Create transfer

Create transfer

curl --request POST \
  --url https://api.daya.co/v1/transfers \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "currency": "<string>",
  "amount": "<string>",
  "reference": "<string>",
  "recipient_id": "<string>",
  "destination": {
    "destination.type": "<string>",
    "destination.bank_account": {
      "destination.bank_account.account_number": "<string>",
      "destination.bank_account.bank_code": "<string>",
      "destination.bank_account.account_name": "<string>"
    },
    "destination.us_bank_account": {
      "destination.us_bank_account.account_owner_name": "<string>",
      "destination.us_bank_account.account_number": "<string>",
      "destination.us_bank_account.routing_number": "<string>",
      "destination.us_bank_account.bank_name": "<string>",
      "destination.us_bank_account.account_type": "<string>",
      "destination.us_bank_account.payout_scheme": "<string>",
      "destination.us_bank_account.address": {}
    },
    "destination.swift_bank_account": {
      "destination.swift_bank_account.account_owner_name": "<string>",
      "destination.swift_bank_account.account_owner_type": "<string>",
      "destination.swift_bank_account.account_country": "<string>",
      "destination.swift_bank_account.iban": "<string>",
      "destination.swift_bank_account.bic": "<string>",
      "destination.swift_bank_account.bank_name": "<string>",
      "destination.swift_bank_account.first_name": "<string>",
      "destination.swift_bank_account.last_name": "<string>",
      "destination.swift_bank_account.business_name": "<string>",
      "destination.swift_bank_account.category": "<string>",
      "destination.swift_bank_account.purpose_of_funds": [
        {}
      ],
      "destination.swift_bank_account.short_business_description": "<string>",
      "destination.swift_bank_account.address": {},
      "destination.swift_bank_account.bank_address": {}
    }
  },
  "on_behalf_of": {
    "on_behalf_of.customer_id": "<string>"
  }
}
'

import requests

url = "https://api.daya.co/v1/transfers"

payload = {
    "currency": "<string>",
    "amount": "<string>",
    "reference": "<string>",
    "recipient_id": "<string>",
    "destination": {
        "destination.type": "<string>",
        "destination.bank_account": {
            "destination.bank_account.account_number": "<string>",
            "destination.bank_account.bank_code": "<string>",
            "destination.bank_account.account_name": "<string>"
        },
        "destination.us_bank_account": {
            "destination.us_bank_account.account_owner_name": "<string>",
            "destination.us_bank_account.account_number": "<string>",
            "destination.us_bank_account.routing_number": "<string>",
            "destination.us_bank_account.bank_name": "<string>",
            "destination.us_bank_account.account_type": "<string>",
            "destination.us_bank_account.payout_scheme": "<string>",
            "destination.us_bank_account.address": {}
        },
        "destination.swift_bank_account": {
            "destination.swift_bank_account.account_owner_name": "<string>",
            "destination.swift_bank_account.account_owner_type": "<string>",
            "destination.swift_bank_account.account_country": "<string>",
            "destination.swift_bank_account.iban": "<string>",
            "destination.swift_bank_account.bic": "<string>",
            "destination.swift_bank_account.bank_name": "<string>",
            "destination.swift_bank_account.first_name": "<string>",
            "destination.swift_bank_account.last_name": "<string>",
            "destination.swift_bank_account.business_name": "<string>",
            "destination.swift_bank_account.category": "<string>",
            "destination.swift_bank_account.purpose_of_funds": [{}],
            "destination.swift_bank_account.short_business_description": "<string>",
            "destination.swift_bank_account.address": {},
            "destination.swift_bank_account.bank_address": {}
        }
    },
    "on_behalf_of": { "on_behalf_of.customer_id": "<string>" }
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Idempotency-Key": "<idempotency-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Api-Key': '<x-api-key>',
    'Idempotency-Key': '<idempotency-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    currency: '<string>',
    amount: '<string>',
    reference: '<string>',
    recipient_id: '<string>',
    destination: {
      'destination.type': '<string>',
      'destination.bank_account': {
        'destination.bank_account.account_number': '<string>',
        'destination.bank_account.bank_code': '<string>',
        'destination.bank_account.account_name': '<string>'
      },
      'destination.us_bank_account': {
        'destination.us_bank_account.account_owner_name': '<string>',
        'destination.us_bank_account.account_number': '<string>',
        'destination.us_bank_account.routing_number': '<string>',
        'destination.us_bank_account.bank_name': '<string>',
        'destination.us_bank_account.account_type': '<string>',
        'destination.us_bank_account.payout_scheme': '<string>',
        'destination.us_bank_account.address': {}
      },
      'destination.swift_bank_account': {
        'destination.swift_bank_account.account_owner_name': '<string>',
        'destination.swift_bank_account.account_owner_type': '<string>',
        'destination.swift_bank_account.account_country': '<string>',
        'destination.swift_bank_account.iban': '<string>',
        'destination.swift_bank_account.bic': '<string>',
        'destination.swift_bank_account.bank_name': '<string>',
        'destination.swift_bank_account.first_name': '<string>',
        'destination.swift_bank_account.last_name': '<string>',
        'destination.swift_bank_account.business_name': '<string>',
        'destination.swift_bank_account.category': '<string>',
        'destination.swift_bank_account.purpose_of_funds': [{}],
        'destination.swift_bank_account.short_business_description': '<string>',
        'destination.swift_bank_account.address': {},
        'destination.swift_bank_account.bank_address': {}
      }
    },
    on_behalf_of: {'on_behalf_of.customer_id': '<string>'}
  })
};

fetch('https://api.daya.co/v1/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/transfers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'currency' => '<string>',
    'amount' => '<string>',
    'reference' => '<string>',
    'recipient_id' => '<string>',
    'destination' => [
        'destination.type' => '<string>',
        'destination.bank_account' => [
                'destination.bank_account.account_number' => '<string>',
                'destination.bank_account.bank_code' => '<string>',
                'destination.bank_account.account_name' => '<string>'
        ],
        'destination.us_bank_account' => [
                'destination.us_bank_account.account_owner_name' => '<string>',
                'destination.us_bank_account.account_number' => '<string>',
                'destination.us_bank_account.routing_number' => '<string>',
                'destination.us_bank_account.bank_name' => '<string>',
                'destination.us_bank_account.account_type' => '<string>',
                'destination.us_bank_account.payout_scheme' => '<string>',
                'destination.us_bank_account.address' => [
                                
                ]
        ],
        'destination.swift_bank_account' => [
                'destination.swift_bank_account.account_owner_name' => '<string>',
                'destination.swift_bank_account.account_owner_type' => '<string>',
                'destination.swift_bank_account.account_country' => '<string>',
                'destination.swift_bank_account.iban' => '<string>',
                'destination.swift_bank_account.bic' => '<string>',
                'destination.swift_bank_account.bank_name' => '<string>',
                'destination.swift_bank_account.first_name' => '<string>',
                'destination.swift_bank_account.last_name' => '<string>',
                'destination.swift_bank_account.business_name' => '<string>',
                'destination.swift_bank_account.category' => '<string>',
                'destination.swift_bank_account.purpose_of_funds' => [
                                [
                                                                
                                ]
                ],
                'destination.swift_bank_account.short_business_description' => '<string>',
                'destination.swift_bank_account.address' => [
                                
                ],
                'destination.swift_bank_account.bank_address' => [
                                
                ]
        ]
    ],
    'on_behalf_of' => [
        'on_behalf_of.customer_id' => '<string>'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/transfers"

	payload := strings.NewReader("{\n  \"currency\": \"<string>\",\n  \"amount\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"recipient_id\": \"<string>\",\n  \"destination\": {\n    \"destination.type\": \"<string>\",\n    \"destination.bank_account\": {\n      \"destination.bank_account.account_number\": \"<string>\",\n      \"destination.bank_account.bank_code\": \"<string>\",\n      \"destination.bank_account.account_name\": \"<string>\"\n    },\n    \"destination.us_bank_account\": {\n      \"destination.us_bank_account.account_owner_name\": \"<string>\",\n      \"destination.us_bank_account.account_number\": \"<string>\",\n      \"destination.us_bank_account.routing_number\": \"<string>\",\n      \"destination.us_bank_account.bank_name\": \"<string>\",\n      \"destination.us_bank_account.account_type\": \"<string>\",\n      \"destination.us_bank_account.payout_scheme\": \"<string>\",\n      \"destination.us_bank_account.address\": {}\n    },\n    \"destination.swift_bank_account\": {\n      \"destination.swift_bank_account.account_owner_name\": \"<string>\",\n      \"destination.swift_bank_account.account_owner_type\": \"<string>\",\n      \"destination.swift_bank_account.account_country\": \"<string>\",\n      \"destination.swift_bank_account.iban\": \"<string>\",\n      \"destination.swift_bank_account.bic\": \"<string>\",\n      \"destination.swift_bank_account.bank_name\": \"<string>\",\n      \"destination.swift_bank_account.first_name\": \"<string>\",\n      \"destination.swift_bank_account.last_name\": \"<string>\",\n      \"destination.swift_bank_account.business_name\": \"<string>\",\n      \"destination.swift_bank_account.category\": \"<string>\",\n      \"destination.swift_bank_account.purpose_of_funds\": [\n        {}\n      ],\n      \"destination.swift_bank_account.short_business_description\": \"<string>\",\n      \"destination.swift_bank_account.address\": {},\n      \"destination.swift_bank_account.bank_address\": {}\n    }\n  },\n  \"on_behalf_of\": {\n    \"on_behalf_of.customer_id\": \"<string>\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/transfers")
  .header("X-Api-Key", "<x-api-key>")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"currency\": \"<string>\",\n  \"amount\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"recipient_id\": \"<string>\",\n  \"destination\": {\n    \"destination.type\": \"<string>\",\n    \"destination.bank_account\": {\n      \"destination.bank_account.account_number\": \"<string>\",\n      \"destination.bank_account.bank_code\": \"<string>\",\n      \"destination.bank_account.account_name\": \"<string>\"\n    },\n    \"destination.us_bank_account\": {\n      \"destination.us_bank_account.account_owner_name\": \"<string>\",\n      \"destination.us_bank_account.account_number\": \"<string>\",\n      \"destination.us_bank_account.routing_number\": \"<string>\",\n      \"destination.us_bank_account.bank_name\": \"<string>\",\n      \"destination.us_bank_account.account_type\": \"<string>\",\n      \"destination.us_bank_account.payout_scheme\": \"<string>\",\n      \"destination.us_bank_account.address\": {}\n    },\n    \"destination.swift_bank_account\": {\n      \"destination.swift_bank_account.account_owner_name\": \"<string>\",\n      \"destination.swift_bank_account.account_owner_type\": \"<string>\",\n      \"destination.swift_bank_account.account_country\": \"<string>\",\n      \"destination.swift_bank_account.iban\": \"<string>\",\n      \"destination.swift_bank_account.bic\": \"<string>\",\n      \"destination.swift_bank_account.bank_name\": \"<string>\",\n      \"destination.swift_bank_account.first_name\": \"<string>\",\n      \"destination.swift_bank_account.last_name\": \"<string>\",\n      \"destination.swift_bank_account.business_name\": \"<string>\",\n      \"destination.swift_bank_account.category\": \"<string>\",\n      \"destination.swift_bank_account.purpose_of_funds\": [\n        {}\n      ],\n      \"destination.swift_bank_account.short_business_description\": \"<string>\",\n      \"destination.swift_bank_account.address\": {},\n      \"destination.swift_bank_account.bank_address\": {}\n    }\n  },\n  \"on_behalf_of\": {\n    \"on_behalf_of.customer_id\": \"<string>\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Idempotency-Key"] = '<idempotency-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"currency\": \"<string>\",\n  \"amount\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"recipient_id\": \"<string>\",\n  \"destination\": {\n    \"destination.type\": \"<string>\",\n    \"destination.bank_account\": {\n      \"destination.bank_account.account_number\": \"<string>\",\n      \"destination.bank_account.bank_code\": \"<string>\",\n      \"destination.bank_account.account_name\": \"<string>\"\n    },\n    \"destination.us_bank_account\": {\n      \"destination.us_bank_account.account_owner_name\": \"<string>\",\n      \"destination.us_bank_account.account_number\": \"<string>\",\n      \"destination.us_bank_account.routing_number\": \"<string>\",\n      \"destination.us_bank_account.bank_name\": \"<string>\",\n      \"destination.us_bank_account.account_type\": \"<string>\",\n      \"destination.us_bank_account.payout_scheme\": \"<string>\",\n      \"destination.us_bank_account.address\": {}\n    },\n    \"destination.swift_bank_account\": {\n      \"destination.swift_bank_account.account_owner_name\": \"<string>\",\n      \"destination.swift_bank_account.account_owner_type\": \"<string>\",\n      \"destination.swift_bank_account.account_country\": \"<string>\",\n      \"destination.swift_bank_account.iban\": \"<string>\",\n      \"destination.swift_bank_account.bic\": \"<string>\",\n      \"destination.swift_bank_account.bank_name\": \"<string>\",\n      \"destination.swift_bank_account.first_name\": \"<string>\",\n      \"destination.swift_bank_account.last_name\": \"<string>\",\n      \"destination.swift_bank_account.business_name\": \"<string>\",\n      \"destination.swift_bank_account.category\": \"<string>\",\n      \"destination.swift_bank_account.purpose_of_funds\": [\n        {}\n      ],\n      \"destination.swift_bank_account.short_business_description\": \"<string>\",\n      \"destination.swift_bank_account.address\": {},\n      \"destination.swift_bank_account.bank_address\": {}\n    }\n  },\n  \"on_behalf_of\": {\n    \"on_behalf_of.customer_id\": \"<string>\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "850e8400-e29b-41d4-a716-446655440000",
  "reference": "txn_ngn_001",
  "status": "PROCESSING",
  "rail": "NGN_BANK",
  "currency": "NGN",
  "amount": "50000.00",
  "debit_currency": "USD",
  "debit_amount": "33.07",
  "fee": "0.81",
  "rate": {
    "side": "SELL",
    "value": "1550.00",
    "captured_at": "2026-01-05T15:04:05Z"
  },
  "recipient": {
    "id": "750e8400-e29b-41d4-a716-446655440000",
    "type": "BANK_ACCOUNT",
    "bank_account": {
      "account_name": "John Doe",
      "account_number_last4": "7890",
      "bank_code": "044",
      "bank_name": "Access Bank"
    }
  },
  "on_behalf_of": null,
  "created_at": "2026-01-05T15:04:05Z",
  "settled_at": null
}

{
  "id": "950e8400-e29b-41d4-a716-446655440000",
  "reference": "txn_usd_001",
  "status": "PROCESSING",
  "rail": "USD_BANK",
  "currency": "USD",
  "amount": "100.00",
  "debit_currency": "USD",
  "debit_amount": "100.00",
  "fee": "0.00",
  "rate": null,
  "recipient": {
    "id": "860e8400-e29b-41d4-a716-446655440000",
    "type": "US_BANK_ACCOUNT",
    "us_bank_account": {
      "account_owner_name": "Jane Smith",
      "account_number_last4": "6789",
      "bank_name": "Chase",
      "account_type": "checking",
      "payout_scheme": "ach"
    }
  },
  "on_behalf_of": {
    "customer_id": "650e8400-e29b-41d4-a716-446655440000"
  },
  "created_at": "2026-01-05T15:04:05Z",
  "settled_at": null
}

POST

transfers

Create transfer

curl --request POST \
  --url https://api.daya.co/v1/transfers \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "currency": "<string>",
  "amount": "<string>",
  "reference": "<string>",
  "recipient_id": "<string>",
  "destination": {
    "destination.type": "<string>",
    "destination.bank_account": {
      "destination.bank_account.account_number": "<string>",
      "destination.bank_account.bank_code": "<string>",
      "destination.bank_account.account_name": "<string>"
    },
    "destination.us_bank_account": {
      "destination.us_bank_account.account_owner_name": "<string>",
      "destination.us_bank_account.account_number": "<string>",
      "destination.us_bank_account.routing_number": "<string>",
      "destination.us_bank_account.bank_name": "<string>",
      "destination.us_bank_account.account_type": "<string>",
      "destination.us_bank_account.payout_scheme": "<string>",
      "destination.us_bank_account.address": {}
    },
    "destination.swift_bank_account": {
      "destination.swift_bank_account.account_owner_name": "<string>",
      "destination.swift_bank_account.account_owner_type": "<string>",
      "destination.swift_bank_account.account_country": "<string>",
      "destination.swift_bank_account.iban": "<string>",
      "destination.swift_bank_account.bic": "<string>",
      "destination.swift_bank_account.bank_name": "<string>",
      "destination.swift_bank_account.first_name": "<string>",
      "destination.swift_bank_account.last_name": "<string>",
      "destination.swift_bank_account.business_name": "<string>",
      "destination.swift_bank_account.category": "<string>",
      "destination.swift_bank_account.purpose_of_funds": [
        {}
      ],
      "destination.swift_bank_account.short_business_description": "<string>",
      "destination.swift_bank_account.address": {},
      "destination.swift_bank_account.bank_address": {}
    }
  },
  "on_behalf_of": {
    "on_behalf_of.customer_id": "<string>"
  }
}
'

import requests

url = "https://api.daya.co/v1/transfers"

payload = {
    "currency": "<string>",
    "amount": "<string>",
    "reference": "<string>",
    "recipient_id": "<string>",
    "destination": {
        "destination.type": "<string>",
        "destination.bank_account": {
            "destination.bank_account.account_number": "<string>",
            "destination.bank_account.bank_code": "<string>",
            "destination.bank_account.account_name": "<string>"
        },
        "destination.us_bank_account": {
            "destination.us_bank_account.account_owner_name": "<string>",
            "destination.us_bank_account.account_number": "<string>",
            "destination.us_bank_account.routing_number": "<string>",
            "destination.us_bank_account.bank_name": "<string>",
            "destination.us_bank_account.account_type": "<string>",
            "destination.us_bank_account.payout_scheme": "<string>",
            "destination.us_bank_account.address": {}
        },
        "destination.swift_bank_account": {
            "destination.swift_bank_account.account_owner_name": "<string>",
            "destination.swift_bank_account.account_owner_type": "<string>",
            "destination.swift_bank_account.account_country": "<string>",
            "destination.swift_bank_account.iban": "<string>",
            "destination.swift_bank_account.bic": "<string>",
            "destination.swift_bank_account.bank_name": "<string>",
            "destination.swift_bank_account.first_name": "<string>",
            "destination.swift_bank_account.last_name": "<string>",
            "destination.swift_bank_account.business_name": "<string>",
            "destination.swift_bank_account.category": "<string>",
            "destination.swift_bank_account.purpose_of_funds": [{}],
            "destination.swift_bank_account.short_business_description": "<string>",
            "destination.swift_bank_account.address": {},
            "destination.swift_bank_account.bank_address": {}
        }
    },
    "on_behalf_of": { "on_behalf_of.customer_id": "<string>" }
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Idempotency-Key": "<idempotency-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Api-Key': '<x-api-key>',
    'Idempotency-Key': '<idempotency-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    currency: '<string>',
    amount: '<string>',
    reference: '<string>',
    recipient_id: '<string>',
    destination: {
      'destination.type': '<string>',
      'destination.bank_account': {
        'destination.bank_account.account_number': '<string>',
        'destination.bank_account.bank_code': '<string>',
        'destination.bank_account.account_name': '<string>'
      },
      'destination.us_bank_account': {
        'destination.us_bank_account.account_owner_name': '<string>',
        'destination.us_bank_account.account_number': '<string>',
        'destination.us_bank_account.routing_number': '<string>',
        'destination.us_bank_account.bank_name': '<string>',
        'destination.us_bank_account.account_type': '<string>',
        'destination.us_bank_account.payout_scheme': '<string>',
        'destination.us_bank_account.address': {}
      },
      'destination.swift_bank_account': {
        'destination.swift_bank_account.account_owner_name': '<string>',
        'destination.swift_bank_account.account_owner_type': '<string>',
        'destination.swift_bank_account.account_country': '<string>',
        'destination.swift_bank_account.iban': '<string>',
        'destination.swift_bank_account.bic': '<string>',
        'destination.swift_bank_account.bank_name': '<string>',
        'destination.swift_bank_account.first_name': '<string>',
        'destination.swift_bank_account.last_name': '<string>',
        'destination.swift_bank_account.business_name': '<string>',
        'destination.swift_bank_account.category': '<string>',
        'destination.swift_bank_account.purpose_of_funds': [{}],
        'destination.swift_bank_account.short_business_description': '<string>',
        'destination.swift_bank_account.address': {},
        'destination.swift_bank_account.bank_address': {}
      }
    },
    on_behalf_of: {'on_behalf_of.customer_id': '<string>'}
  })
};

fetch('https://api.daya.co/v1/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/transfers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'currency' => '<string>',
    'amount' => '<string>',
    'reference' => '<string>',
    'recipient_id' => '<string>',
    'destination' => [
        'destination.type' => '<string>',
        'destination.bank_account' => [
                'destination.bank_account.account_number' => '<string>',
                'destination.bank_account.bank_code' => '<string>',
                'destination.bank_account.account_name' => '<string>'
        ],
        'destination.us_bank_account' => [
                'destination.us_bank_account.account_owner_name' => '<string>',
                'destination.us_bank_account.account_number' => '<string>',
                'destination.us_bank_account.routing_number' => '<string>',
                'destination.us_bank_account.bank_name' => '<string>',
                'destination.us_bank_account.account_type' => '<string>',
                'destination.us_bank_account.payout_scheme' => '<string>',
                'destination.us_bank_account.address' => [
                                
                ]
        ],
        'destination.swift_bank_account' => [
                'destination.swift_bank_account.account_owner_name' => '<string>',
                'destination.swift_bank_account.account_owner_type' => '<string>',
                'destination.swift_bank_account.account_country' => '<string>',
                'destination.swift_bank_account.iban' => '<string>',
                'destination.swift_bank_account.bic' => '<string>',
                'destination.swift_bank_account.bank_name' => '<string>',
                'destination.swift_bank_account.first_name' => '<string>',
                'destination.swift_bank_account.last_name' => '<string>',
                'destination.swift_bank_account.business_name' => '<string>',
                'destination.swift_bank_account.category' => '<string>',
                'destination.swift_bank_account.purpose_of_funds' => [
                                [
                                                                
                                ]
                ],
                'destination.swift_bank_account.short_business_description' => '<string>',
                'destination.swift_bank_account.address' => [
                                
                ],
                'destination.swift_bank_account.bank_address' => [
                                
                ]
        ]
    ],
    'on_behalf_of' => [
        'on_behalf_of.customer_id' => '<string>'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/transfers"

	payload := strings.NewReader("{\n  \"currency\": \"<string>\",\n  \"amount\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"recipient_id\": \"<string>\",\n  \"destination\": {\n    \"destination.type\": \"<string>\",\n    \"destination.bank_account\": {\n      \"destination.bank_account.account_number\": \"<string>\",\n      \"destination.bank_account.bank_code\": \"<string>\",\n      \"destination.bank_account.account_name\": \"<string>\"\n    },\n    \"destination.us_bank_account\": {\n      \"destination.us_bank_account.account_owner_name\": \"<string>\",\n      \"destination.us_bank_account.account_number\": \"<string>\",\n      \"destination.us_bank_account.routing_number\": \"<string>\",\n      \"destination.us_bank_account.bank_name\": \"<string>\",\n      \"destination.us_bank_account.account_type\": \"<string>\",\n      \"destination.us_bank_account.payout_scheme\": \"<string>\",\n      \"destination.us_bank_account.address\": {}\n    },\n    \"destination.swift_bank_account\": {\n      \"destination.swift_bank_account.account_owner_name\": \"<string>\",\n      \"destination.swift_bank_account.account_owner_type\": \"<string>\",\n      \"destination.swift_bank_account.account_country\": \"<string>\",\n      \"destination.swift_bank_account.iban\": \"<string>\",\n      \"destination.swift_bank_account.bic\": \"<string>\",\n      \"destination.swift_bank_account.bank_name\": \"<string>\",\n      \"destination.swift_bank_account.first_name\": \"<string>\",\n      \"destination.swift_bank_account.last_name\": \"<string>\",\n      \"destination.swift_bank_account.business_name\": \"<string>\",\n      \"destination.swift_bank_account.category\": \"<string>\",\n      \"destination.swift_bank_account.purpose_of_funds\": [\n        {}\n      ],\n      \"destination.swift_bank_account.short_business_description\": \"<string>\",\n      \"destination.swift_bank_account.address\": {},\n      \"destination.swift_bank_account.bank_address\": {}\n    }\n  },\n  \"on_behalf_of\": {\n    \"on_behalf_of.customer_id\": \"<string>\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/transfers")
  .header("X-Api-Key", "<x-api-key>")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"currency\": \"<string>\",\n  \"amount\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"recipient_id\": \"<string>\",\n  \"destination\": {\n    \"destination.type\": \"<string>\",\n    \"destination.bank_account\": {\n      \"destination.bank_account.account_number\": \"<string>\",\n      \"destination.bank_account.bank_code\": \"<string>\",\n      \"destination.bank_account.account_name\": \"<string>\"\n    },\n    \"destination.us_bank_account\": {\n      \"destination.us_bank_account.account_owner_name\": \"<string>\",\n      \"destination.us_bank_account.account_number\": \"<string>\",\n      \"destination.us_bank_account.routing_number\": \"<string>\",\n      \"destination.us_bank_account.bank_name\": \"<string>\",\n      \"destination.us_bank_account.account_type\": \"<string>\",\n      \"destination.us_bank_account.payout_scheme\": \"<string>\",\n      \"destination.us_bank_account.address\": {}\n    },\n    \"destination.swift_bank_account\": {\n      \"destination.swift_bank_account.account_owner_name\": \"<string>\",\n      \"destination.swift_bank_account.account_owner_type\": \"<string>\",\n      \"destination.swift_bank_account.account_country\": \"<string>\",\n      \"destination.swift_bank_account.iban\": \"<string>\",\n      \"destination.swift_bank_account.bic\": \"<string>\",\n      \"destination.swift_bank_account.bank_name\": \"<string>\",\n      \"destination.swift_bank_account.first_name\": \"<string>\",\n      \"destination.swift_bank_account.last_name\": \"<string>\",\n      \"destination.swift_bank_account.business_name\": \"<string>\",\n      \"destination.swift_bank_account.category\": \"<string>\",\n      \"destination.swift_bank_account.purpose_of_funds\": [\n        {}\n      ],\n      \"destination.swift_bank_account.short_business_description\": \"<string>\",\n      \"destination.swift_bank_account.address\": {},\n      \"destination.swift_bank_account.bank_address\": {}\n    }\n  },\n  \"on_behalf_of\": {\n    \"on_behalf_of.customer_id\": \"<string>\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Idempotency-Key"] = '<idempotency-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"currency\": \"<string>\",\n  \"amount\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"recipient_id\": \"<string>\",\n  \"destination\": {\n    \"destination.type\": \"<string>\",\n    \"destination.bank_account\": {\n      \"destination.bank_account.account_number\": \"<string>\",\n      \"destination.bank_account.bank_code\": \"<string>\",\n      \"destination.bank_account.account_name\": \"<string>\"\n    },\n    \"destination.us_bank_account\": {\n      \"destination.us_bank_account.account_owner_name\": \"<string>\",\n      \"destination.us_bank_account.account_number\": \"<string>\",\n      \"destination.us_bank_account.routing_number\": \"<string>\",\n      \"destination.us_bank_account.bank_name\": \"<string>\",\n      \"destination.us_bank_account.account_type\": \"<string>\",\n      \"destination.us_bank_account.payout_scheme\": \"<string>\",\n      \"destination.us_bank_account.address\": {}\n    },\n    \"destination.swift_bank_account\": {\n      \"destination.swift_bank_account.account_owner_name\": \"<string>\",\n      \"destination.swift_bank_account.account_owner_type\": \"<string>\",\n      \"destination.swift_bank_account.account_country\": \"<string>\",\n      \"destination.swift_bank_account.iban\": \"<string>\",\n      \"destination.swift_bank_account.bic\": \"<string>\",\n      \"destination.swift_bank_account.bank_name\": \"<string>\",\n      \"destination.swift_bank_account.first_name\": \"<string>\",\n      \"destination.swift_bank_account.last_name\": \"<string>\",\n      \"destination.swift_bank_account.business_name\": \"<string>\",\n      \"destination.swift_bank_account.category\": \"<string>\",\n      \"destination.swift_bank_account.purpose_of_funds\": [\n        {}\n      ],\n      \"destination.swift_bank_account.short_business_description\": \"<string>\",\n      \"destination.swift_bank_account.address\": {},\n      \"destination.swift_bank_account.bank_address\": {}\n    }\n  },\n  \"on_behalf_of\": {\n    \"on_behalf_of.customer_id\": \"<string>\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "850e8400-e29b-41d4-a716-446655440000",
  "reference": "txn_ngn_001",
  "status": "PROCESSING",
  "rail": "NGN_BANK",
  "currency": "NGN",
  "amount": "50000.00",
  "debit_currency": "USD",
  "debit_amount": "33.07",
  "fee": "0.81",
  "rate": {
    "side": "SELL",
    "value": "1550.00",
    "captured_at": "2026-01-05T15:04:05Z"
  },
  "recipient": {
    "id": "750e8400-e29b-41d4-a716-446655440000",
    "type": "BANK_ACCOUNT",
    "bank_account": {
      "account_name": "John Doe",
      "account_number_last4": "7890",
      "bank_code": "044",
      "bank_name": "Access Bank"
    }
  },
  "on_behalf_of": null,
  "created_at": "2026-01-05T15:04:05Z",
  "settled_at": null
}

{
  "id": "950e8400-e29b-41d4-a716-446655440000",
  "reference": "txn_usd_001",
  "status": "PROCESSING",
  "rail": "USD_BANK",
  "currency": "USD",
  "amount": "100.00",
  "debit_currency": "USD",
  "debit_amount": "100.00",
  "fee": "0.00",
  "rate": null,
  "recipient": {
    "id": "860e8400-e29b-41d4-a716-446655440000",
    "type": "US_BANK_ACCOUNT",
    "us_bank_account": {
      "account_owner_name": "Jane Smith",
      "account_number_last4": "6789",
      "bank_name": "Chase",
      "account_type": "checking",
      "payout_scheme": "ach"
    }
  },
  "on_behalf_of": {
    "customer_id": "650e8400-e29b-41d4-a716-446655440000"
  },
  "created_at": "2026-01-05T15:04:05Z",
  "settled_at": null
}

Overview

Create a transfer to send funds to a saved recipient or an inline destination. Transfers support both NGN bank transfers and USD ACH/wire/SWIFT transfers. Transfers are funded from your merchant balance. Before creating a transfer, ensure your balance has sufficient funds. You can fund your balance in two ways:

Crypto deposits — send stablecoins to your merchant funding crypto wallet addresses.
NGN deposits — transfer Naira to your permanent merchant funding NGN bank account (converted to USD at the current rate).

Funding account deposits are pooled into your collection balance. To use those funds for transfers or withdrawals, first move them to your withdrawal balance via the balance transfer endpoint. Merchant funding deposits go directly into your withdrawal balance. Exactly one of recipient_id or destination must be provided.

Saved vs inline recipients:

Saved recipients are created separately via POST /v1/recipients and referenced by recipient_id.
Inline recipients are created implicitly when destination is provided.
For inline USD destinations, on_behalf_of.customer_id is effectively required because the inline recipient-creation flow needs a customer context.
That customer must already be tier-2 verified; otherwise inline USD recipient creation fails.

Idempotency: This endpoint is idempotent. Use Idempotency-Key; X-Idempotency-Key is also accepted as a fallback.

Authentication

X-Api-Key

string

required

Your merchant API key

Idempotency-Key

string

required

Unique idempotency key for request deduplication. X-Idempotency-Key is also accepted.Example: 550e8400-e29b-41d4-a716-446655440000

Request Body

currency

string

required

Transfer currency.Allowed values: NGN | USD

NGN transfers: only BANK_ACCOUNT recipients.
USD transfers: only US_BANK_ACCOUNT or SWIFT_BANK_ACCOUNT recipients.

amount

string

required

Transfer amount as a decimal string in the target currency.Example: 50000.00

reference

string

required

Merchant-provided unique reference for the transfer.Example: txn_abc123

recipient_id

string

ID of a previously saved recipient (UUID). Mutually exclusive with destination.Example: 750e8400-e29b-41d4-a716-446655440000

destination

object

Inline destination details. Mutually exclusive with recipient_id.

Show destination properties

destination.type

string

required

Destination type.Allowed values: BANK_ACCOUNT | US_BANK_ACCOUNT | SWIFT_BANK_ACCOUNT

destination.bank_account

object

Nigerian bank account details. Required when destination.type is BANK_ACCOUNT.

Show bank_account properties

destination.bank_account.account_number

string

required

Bank account number

destination.bank_account.bank_code

string

required

Bank code (CBN code)

destination.bank_account.account_name

string

Account holder name (resolved automatically if omitted)

destination.us_bank_account

object

US bank account details. Required when destination.type is US_BANK_ACCOUNT.

Show us_bank_account properties

destination.us_bank_account.account_owner_name

string

required

Owner of the bank account. 1-256 characters. ACH and wire transfers enforce regex constraints on this field.

destination.us_bank_account.account_number

string

required

Account number

destination.us_bank_account.routing_number

string

required

Routing number

destination.us_bank_account.bank_name

string

required

Bank name (1-256 characters)

destination.us_bank_account.account_type

string

required

Allowed values: checking | savings

destination.us_bank_account.payout_scheme

string

required

Allowed values: ach | wire

destination.us_bank_account.address

object

required

Address of the beneficiary. US addresses used to receive wires must include a street number. country must be an ISO 3166-1 alpha-3 code. State must be a valid ISO 3166-2 subdivision code for US addresses.

destination.swift_bank_account

object

SWIFT bank account details. Required when destination.type is SWIFT_BANK_ACCOUNT. For individual recipients, provide first_name and last_name. For business recipients, provide business_name.

Show swift_bank_account properties

destination.swift_bank_account.account_owner_name

string

required

Owner of the bank account. 1-256 characters. ACH and wire transfers enforce regex constraints on this field.

destination.swift_bank_account.account_owner_type

string

required

For individual, provide first_name and last_name. For business, provide business_name.Allowed values: individual | business

destination.swift_bank_account.account_country

string

required

ISO 3166-1 alpha-3 country code where the bank account is held (3 characters)

destination.swift_bank_account.iban

string

required

International Bank Account Number

destination.swift_bank_account.bic

string

Bank Identifier Code (optional)

destination.swift_bank_account.bank_name

string

Bank name (1-256 characters, optional)

destination.swift_bank_account.first_name

string

Required when account_owner_type is individual

destination.swift_bank_account.last_name

string

Required when account_owner_type is individual

destination.swift_bank_account.business_name

string

Required when account_owner_type is business

destination.swift_bank_account.category

string

required

The context of business operations.Allowed values: client | parent_company | subsidiary | supplier

destination.swift_bank_account.purpose_of_funds

array

required

The nature of the transactions this account will participate in. At least one value required.Allowed values: intra_group_transfer | invoice_for_goods_and_services

destination.swift_bank_account.short_business_description

string

required

How the business uses the funds.

destination.swift_bank_account.address

object

required

Address of the beneficiary. country must be an ISO 3166-1 alpha-3 code. US addresses used to receive wires must include a street number.

destination.swift_bank_account.bank_address

object

required

Bank address. country must be an ISO 3166-1 alpha-3 code.

on_behalf_of

object

Optional metadata linking the transfer to a customer. Effectively required for inline USD destinations.

Show on_behalf_of properties

on_behalf_of.customer_id

string

required

Customer ID (UUID)

Request Examples

curl --request POST \
  --url https://api.daya.co/v1/transfers \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000' \
  --header 'Content-Type: application/json' \
  --data '{
    "currency": "NGN",
    "amount": "50000.00",
    "reference": "txn_ngn_001",
    "recipient_id": "750e8400-e29b-41d4-a716-446655440000"
  }'

curl --request POST \
  --url https://api.daya.co/v1/transfers \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Idempotency-Key: 660e8400-e29b-41d4-a716-446655440000' \
  --header 'Content-Type: application/json' \
  --data '{
    "currency": "USD",
    "amount": "100.00",
    "reference": "txn_usd_001",
    "on_behalf_of": {
      "customer_id": "650e8400-e29b-41d4-a716-446655440000"
    },
    "destination": {
      "type": "US_BANK_ACCOUNT",
      "us_bank_account": {
        "account_owner_name": "Jane Smith",
        "account_number": "123456789",
        "routing_number": "021000021",
        "bank_name": "Chase",
        "account_type": "checking",
        "payout_scheme": "ach",
        "address": {
          "street_line_1": "123 Main St",
          "city": "New York",
          "state": "NY",
          "postal_code": "10001",
          "country": "USA"
        }
      }
    }
  }'

Response

string

required

Transfer ID (UUID)

reference

string

required

Merchant-provided reference

status

string

required

External status: PROCESSING, SETTLED, or FAILED

rail

string

required

Transfer rail: NGN_BANK or USD_BANK

currency

string

required

Transfer currency (NGN or USD)

amount

string

required

Transfer amount in the target currency

debit_currency

string

required

Currency debited from the merchant balance (USD)

debit_amount

string

required

Total amount debited from the merchant withdrawal balance, including fees.

fee

string

required

Fee amount.

rate

object

Captured exchange rate snapshot. Present for NGN transfers.

Show rate properties

rate.side

string

Rate side (e.g. SELL)

rate.value

string

Rate value

rate.captured_at

string

When the rate was captured (ISO 8601)

recipient

object

Resolved recipient details

on_behalf_of

object

Customer metadata if provided

created_at

string

required

When the transfer was created (ISO 8601)

settled_at

string

When the transfer settled (ISO 8601). Null if not yet settled.

Success Response

{
  "id": "850e8400-e29b-41d4-a716-446655440000",
  "reference": "txn_ngn_001",
  "status": "PROCESSING",
  "rail": "NGN_BANK",
  "currency": "NGN",
  "amount": "50000.00",
  "debit_currency": "USD",
  "debit_amount": "33.07",
  "fee": "0.81",
  "rate": {
    "side": "SELL",
    "value": "1550.00",
    "captured_at": "2026-01-05T15:04:05Z"
  },
  "recipient": {
    "id": "750e8400-e29b-41d4-a716-446655440000",
    "type": "BANK_ACCOUNT",
    "bank_account": {
      "account_name": "John Doe",
      "account_number_last4": "7890",
      "bank_code": "044",
      "bank_name": "Access Bank"
    }
  },
  "on_behalf_of": null,
  "created_at": "2026-01-05T15:04:05Z",
  "settled_at": null
}

{
  "id": "950e8400-e29b-41d4-a716-446655440000",
  "reference": "txn_usd_001",
  "status": "PROCESSING",
  "rail": "USD_BANK",
  "currency": "USD",
  "amount": "100.00",
  "debit_currency": "USD",
  "debit_amount": "100.00",
  "fee": "0.00",
  "rate": null,
  "recipient": {
    "id": "860e8400-e29b-41d4-a716-446655440000",
    "type": "US_BANK_ACCOUNT",
    "us_bank_account": {
      "account_owner_name": "Jane Smith",
      "account_number_last4": "6789",
      "bank_name": "Chase",
      "account_type": "checking",
      "payout_scheme": "ach"
    }
  },
  "on_behalf_of": {
    "customer_id": "650e8400-e29b-41d4-a716-446655440000"
  },
  "created_at": "2026-01-05T15:04:05Z",
  "settled_at": null
}

Notes

A minimum effective USD debit of $1.00 is enforced.
For NGN transfers, amount is the NGN sent to the recipient and debit_amount is the total USD debited from your withdrawal balance, including fees.
Saved USD recipients can be reused later without resending full destination details.
Transfers emit transfer.* webhooks: transfer.created, transfer.processing, transfer.submitted, then transfer.completed or transfer.failed. transfer.requires_review is sent when a transfer is flagged.

Update funding account settlement destination List transfers

Getting Started

Core Concepts

Guides

Rates & Chains

Customers

Funding Accounts

Transfers

Deposits

Recipients

Banks

USD Virtual Accounts

USD Virtual Account Deposits

Merchant Balance

Merchant Funding

Webhooks

Legacy API

Overview

Authentication

Request Body

Request Examples

Response

Success Response

Notes

​Overview

​Authentication

​Request Body

​Request Examples

​Response

​Success Response

​Notes

Overview

Authentication

Request Body

Request Examples

Response

Success Response

Notes