Bank Account

Initiating Bank Transfer

To complete a bank transfer, adhere to these steps:

Gather the necessary information: Typically, you only need the recipient’s details. However, for specific transfers, the sender’s details may also be required.
Obtain the necessary bank uuid: Send a request to our bank’s endpoints to retrieve the correct bank uuid required for the transfer.
Submit the details to the “Bank Payout” endpoint. Refer to the example requests in the following section for guidance.

Prerequisites

Finalize your KYC process and confirm that your account is fully approved for transactions.
Activate this feature by submitting a request through email or our support form.

curl --request POST \
     --url https://api.paychangu.com/direct-charge/payouts/initialize \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "payout_method": "bank_transfer",
  "bank_uuid": "82310dd1-ec9b-4fe7-a32c-2f262ef08681",
  "amount": "10000",
  "charge_id": "PC-TR2344567534",
  "bank_account_name": "Madalitso Kamwendo",
  "bank_account_number": "1001000010"
}
'

🗒️
Sample in other languages check here.

You'll get a response like this:

{
    "status": "success",
    "message": "Payout request submitted successfully.",
    "data": {
        "transaction": {
            "charge_id": "PC-TR2344567534",
            "ref_id": "97073812876",
            "trans_id": null,
            "currency": "MK",
            "amount":10000,
            "first_name": null,
            "last_name": null,
            "email": null,
            "type": "API Payout",
            "trace_id": null,
            "status": "pending",
            "mobile": "0",
            "attempts": 1,
            "mode": "live",
            "created_at": "2025-01-23T17:03:28.000000Z",
            "completed_at": null,
            "event_type": "api.payout",
            "transaction_charges": {
                "currency": "MK",
                "amount": "0"
            },
            "recipient_account_details": {
                "bank_uuid": "82310dd1-ec9b-4fe7-a32c-2f262ef08681",
                "bank_name": "National Bank of Malawi",
                "account_name": "Madalitso Kamwendo",
                "account_number": "1001000010"
            }
        }
    }
}

Verify your transfer status, there are many ways to do this:

You can get the transfer status using the transfer status endpoint.
If webhooks are enabled on your dashboard, check the transfer webhooks to verify the transaction status.

Initiating Bank Transfer

Prerequisites

🗒️Sample in other languages check here.

🗒️
Sample in other languages check here.