Initiate Transfer is an endpoint designed to return dynamic virtual account details for completing payment transactions. This operation collects important information to create a transfer request, including the amount, currency, and customer details.

Users or customers can use this request to generate virtual account details, facilitating the completion of payments through bank transfers. The dynamic nature of these virtual accounts means that they automatically expire after 30 minutes, ensuring enhanced security and reducing the risk of unauthorized usage.

Request

METHOD: POST

✅
Live URL: https://api.hydrogenpay.com/bepay/api/v1/Merchant/initiate-bank-transfer

Request Parameters

Mandatory	Type	Name	Description
Yes	Decimal	amount	Amount to debit the customer.
Yes	Email	email	Customer’s Email Address.
Yes	String	customerName	Customer's name.
No	String	currency	Default to NGN if not passed, other currencies available are USD and GBP.
No	String	description	Payment Description.
No	String	meta	Contains any other information you want to be recorded with the transaction.
No	String	transactionRef	Unique transaction reference for the transfer. It will be automatically generated if not specified.
No	String	callback	Redirect URL after the transfer has been completed on the gateway.

Success Response

Field	Type	Value
statusCode	Integer	90000
message	String	Initiate bank transfer successful
transactionRef	String	Transaction Client Reference
virtualAccountNo	String	Dynamic virtual account number
virtualAccountName	String	Name associated with the virtual account
expiryDateTime	String	Expiry date and time for the virtual account with default being 30 minutes.
transactionStatus	String	Current status of the transaction
amountPaid	Decimal	Amount paid
bankName	String	Bank name associated with the virtual account

Missing Callback Response

Field	Type	Value
statusCode	String	10001
message	String	Callback is Required
data	Object	null

Invalid Currency Response

Field	Type	Description
statusCode	String	10001
message	String	Invalid Currency
data	Object	null

Missing Field Response

Field	Type	Description
statusCode	String	400
success	Boolean	false
message	String	Validation Failed
error	Object	List of validation errors

Sample Request

{
  "amount": 50,
  "customerName": "Dev Test",
  "email": "devtest@randomuser.com",
  "currency": "NGN",
  "description": "test description",
  "meta": "test meta",
  "callback": "https://hydrogenpay.com"
}

Sample Response

{
    "statusCode": "90000",
    "message": "Initiate bank transfer successful",
    "data": {
        "transactionRef": "testref0001",
        "virtualAccountNo": "7193299054",
        "virtualAccountName": "HYDROGEN - Instante Tetring",
        "expiryDateTime": "06/07/2024 16:16:22",
        "transactionStatus": "Pending",
        "amountPaid": 1000,
        "bankName": "Access Bank"
    }
}