POST
/
api
/
v1
/
pay
/
single-transfer
curl --request POST \
  --url https://adapter.cepta.co/api/v1/pay/single-transfer \
  --header 'Content-Type: application/json' \
  --header 'X-Access-Key: <api-key>' \
  --header 'X-Access-Signature: <api-key>' \
  --header 'X-Access-Ts: <api-key>' \
  --data '{
  "bankAccount": "<string>",
  "accountNumber": "<string>",
  "accountName": "<string>",
  "amount": 123,
  "description": "<string>",
  "currency": "<string>",
  "reference": "<string>",
  "narration": "<string>"
}'
{
  "status": true,
  "message": "<string>",
  "data": {
    "status": true,
    "message": "<string>",
    "reference": "<string>",
    "transactionId": "<string>",
    "amount": 123,
    "currency": "<string>",
    "accountNumber": "<string>",
    "accountName": "<string>",
    "bankAccount": "<string>",
    "transferStatus": "<string>"
  }
}

Authorizations

​
X-Access-Key
string
header
required

Access key from Dashboard

​
X-Access-Signature
string
header
required

HMAC-SHA256 signature (hex lowercase)

​
X-Access-Ts
string
header
required

Unix timestamp in seconds (UTC) as a string

Body

​
bankAccount
string
required

Mobile money channel code: 63902 (M-PESA), 63903 (Airtel Money), 0 (SasaPay)

​
accountNumber
string
required

Recipient phone number in 254XXXXXXXXX format

​
accountName
string
required

Full name of the recipient

​
amount
number
required

Amount to transfer (must be greater than 0)

​
description
string
required

Purpose or reason for the transfer (e.g., "Salary disbursement")

​
currency
string
required

Currency code. Must be "KES"

​
reference
string
required

Unique reference for this transfer (alphanumeric, hyphens, underscores, spaces)

​
narration
string | null

Additional notes for the transfer (optional)

Response

200
text/plain
Success
​
status
boolean

Indicates if the transfer was successfully initiated

​
message
string | null

Descriptive message (e.g., "Transfer initiated successfully")

​
data
object
USSD Charge