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

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

200: OK

{
    "Status": "Successful",
 "StatusDescription": null,
 "ReferenceID": 0,
 "UniqueIdentifier": 
"020067152410012328260000000000000000000000",
 "IsSuccessFul": true,
 "ResponseMessage": null,
 "ResponseCode": "00",
 "Reference": "VSGWTWY2097",
 "SessionID": null,
 "RequestStatus": true,
 "ResponseDescription": null,
 "ResponseStatus": "Successful"
}

Important things to note about Inter bank transaction processing response

Transaction Processing Response

Possible Status

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.

TSQ Processing for Interbank Transfer

Transaction Query Processing (TSQ)

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.