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Bank Transfer

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Request parameter

curl --request GET \
  --url https://adapter.cepta.co/api/v1/pay/transfer \
  --header 'X-Access-Ts: <EPOCH Timestamp(seconds)>' \
  --header 'X-Access-Key: <PUBLIC_KEY>' \
  --header 'X-Access-Signature: <HMAC SHA256 signature>' \
  --header 'Content-Type: application/json' \
  -- data '
       {
          "transactionRef": "111111111111111349122",
          "customerEmail": "[email protected]",
          "amount": 100,
          "currency": "NGN"
        }
    '

To get started with the Bank Transfer API, initialize a transaction using the example request described above.

You are required to pass several parameters as part of the request. Required parameters include amount, transactionRef, currency, and customerEmail.

In the sandbox environment, the virtual account returned is static and will always respond with Bank Transfer Succeeded and a 200 status code.

In the production environment, a unique virtual account is generated for the customer to transfer funds into. If the payment has not yet been confirmed by the processor, calling the endpoint confirm-status?transactionRef=exampleRef will return a pending status.

Below is a list of request parameters accepted for the purchase API.

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Confirm transfer API Response

A sample response of what to expect when a call is made to confirm API status

{
    "status": true,
    "message": "Bank Transfer Succeeded",
    "data": {
        "transactionRef": "TW201321082886170_20290129012944",
        "virtualAccount": "1234567890",
        "virtualAccountName": "Cepta / TWDSL",
        "virtualBank": "Cepta",
        "accountExpiration": "01/29/2026 01:59:26",
        "transferAmount": 100.00,
        "responseCode": "00"
    }
}

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Handling successful API response.

When a transaction has been initiated successfully, the API returns response data that can be used to update the customer about the current stage of their transaction.

Below is the list of responses you can expect and their usage: