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TagPay supports two primary transfer modes: bank transfers to any Nigerian bank account via NIP (NIBSS Instant Payment), and wallet-to-wallet transfers between customers on the same platform. This guide covers both flows, including how to look up account details before initiating a transfer.

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Prerequisites

All transfer endpoints require:
  • A valid merchant Bearer token in the Authorization header
  • NIP access enabled on your merchant account for bank transfers
  • Internal transfer access enabled for wallet-to-wallet transfers
Contact [email protected] if these features are not yet activated on your account.

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Bank transfers

Send funds from your merchant settlement balance to any Nigerian bank account.

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Step 1 — List available banks

Fetch the full list of supported Nigerian banks and their sort codes. You’ll need the sort code when initiating a transfer.
cURL
curl -X GET https://api.tagpay.ng/v1/transfer/banks \
  -H "Authorization: Bearer <your-token>"
Response
{
  "success": true,
  "data": [
    { "name": "Access Bank", "sortCode": "000014" },
    { "name": "GTBank", "sortCode": "000013" },
    { "name": "Zenith Bank", "sortCode": "000015" }
  ]
}

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Step 2 — Resolve account details

Before sending a transfer, verify that the destination account number matches the intended recipient. This prevents failed or misdirected transfers.
cURL
curl -X GET "https://api.tagpay.ng/v1/transfer/account/details?accountNumber=0123456789&sortCode=000014" \
  -H "Authorization: Bearer <your-token>"
Response
{
  "success": true,
  "data": {
    "accountName": "JOHN ADEYEMI",
    "accountNumber": "0123456789",
    "bankName": "Access Bank"
  }
}
Query paramTypeRequiredDescription
accountNumberstringYes10-digit NUBAN account number
sortCodestringYesBank sort code from /transfer/banks

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Step 3 — Initiate the transfer

Send funds from your merchant balance to the verified account using POST /transfer/bank.
cURL
curl -X POST https://api.tagpay.ng/v1/transfer/bank \
  -H "Authorization: Bearer <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "0123456789",
    "accountName": "JOHN ADEYEMI",
    "sortCode": "000014",
    "amount": 50000,
    "narration": "Payment for services rendered",
    "metadata": {
      "invoiceId": "INV-2026-042"
    }
  }'
Response
{
  "success": true,
  "data": {
    "reference": "TRF-2026-0408-001",
    "status": "pending",
    "amount": 50000,
    "destinationAccount": "0123456789",
    "destinationBank": "Access Bank",
    "narration": "Payment for services rendered"
  }
}
FieldTypeRequiredDescription
accountNumberstringYesDestination 10-digit account number
accountNamestringYesAccount holder name (from account lookup)
sortCodestringYesBank sort code
amountnumberYesAmount in kobo
narrationstringNoDescription visible on the recipient’s statement
metadataobjectNoArbitrary key-value pairs for your records
Always resolve account details before initiating a transfer. The accountName you submit is verified against the bank’s records during processing.

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Customer-initiated bank transfer

Use POST /transfer/bank/customer to debit a specific customer’s wallet and send the funds to a bank account. This is useful for letting customers withdraw to their own external accounts.
cURL
curl -X POST https://api.tagpay.ng/v1/transfer/bank/customer \
  -H "Authorization: Bearer <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cus_abc123",
    "accountNumber": "0123456789",
    "accountName": "JOHN ADEYEMI",
    "sortCode": "000014",
    "amount": 20000,
    "narration": "Withdrawal to Access Bank",
    "reference": "CUST-WDL-2026-001"
  }'
FieldTypeRequiredDescription
customerIdstringYesThe customer whose wallet to debit
accountNumberstringYesDestination account number
accountNamestringYesAccount holder name
sortCodestringYesBank sort code
amountnumberYesAmount in kobo
narrationstringNoStatement narration
referencestringNoYour unique transfer reference
metadataobjectNoArbitrary key-value pairs

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Batch bank transfers

Send funds to multiple bank accounts in a single request using POST /transfer/bank/batch. The request body is an array of transfer objects.
cURL
curl -X POST https://api.tagpay.ng/v1/transfer/bank/batch \
  -H "Authorization: Bearer <your-token>" \
  -H "Content-Type: application/json" \
  -d '[
    {
      "accountNumber": "0123456789",
      "accountName": "JOHN ADEYEMI",
      "sortCode": "000014",
      "amount": 50000,
      "narration": "Staff salary - April"
    },
    {
      "accountNumber": "9876543210",
      "accountName": "GRACE NWOSU",
      "sortCode": "000013",
      "amount": 75000,
      "narration": "Staff salary - April"
    }
  ]'
Each object in the array accepts the same fields as a single bank transfer. You must include at least one object in the array.
Batch transfers are processed synchronously. Ensure your account has sufficient balance to cover the total amount across all transactions before submitting.

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Wallet-to-wallet transfer

Transfer funds between two customer wallets on your platform using POST /transfer/wallet-to-wallet. No interbank processing is involved, so settlements are instant.
cURL
curl -X POST https://api.tagpay.ng/v1/transfer/wallet-to-wallet \
  -H "Authorization: Bearer <your-token>" \
  -H "Content-Type: application/json" \
  -d '{
    "fromCustomerId": "cus_abc123",
    "toCustomerId": "cus_def456",
    "amount": 10000
  }'
Response
{
  "success": true,
  "data": {
    "reference": "WTW-2026-001",
    "status": "success",
    "amount": 10000,
    "fromCustomerId": "cus_abc123",
    "toCustomerId": "cus_def456"
  }
}
FieldTypeRequiredDescription
fromCustomerIdstringYesCustomer ID of the sender
toCustomerIdstringYesCustomer ID of the recipient
amountnumberYesAmount in kobo
For internal wallet transfers between wallets identified by wallet IDs (rather than customer IDs), use POST /transfer/wallet. The body accepts fromWalletId and toWalletId in place of customer IDs.