Initiate Sends

Overview

Sends are initiated from your virtual accounts using the Submit Send Request endpoint. You can send payments from your primary virtual account or from a custom wallet virtual account.

Step 1: Get the Channel ID

Before initiating a send, retrieve the appropriate channelId by calling the Channels endpoint. Filter the results for:

channelType: virtualbank
country: The country matching your virtual account (e.g., US, NG)
currency: The currency matching your virtual account (e.g., USD, NGN)

The returned channelId is required when submitting the send request.

📘
Manual Input Network Right now, the API doesn't have a list of all banks available in all countries. Manual Input network is available to help with this, when you call the Get Networks endpoint and you filter by your selected channelId, you'll have one network left with network name "Manual Input". Pass this Network ID, alongside other destination input sent to the submit payment endpoint.

Step 2: Submit the Send Request

Call the Submit Send Request endpoint with the channelId, sender details, destination details, and the payment amount.

Supported Networks by Currency

Currency	Supported Networks
USD	`ACH`, `WIRE`, `SWIFT`
EUR	`SEPA`, `SWIFT`
GBP	`FASTER_PAYMENTS`, `SWIFT`

Common Destination Fields

All send requests require the following destination fields, regardless of the network type:

Field	Type	Required	Description
`accountNumber`	string	Yes	Recipient bank account number
`accountName`	string	Yes	Recipient account holder name
`accountType`	string	Yes	Set to `bank`
`networkId`	string	Yes	Network identifier (the manual input network ID)
`outboundTransactionType`	string	Yes	The transfer network: `ACH`, `WIRE`, `SWIFT`, `SEPA`, `FASTER_PAYMENTS`
`bankAccountType`	string	Yes	`checking` or `savings`
`bankName`	string	Yes	Recipient's bank name
`bankAddress`	string	Yes	Recipient's bank address
`bankCity`	string	Yes	Recipient's bank city
`bankPostalCode`	string	Yes	Recipient's bank postal code
`bankCountry`	string	Yes	Recipient's bank country code
`city`	string	Yes	Recipient's city
`postalCode`	string	Yes	Recipient's postal code
`state`	string	Yes	Recipient's state/region
`country`	string	Yes	Recipient's country code
`address`	string	Yes	Recipient's address

Network-Specific Destination Fields

In addition to the common fields above, each network type requires specific additional fields:

ACH / WIRE (USD)

Field	Type	Required	Description
`routingNumber`	string	Yes	Bank routing number

SWIFT (USD, EUR, GBP)

Field	Type	Required	Description
`swiftCode`	string	Yes	Bank SWIFT/BIC code
`routingNumber`	string	Yes	Bank routing number

SEPA (EUR)

Field	Type	Required	Description
`swiftCode`	string	Yes	Bank SWIFT/BIC code

FASTER_PAYMENTS (GBP)

Field	Type	Required	Description
`sortCode`	string	Yes	UK bank sort code

Request Examples by Network

ACH Send (USD)

POST /business/payments

{
  "source": {
    "accountType": "bank"
  },
  "channelId": "efff976c-a53b-4baa-b81b-ec26f2121c7d",
  "sequenceId": "ach-send-001",
  "sender": {
    "name": "Acme Corp",
    "country": "United States",
    "address": "100 Main St, New York, NY 10001",
    "dob": "01/01/1990",
    "email": "[email protected]",
    "idNumber": "RC123456",
    "idType": "passport"
  },
  "destination": {
    "accountNumber": "123456789",
    "networkId": "28281f21-4705-431f-a752-9a485628c76a9",
    "accountType": "bank",
    "accountName": "Jane Smith",
    "outboundTransactionType": "ACH",
    "routingNumber": "021000021",
    "bankAccountType": "checking",
    "bankName": "Chase Bank",
    "bankAddress": "270 Park Ave",
    "bankCity": "New York",
    "bankPostalCode": "10017",
    "bankCountry": "US",
    "city": "New York",
    "postalCode": "10001",
    "state": "NY",
    "country": "US",
    "address": "200 Broadway"
  },
  "amount": 100,
  "reason": "services",
  "forceAccept": true
}

WIRE Send (USD)

POST /business/payments

{
  "source": {
    "accountType": "bank"
  },
  "channelId": "efff976c-a53b-4baa-b81b-ec26f2121c7d",
  "sequenceId": "wire-send-001",
  "sender": {
    "name": "Acme Corp",
    "country": "United States",
    "address": "100 Main St, New York, NY 10001",
    "dob": "01/01/1990",
    "email": "[email protected]",
    "idNumber": "RC123456",
    "idType": "passport"
  },
  "destination": {
    "accountNumber": "123456789",
    "networkId": "28281f21-4705-431f-a752-9a485628c76a9",
    "accountType": "bank",
    "accountName": "Jane Smith",
    "outboundTransactionType": "WIRE",
    "routingNumber": "021000021",
    "bankAccountType": "checking",
    "bankName": "Chase Bank",
    "bankAddress": "270 Park Ave",
    "bankCity": "New York",
    "bankPostalCode": "10017",
    "bankCountry": "US",
    "city": "New York",
    "postalCode": "10001",
    "state": "NY",
    "country": "US",
    "address": "200 Broadway"
  },
  "amount": 500,
  "reason": "services",
  "forceAccept": true
}

SWIFT Send (USD)

POST /business/payments

{
  "source": {
    "accountType": "bank"
  },
  "channelId": "efff976c-a53b-4baa-b81b-ec26f2121c7d",
  "sequenceId": "swift-send-001",
  "sender": {
    "name": "Acme Corp",
    "country": "United States",
    "address": "100 Main St, New York, NY 10001",
    "dob": "01/01/1990",
    "email": "[email protected]",
    "idNumber": "RC123456",
    "idType": "passport"
  },
  "destination": {
    "accountNumber": "DE89370400440532013000",
    "networkId": "28281f21-4705-431f-a752-9a485628c76a",
    "accountType": "bank",
    "accountName": "Acme GmbH",
    "outboundTransactionType": "SWIFT",
    "swiftCode": "COBADEFFXXX",
    "routingNumber": "021000021",
    "bankAccountType": "checking",
    "bankName": "Commerzbank",
    "bankAddress": "Friedrichstraße 100",
    "bankCity": "Berlin",
    "bankPostalCode": "10115",
    "bankCountry": "DE",
    "city": "Berlin",
    "postalCode": "10115",
    "state": "Berlin",
    "country": "DE",
    "address": "Friedrichstraße 100"
  },
  "amount": 50,
  "reason": "services",
  "forceAccept": true
}

SEPA Send (EUR)

POST /business/payments

{
  "source": {
    "accountType": "bank"
  },
  "channelId": "efff976c-a53b-4baa-b81b-ec26f2121c7d",
  "sequenceId": "sepa-send-001",
  "sender": {
    "name": "Acme Corp",
    "country": "France",
    "address": "12 Rue de Rivoli, 75001 Paris",
    "dob": "01/01/1990",
    "email": "[email protected]",
    "idNumber": "RC123456",
    "idType": "passport"
  },
  "destination": {
    "accountNumber": "FR7630006000011234567890189",
    "networkId": "28281f21-4705-431f-a752-9a485628c76a",
    "accountType": "bank",
    "accountName": "Marie Dupont",
    "outboundTransactionType": "SEPA",
    "swiftCode": "BNPAFRPPXXX",
    "bankAccountType": "checking",
    "bankName": "BNP Paribas",
    "bankAddress": "16 Boulevard des Italiens",
    "bankCity": "Paris",
    "bankPostalCode": "75009",
    "bankCountry": "FR",
    "city": "Paris",
    "postalCode": "75001",
    "state": "Île-de-France",
    "country": "FR",
    "address": "12 Rue de Rivoli"
  },
  "amount": 200,
  "reason": "services",
  "forceAccept": true
}

FASTER_PAYMENTS Send (GBP)

POST /business/payments

{
  "source": {
    "accountType": "bank"
  },
  "channelId": "efff976c-a53b-4baa-b81b-ec26f2121c7d",
  "sequenceId": "fp-send-001",
  "sender": {
    "name": "Acme Corp",
    "country": "United Kingdom",
    "address": "10 Downing Street, London SW1A 2AA",
    "dob": "01/01/1990",
    "email": "[email protected]",
    "idNumber": "RC123456",
    "idType": "passport"
  },
  "destination": {
    "accountNumber": "12345678",
    "networkId": "28281f21-4705-431f-a752-9a485628c76a",
    "accountType": "bank",
    "accountName": "James Wilson",
    "outboundTransactionType": "FASTER_PAYMENTS",
    "sortCode": "200000",
    "bankAccountType": "checking",
    "bankName": "Barclays",
    "bankAddress": "1 Churchill Place",
    "bankCity": "London",
    "bankPostalCode": "E14 5HP",
    "bankCountry": "GB",
    "city": "London",
    "postalCode": "SW1A 1AA",
    "state": "London",
    "country": "GB",
    "address": "10 Downing Street"
  },
  "amount": 150,
  "reason": "services",
  "forceAccept": true
}

Sends from Custom Wallet Virtual Accounts

To initiate a send from a custom wallet virtual account instead of your primary virtual account wallet, include the walletId field in the request. The walletId is the id of the custom wallet returned when you created it.

POST /business/payments

{
  "source": {
    "accountType": "bank"
  },
  "walletId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "channelId": "efff976c-a53b-4baa-b81b-ec26f2121c7d",
  "sequenceId": "wallet-send-001",
  "sender": {
    "name": "John Doe",
    "country": "France",
    "address": "12 North Street, 100001 Paris",
    "dob": "02/01/1997",
    "email": "[email protected]",
    "idNumber": "12345567",
    "idType": "license"
  },
  "destination": {
    "accountNumber": "DE89370400440532013000",
    "networkId": "28281f21-4705-431f-a752-9a485628c76a",
    "accountType": "bank",
    "accountName": "Acme GmbH",
    "outboundTransactionType": "SWIFT",
    "swiftCode": "COBADEFFXXX",
    "routingNumber": "021000021",
    "bankAccountType": "checking",
    "bankName": "Commerzbank",
    "bankAddress": "Friedrichstraße 100",
    "bankCity": "Berlin",
    "bankPostalCode": "10115",
    "bankCountry": "DE",
    "city": "Berlin",
    "postalCode": "10115",
    "state": "Berlin",
    "country": "DE",
    "address": "Friedrichstraße 100"
  },
  "amount": 10,
  "reason": "other",
  "forceAccept": true
}

The only difference from a standard send is the addition of the walletId field, which directs the send to be paid from the specified custom wallet's virtual account.

Payment Webhooks

Payment webhook events are sent as the send progresses through its lifecycle. For details on send webhook event types and statuses, refer to the Webhooks and Events page.