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POST
https://api.recital.finance
/
api
/
v1
/
transfer
curl --location 'https://api.recital.finance/api/v1/transfer' \
--header 'Authorization: Bearer apiKey' \
--header 'Content-Type: application/json' \
--data-raw '{
  "providerID":"002",
  "amount": 100,
  "currency": "NGN",
  "connectID":"ZIrfGJRaKjaGY62",
  "accountTo":"0000000000",
  "accountToBankCode":"057",
  "accountToName":"Tolu Robert",
  "narration":"test"
}'

{
  "message": "PIN successfully sent to email",
  "success": true,
  "transferReference": "BAL-YA9S0J0UQKDVF4EXV2CK4RO5F2",
  "shouldFinalize": true
}
​
providerID
string
Identifier of the transfer provider (e.g., Flutterwave, Paystack, etc.).
​
amount
number
The amount to transfer (in the smallest currency unit if required).
​
currency
string
The transaction currency (e.g., NGN).
​
connectID
string
The ID used to identify the connected merchant or user.
​
accountTo
string
The recipient’s bank account number.
​
accountToBankCode
string
The bank code of the recipient’s bank (e.g., 057 for Zenith Bank).
​
accountToName
string
The full name of the account holder.
​
narration
string
A note or description for the transfer (e.g., “Salary Payment”).
curl --location 'https://api.recital.finance/api/v1/transfer' \
--header 'Authorization: Bearer apiKey' \
--header 'Content-Type: application/json' \
--data-raw '{
  "providerID":"002",
  "amount": 100,
  "currency": "NGN",
  "connectID":"ZIrfGJRaKjaGY62",
  "accountTo":"0000000000",
  "accountToBankCode":"057",
  "accountToName":"Tolu Robert",
  "narration":"test"
}'

​
Response

​
message
string
Message indicating result of the request.
​
success
boolean
Indicates whether the transfer was successfully initiated.
​
transferReference
string
A unique reference for the initiated transfer.
​
shouldFinalize
boolean
If true, a second step is required to finalize the transfer using a PIN.
{
  "message": "PIN successfully sent to email",
  "success": true,
  "transferReference": "BAL-YA9S0J0UQKDVF4EXV2CK4RO5F2",
  "shouldFinalize": true
}

​
Notes

  • You must store the transferReference for use in the /finalize_transfer step.
  • The shouldFinalize flag indicates whether an OTP or PIN confirmation is required.

​
Best Practices

✅ Always validate recipient bank details before initiating the transfer.
✅ Store and track transferReference values.
✅ Listen for webhooks or poll status if supported.
✅ Always handle shouldFinalize = true logic by prompting for PIN and finalizing transfer.