curl --request POST \
  --url https://api.sendpadi.com/api/v1/merchant/transfers \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-Api-Key: <api-key>' \
  --header 'X-Signature: <x-signature>' \
  --header 'X-Timestamp: <x-timestamp>' \
  --data '
{
  "toAccountNumber": "**********",
  "toAccountName": "John Doe",
  "toBankCode": "100004",
  "toBankName": "OPay",
  "amount": 100,
  "description": "Vendor payment"
}
'

const options = {
  method: 'POST',
  headers: {
    'X-Timestamp': '<x-timestamp>',
    'X-Signature': '<x-signature>',
    'Idempotency-Key': '<idempotency-key>',
    'X-Api-Key': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    toAccountNumber: '**********',
    toAccountName: 'John Doe',
    toBankCode: '100004',
    toBankName: 'OPay',
    amount: 100,
    description: 'Vendor payment'
  })
};

fetch('https://api.sendpadi.com/api/v1/merchant/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.sendpadi.com/api/v1/merchant/transfers"

payload = {
    "toAccountNumber": "**********",
    "toAccountName": "John Doe",
    "toBankCode": "100004",
    "toBankName": "OPay",
    "amount": 100,
    "description": "Vendor payment"
}
headers = {
    "X-Timestamp": "<x-timestamp>",
    "X-Signature": "<x-signature>",
    "Idempotency-Key": "<idempotency-key>",
    "X-Api-Key": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

{
  "success": true,
  "data": {
    "transferId": "tr_001",
    "reference": "SP-TR-001",
    "status": "completed",
    "fees": 0,
    "totalAmount": 100,
    "message": "Transaction successful."
  }
}

{
  "statusCode": 400,
  "code": "FST_ERR_VALIDATION",
  "error": "Bad Request",
  "message": "body must have required property 'toAccountName'"
}

{
  "success": false,
  "message": "Insufficient wallet balance",
  "error": true,
  "errorCode": "INSUFFICIENT_BALANCE"
}

{
  "success": false,
  "message": "Live API key required",
  "error": true,
  "errorCode": "MERCHANT_ENVIRONMENT_LIVE_REQUIRED"
}