Bank Transfers

100Pay’s Bank Transfer API lets you send funds directly to bank accounts programmatically. You can look up supported banks, verify a recipient’s account details before sending, and execute transfers — all through the SDK.

Bank transfers require your Secret API Key and must be performed server-side only.

What You Can Do

List Banks

Retrieve a full list of supported banks and their codes for your transfer operations.

Verify Account

Confirm a recipient's bank account name and details before initiating a transfer.

Execute Transfer

Send funds to any verified bank account with a narration and payment reference.

Quick Example

Here’s a complete bank transfer workflow — list banks, verify the recipient, then transfer:


import { Pay100 } from "@100pay-hq/100pay.js";
 
const client = new Pay100({
  publicKey: "your_public_key",
  secretKey: "your_secret_key",
});
 
// 1. Get available banks
const banks = await client.bankTransfer.getBankList();
const targetBank = banks.data.banks.find((b) => b.name?.includes("Access"));
 
// 2. Verify recipient account
const verified = await client.bankTransfer.verifyBank({
  bankCode: targetBank.bankCode,
  accountNumber: "1234567890",
});
 
if (!verified.data.verified) throw new Error("Account verification failed");
 
// 3. Execute the transfer
const transfer = await client.bankTransfer.transfer({
  beneficiaryBankCode: targetBank.bankCode,
  beneficiaryAccountNumber: "1234567890",
  beneficiaryAccountName: verified.data.accountName,
  amount: 50000, // ₦50,000 NGN
  narration: "Payment for services rendered",
  paymentReference: `PAY_${Date.now()}`,
  saveBeneficiary: true,
});
 
console.log("Transfer initiated:", transfer.data.transfer.sessionId);