> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sendpadi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Local transfer

> Send NGN to a Nigerian bank account. No PIN — HMAC is the step-up. Call Verify account first and use the returned `accountName`. Scope: `transfers:write`. Requires `Idempotency-Key`.

> [!NOTE]
>
> Live API key required for this endpoint.

> [!NOTE]
>
> Set `toAccountName` to `accountName` from **Verify account**. Requires `Idempotency-Key`.


## OpenAPI

````yaml POST /api/v1/merchant/transfers
openapi: 3.1.0
info:
  title: SendPadi Merchant API
  version: 1.0.0
  description: >-
    Merchant REST API. Authenticate with HMAC headers (`X-Api-Key`,
    `X-Timestamp`, `X-Signature`). Generate playground headers with [Sign
    requests (playground)](/guides/sign-requests).
servers:
  - url: https://api.sendpadi.com
    description: Production (test + live keys)
security: []
paths:
  /api/v1/merchant/transfers:
    post:
      tags:
        - transfers
      summary: Local transfer
      description: >-
        Send NGN to a Nigerian bank account. No PIN — HMAC is the step-up. Call
        Verify account first and use the returned `accountName`. **Scope:**
        `transfers:write`. Requires `Idempotency-Key` on this write.
      operationId: api-reference_transfers_create-transfer
      parameters:
        - name: X-Timestamp
          in: header
          required: true
          description: Unix time in seconds
          schema:
            type: string
        - name: X-Signature
          in: header
          required: true
          description: HMAC-SHA256 signature
          schema:
            type: string
        - name: Idempotency-Key
          in: header
          required: true
          description: UUID. Required on money-moving writes.
          schema:
            type: string
            format: uuid
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                toAccountNumber:
                  type: string
                toAccountName:
                  type: string
                toBankCode:
                  type: string
                toBankName:
                  type: string
                amount:
                  type: integer
                description:
                  type: string
              required:
                - toAccountNumber
                - toAccountName
                - toBankCode
                - toBankName
                - amount
                - description
            example:
              toAccountNumber: '**********'
              toAccountName: John Doe
              toBankCode: '100004'
              toBankName: OPay
              amount: 100
              description: Vendor payment
      responses:
        '201':
          description: OK
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              example:
                success: true
                data:
                  transferId: tr_001
                  reference: SP-TR-001
                  status: completed
                  fees: 0
                  totalAmount: 100
                  message: Transaction successful.
              examples:
                success:
                  summary: Success
                  value:
                    success: true
                    data:
                      transferId: tr_001
                      reference: SP-TR-001
                      status: completed
                      fees: 0
                      totalAmount: 100
                      message: Transaction successful.
        '400':
          description: Missing toAccountName
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              examples:
                missing_toaccountname:
                  summary: Missing toAccountName
                  value:
                    statusCode: 400
                    code: FST_ERR_VALIDATION
                    error: Bad Request
                    message: body must have required property 'toAccountName'
              example:
                statusCode: 400
                code: FST_ERR_VALIDATION
                error: Bad Request
                message: body must have required property 'toAccountName'
        '402':
          description: Insufficient balance
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              examples:
                insufficient_balance:
                  summary: Insufficient balance
                  value:
                    success: false
                    message: Insufficient wallet balance
                    error: true
                    errorCode: INSUFFICIENT_BALANCE
              example:
                success: false
                message: Insufficient wallet balance
                error: true
                errorCode: INSUFFICIENT_BALANCE
        '403':
          description: Live key required
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              examples:
                live_key_required:
                  summary: Live key required
                  value:
                    success: false
                    message: Live API key required
                    error: true
                    errorCode: MERCHANT_ENVIRONMENT_LIVE_REQUIRED
              example:
                success: false
                message: Live API key required
                error: true
                errorCode: MERCHANT_ENVIRONMENT_LIVE_REQUIRED
      security:
        - ApiKeyAuth: []
components:
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-Api-Key
      description: API key id (sp_test_… / sp_live_…)

````

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