Initiate a VA transfer from your available NGN virtual account transfer balance.

You can initiate a transfer with an existing beneficiaryId, or provide a beneficiary object and Kyshi will find or create the beneficiary during initiation.

-H "x-api-key: your_secret_key"

POST {{host}}/v1/va/transfer

Request Body

Field	Data Type	Required	Description
beneficiaryId	string	Yes, if `beneficiary` is not supplied	Existing VA beneficiary ID.
beneficiary	object	Yes, if `beneficiaryId` is not supplied	Beneficiary details. Use the same fields as Create VA Beneficiary.
currency	string	Yes	Use `NGN`.
amount	number	Yes	Amount to transfer in NGN.
narration	string	Yes	Transfer narration.

{
  "beneficiaryId": "8495ec4e-ce21-405f-b0cf-982702881f4d",
  "currency": "NGN",
  "amount": 2000,
  "narration": "Supplier payout"
}

If the API call is successful, Kyshi returns the transfer code, transaction reference, and applicable fees.

{
  "status": true,
  "message": "Success",
  "code": 201,
  "data": {
    "transferCode": "TRF_HzmYr2nf1TIdilc",
    "reference": "KYSHI-1778623597453",
    "fees": {
      "vat": 0,
      "fee": 5,
      "processorFee": 10,
      "allInclusiveKyshiFee": 5,
      "others": {},
      "totalFees": 15,
      "vfdPercent": 0,
      "vfdCap": 0,
      "vfdFlat": 10,
      "vfdStampDuty": 0,
      "vfdStampDutyThreshold": 0,
      "stampDuty": 0
    }
  }
}

Notes

The total amount debited is the transfer amount plus totalFees.
Kyshi returns Insufficient Funds if your available balance cannot cover the transfer amount and fees.