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

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.

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