Virtual account transfer lets you send NGN payouts from your available virtual-account transfer balance to a Nigerian bank account. It follows the same beneficiary and transfer pattern as standard transfers, but uses Kyshi's virtual-account payout rail.

Recommended Flow

1. List supported banks with GET /v1/va/transfer/banks.
2. Resolve the recipient account name with GET /v1/va/transfer/name-enquiry.
3. Create or reuse a beneficiary with POST /v1/va/transfer/beneficiaries.
4. Initiate a single transfer with POST /v1/va/transfer, or initiate a bulk transfer with POST /v1/va/transfer/bulk.
5. Track single transfers with GET /v1/va/transfer or GET /v1/va/transfer/{id}.
6. Track bulk transfers with GET /v1/va/transfer/bulk/{id}.

When To Use This

Use VA Transfer when your payout should be funded from the NGN virtual-account rail. Use standard Transfers when you are paying out through the regular payout rail or another enabled currency.

Important Notes

• VA transfer currently runs on the NGN virtual account payout rail.
• Send currency as NGN; the backend also forces this rail to NGN internally.
• Amounts are sent in major currency units.
• Kyshi validates that your business has enough available balance before initiating the transfer.
• A saved beneficiary is recommended for repeated payouts.
• List banks before name enquiry so you send the correct bank code.
• Store beneficiary IDs and transfer IDs for reconciliation.
• Use bulk VA transfer when you need to send an amount above the provider payout limit. Kyshi charges the transfer fee once on the batch, then splits the provider payouts behind the scenes.

For exact request and response schemas, see Reference > VA Transfer.