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": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}Initiate local bank transfer
Initiate a local bank transfer via PesaLink. This endpoint currently supports paymentChannel=PESALINK only. The sender account is resolved from senderAccountNo and must map to an active payouts account class.
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": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}{
"error": {
"type": "invalid_request_error",
"code": "missing_parameter",
"message": "<string>",
"param": "<string>",
"requestId": "<string>"
}
}Authorizations
Use your API key as a Bearer token. Example: Authorization: Bearer sk_live_...
Headers
Unique key to safely retry POST without duplicates. Required in live environment.
Body
application/json
Request body for local bank transfers (PesaLink).
Merchant-side reference used for reconciliation. Accepts 1-64 characters (letters, numbers, dot, underscore, or hyphen).
Required string length:
1 - 64Pattern:
^[A-Za-z0-9._-]{1,64}$Example:
"bank_tx_48291"
Sender payout account number funding the transfer. The account number is resolved to an account and validated against its account class.
Example:
"ACC-123456"
Registered sender address.
Example:
"12 Riverside Drive, Nairobi"
Destination bank code.
Example:
"07000"
Destination bank name.
Example:
"Equity Bank"
Destination account number.
Example:
"0012345678901"
Destination account currency (ISO 4217).
Example:
"KES"
Destination account holder name.
Example:
"Jane Wambui"
Amount in smallest currency unit (cents). Range 1-100,000,000 (KES 0.01-1,000,000.00).
Required range:
1 <= x <= 100000000Example:
25000000
Transfer narration. Maximum 140 characters.
Maximum string length:
140Example:
"Supplier payment"
Payment rail used for the transfer. Only PESALINK is supported.
Available options:
PESALINK Example:
"PESALINK"
Optional branch code. Provide an empty string if not applicable.
Example:
"00123"
Optional payment purpose identifier.
Example:
"OTHR"
Response
Accepted — transfer will be processed asynchronously.
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