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Intra Bank Transfer

This processes a transfer between two customer accounts from one institution to the other.

To process a transfer between two customer accounts from different institutions you make a post request by passing Amount, AppzoneAccount, Token ,PayerAccountNumber and some other required payload in the request body. Below is an example of how to make a successful post request to inter bank transfer endpoint.

// Live URL 
http://api.mybankone.com/thirdpartyapiservice/apiservice/
Transfer/InterbankTransfer

POST https://staging.mybankone.com/thirdpartyapiservice/apiservice/Transfer/ InterbankTransfer

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Request Body

Name
Type
Description

Amount*

String

Amount to be transferred in Kobo

AppzoneAccount

String

Appzone’s account number for Appzone share of fees

Token*

String

Authentication Key for the request

PayerAccountNumber*

String

Account number of sender or paye

Payer*

String

Payer’s account name

RecieversBankCode*

String

Commercial bank sort code that can be gotten from Bills Payment GetCommercialBank method response

ReceiverAccountNumber*

String

Account number of the receiver/beneficiary

ReceiverName*

String

Beneficiary’s name

ReceiverPhoneNumber*

String

Beneficiary’s phone number

ReceiverAccountType*

String

Beneficiary’s account type

ReceiverKYC *

String

Beneficiary’s Know Your Customer value

ReceiverBVN*

String

Beneficiary’s Bank Verification Number

TransactionReference*

String

Unique reference for transaction (maximum of 12 characters)

Narration

String

Transaction Narration (maximum of 100 characters)

NIPSessionID

String

Unique value gotten from Name Enquiry used to process transaction

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Important things to note about Inter bank transaction processing response

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Transaction Processing Response

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A transaction status can any of the following: Pending, Failed, Successful, Reversed, SuccessfulButFeeNotTaken

  • If status Successful and Response Code 00 indicates that the transfer succeeded

  • If status is Pending. A TSQ is required to determine the status of the transaction

  • If response code 91,06. A TSQ is required to determine the status of the transaction

  • Failed: If Status is Failed and response code is not one of the pending codes, then the transaction failed, and a new request can be initiated.

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TSQ Processing for Interbank Transfer

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TSQ is required if a transfer response returns pending

  • If IsSuccessful response parameter is true, go ahead to check Status parameter to determine the actual status of the initiated transaction.

  • If IsSuccessful response parameter is false, a TSQ request should be reinitiated to determine the actual status of the initiated transaction.

  • If status is successful then, the initial transaction succeeded.

  • If status is Failed then, the initial transaction failed.

  • If Status is Pending then, a TSQ should be reinitiated to determine actual status of the initial transaction.

Please contact support to investigate and provide further details if status remains as Pending after 5 trials with the TSQ interval time.

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