaryBankName
string
required

Destination bank name.

Example:

"Equity Bank"

​
beneficiaryAccountId
string
required

Destination account number.

Example:

"0012345678901"

​
beneficiaryAccountCcy
string
required

Destination account currency (ISO 4217).

Example:

"KES"

​
beneficiaryName
string
required

Destination account holder name.

Example:

"Jane Wambui"

​
amount
integer
required

Amount in smallest currency unit (cents). Range 1-100,000,000 (KES 0.01-1,000,000.00).

Required range: 1 <= x <= 100000000
Example:

25000000

​
narration
string
required

Transfer narration. Maximum 140 characters.

Maximum string length: 140
Example:

"Supplier payment"

​
paymentChannel
enum<string>
required

Payment rail used for the transfer. Only PESALINK is supported.

Available options:
PESALINK
Example:

"PESALINK"

​
beneficiaryBranchCode
string

Optional branch code. Provide an empty string if not applicable.

Example:

"00123"

​
paymentPurposeId
string

Optional payment purpose identifier.

Example:

"OTHR"

Response

Accepted — transfer will be processed asynchronously.

​
status
string
required
Example:

"success"

​
message
string
required
Example:

"Bank transfer initiated successfully"

​
data
object
required