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 the transfer with POST /v1/va/transfer.
5. Track transfers with GET /v1/va/transfer or GET /v1/va/transfer/{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.

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