Use this endpoint when you want Kyshi to create a charge that is paid by bank transfer. The request body uses the same customer, currency, fee, and amount fields as transaction initialization.

-H "x-api-key: your_secret_key"

POST {{host}}/v1/transactions/charge

Request Body

Field	Data Type	Required	Description
email	string	Yes	Customer email address.
amount	number	Yes	Amount to collect in major currency units.
localCurrency	string	Yes	Collection currency. Supported values: `NGN`, `KES`, `ZAR`, `GHS`, `XOF`, `USD`.
amountCurrency	string	No	`settlement` or `local`. Defaults to `settlement`.
reference	string	No	Your unique transaction reference.
feeBearer	string	No	`MERCHANT` or `CUSTOMER`.
taxChargeable	string	No	`INCLUSIVE` or `EXCLUSIVE`.
chargeType	string	No	Use `BANK_TRANSFER` for bank transfer charges.
expiresAt	string	No	Expiry date/time for bank transfer charges when supported by the provider.

{
  "email": "[email protected]",
  "amount": 5000,
  "localCurrency": "NGN",
  "amountCurrency": "local",
  "reference": "BT-10001",
  "chargeType": "BANK_TRANSFER",
  "expiresAt": "2026-05-20T23:59:59Z"
}

{
  "status": true,
  "message": "Success",
  "code": 201,
  "data": {
    "reference": "BT-10001",
    "status": "PENDING",
    "amount": 5000,
    "currency": "NGN",
    "paymentType": "BANK_TRANSFER",
    "accountNumber": "1234567890",
    "accountName": "KYSHI / CUSTOMER",
    "bankName": "Wema Bank"
  }
}