Quickstart: Make a Transfer

Channel	Use case
NGN Bank Transfer	Send money to any Nigerian bank account
Mobile Money (MoMo)	Send money to a mobile wallet across supported countries

Path A — NGN Bank Transfer

Sending an NGN bank transfer follows four steps: get the list of banks, resolve the destination account, initiate the transfer, then check status.

Step 1: Get the list of banks

This endpoint requires no authentication and returns all banks available for transfers.

curl https://api.withcapera.com/b2b/v1/banks

Response

[
  { "id": "bank_001", "name": "First Bank of Nigeria", "slug": "first-bank" },
  { "id": "bank_002", "name": "Guaranty Trust Bank",   "slug": "gtb" },
  { "id": "bank_003", "name": "United Bank for Africa", "slug": "uba" }
]

Cache this list — it changes infrequently. Use the slug value when initiating transfers.

Step 2: Resolve the destination account

Before sending money, verify that the account number is valid and retrieve the account holder's name.

curl "https://api.withcapera.com/b2b/v1/bank/resolve?accountNumber=1234567890&bankSlug=first-bank" \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx"

Query parameters

Parameter	Required	Description
`accountNumber`	Yes	10-digit bank account number
`bankSlug`	Yes	Bank slug from the List Banks response

Response

{
  "accountName": "Amara Okafor"
}

Show the accountName to the user before they confirm the transfer. This prevents sending to the wrong account.

Step 3: Initiate the transfer

curl -X POST https://api.withcapera.com/b2b/v1/transfers/initiate \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "TRF-2024-001",
    "amount": 500000,
    "bankSlug": "first-bank",
    "accountNumber": "1234567890",
    "accountName": "Amara Okafor",
    "narration": "Payment for invoice #1042"
  }'

Request fields

Field	Type	Required	Description
`reference`	string	Yes	Your unique identifier for this transfer — used for idempotency
`amount`	integer	Yes	Amount in kobo. ₦1 = 100 kobo. Must be greater than 0.
`bankSlug`	string	Yes	Bank slug from the List Banks response
`accountNumber`	string	Yes	Destination account number
`accountName`	string	Yes	Account holder name from the resolve step
`narration`	string	No	Description shown on the recipient's bank statement

Use a unique reference for every transfer. If you retry a failed request with the same reference, Capera returns the original result rather than creating a duplicate.

Response

{
  "status": "PENDING"
}

The transfer is queued. Processing happens asynchronously — use the next step to check the outcome.

Step 4: Check transfer status

curl https://api.withcapera.com/b2b/v1/transfers/TRF-2024-001 \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx"

Response

{
  "reference": "TRF-2024-001",
  "status": "SUCCESS",
  "amount": 500000,
  "fee": 50
}

Transfer statuses

Status	Meaning
`PENDING`	Queued, not yet sent
`PROCESSING`	Sent to the bank, awaiting confirmation
`SUCCESS`	Funds delivered
`FAILED`	Transfer failed — safe to retry with a new reference
`CANCELLED`	Transfer was cancelled

Instead of polling, subscribe to transfer.success and transfer.failed webhook events to get notified the moment the status changes.

Path B — Mobile Money Transfer

Use this to send funds directly to a mobile wallet. The flow is: list operators → resolve the account → initiate the transfer → check status.

Step 1: List MoMo operators

curl https://api.withcapera.com/b2b/v1/momo/operators/GH

Replace GH with the ISO 3166-1 alpha-2 country code for the destination. You can filter by type using the type query parameter.

Response

{
  "success": true,
  "data": [
    { "operator": "MTN Ghana", "operatorCode": "MTN_GH" },
    { "operator": "Vodafone Ghana", "operatorCode": "VOD_GH" }
  ]
}

Use the operatorCode in the steps below.

Step 2: Resolve the MoMo account

Verify the phone number and get the account holder's name before sending.

curl -X GET https://api.withcapera.com/b2b/v1/momo/resolve-account \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "operatorCode": "MTN_GH",
    "phoneNumber": "+233241234567"
  }'

Response

{
  "success": true,
  "data": {
    "firstName": "Kwame",
    "lastName": "Mensah",
    "operatorCode": "MTN_GH"
  }
}

Step 3: Initiate the MoMo transfer

curl -X POST https://api.withcapera.com/b2b/v1/momo/transfer \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "MOMO-TRF-001",
    "amount": 5000,
    "operatorCode": "MTN_GH",
    "phoneNumber": "+233241234567",
    "narration": "Salary payment",
    "counterparty": {
      "firstName": "Kwame",
      "lastName": "Mensah"
    }
  }'

Request fields

Field	Type	Required	Description
`reference`	string	Yes	Your unique identifier for this transfer
`amount`	integer	Yes	Amount in the currency's minor unit. Must be greater than 0.
`operatorCode`	string	Yes	Operator code from the List Operators response
`phoneNumber`	string	Yes	Recipient's phone number in E.164 format
`narration`	string	No	Transfer description
`counterparty.firstName`	string	Yes	Recipient's first name
`counterparty.lastName`	string	Yes	Recipient's last name

Response

{
  "success": true,
  "data": {
    "reference": "MOMO-TRF-001",
    "status": "PENDING",
    "amount": 5000,
    "fee": 0
  }
}

Step 4: Check MoMo transfer status

curl https://api.withcapera.com/b2b/v1/momo/transfer/MOMO-TRF-001 \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx"

Response

{
  "success": true,
  "data": {
    "reference": "MOMO-TRF-001",
    "status": "SUCCESS",
    "amount": 5000,
    "fee": 0
  }
}

What's next

Quickstart: Receive a Payment — collect payments via virtual accounts
Integration Journey — end-to-end guide from sandbox to production
Transfers API Reference — full endpoint documentation