---
updatedAt: 2025-11-11T00:09:35.000Z
agentTools:
  projectIndex: https://docs.interswitchgroup.com/v1.1/llms.txt
---

# Pay with Transfer (Virtual Accounts)

This endpoint is used to initiate a transfer from a virtual account to a merchant's account.

# OpenAPI definition

```json
{
  "openapi": "3.1.0",
  "info": {
    "title": "accept-payments-new",
    "version": "1.1"
  },
  "servers": [
    {
      "url": "https://qa.interswitchng.com"
    }
  ],
  "security": [
    {}
  ],
  "paths": {
    "/paymentgateway/api/v1/virtualaccounts/transaction": {
      "post": {
        "summary": "Pay with Transfer (Virtual Accounts)",
        "description": "This endpoint is used to initiate a transfer from a virtual account to a merchant's account.",
        "operationId": "create-transaction",
        "parameters": [
          {
            "name": "Authorization",
            "in": "header",
            "required": true,
            "schema": {
              "type": "string",
              "default": "Bearer eyJhbGciOiJSUzI1NiJ9.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.XWEJ-HSYXzXpZF63Ryn4m8JfWbuQSdmiH7wg-BoxYSTiYOT5C-PaoYIoP4SWx-MnEnTJyvDiuZHSUtEdnK5GBmYEpCnRWkdRMmD2gIGFk0cFOp716wCt398PnRyu80rMWv0xV69BsSV6wyxg-Q2rChwr4nMmttxjwqH8IHaG7ES4DXSBhFd-aui8GDVs4cek1ly54GL--NKtpIrrLj7CdWY4_5hjTTPjFSWelQ1sO_kuJAQof932WMybOKwOfZcmirPZ6jU2L8UZdXusxMQUJ3e6is2JVZ3ljM_dOGA98ERsne6qNw-yahh5bFxv1joRrPR9XgGjzZMLqZJ1Qn4zGQ"
            }
          },
          {
            "name": "Content-Type",
            "in": "header",
            "required": true,
            "schema": {
              "type": "string",
              "default": "application/json"
            }
          }
        ],
        "requestBody": {
          "content": {
            "application/json": {
              "schema": {
                "type": "object",
                "required": [
                  "merchantCode",
                  "payableCode",
                  "amount",
                  "accountName",
                  "transactionReference"
                ],
                "properties": {
                  "merchantCode": {
                    "type": "string",
                    "description": "The merchant code assigned by Interswitch.",
                    "default": "MX6072"
                  },
                  "payableCode": {
                    "type": "string",
                    "default": "9405967"
                  },
                  "currencyCode": {
                    "type": "string",
                    "description": "The currency code of the payment.",
                    "default": "566"
                  },
                  "amount": {
                    "type": "string",
                    "description": "The amount of money to be transferred.",
                    "default": "60000"
                  },
                  "accountName": {
                    "type": "string",
                    "default": "This transaction"
                  },
                  "transactionReference": {
                    "type": "string",
                    "description": "A unique reference for the transaction.",
                    "default": "123456xxx"
                  }
                }
              }
            }
          }
        },
        "responses": {
          "200": {
            "description": "200",
            "content": {
              "application/json": {
                "examples": {
                  "Result": {
                    "value": "{\n    \"accountNumber\": \"4460741408\",\n    \"bankName\": \"WEMA\",\n    \"amount\": 60000,\n    \"transactionReference\": \"123456xxx\",\n    \"responseCode\": \"Z0\",\n    \"validityPeriodMins\": 30,\n    \"accountName\": \"Quickteller Business Payment\"\n}"
                  }
                },
                "schema": {
                  "type": "object",
                  "properties": {
                    "accountNumber": {
                      "type": "string",
                      "example": "4460741408"
                    },
                    "bankName": {
                      "type": "string",
                      "example": "WEMA"
                    },
                    "amount": {
                      "type": "integer",
                      "example": 60000,
                      "default": 0
                    },
                    "transactionReference": {
                      "type": "string",
                      "example": "123456xxx"
                    },
                    "responseCode": {
                      "type": "string",
                      "example": "Z0"
                    },
                    "validityPeriodMins": {
                      "type": "integer",
                      "example": 30,
                      "default": 0
                    },
                    "accountName": {
                      "type": "string",
                      "example": "Quickteller Business Payment"
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "400",
            "content": {
              "application/json": {
                "examples": {
                  "Result": {
                    "value": "{}"
                  }
                },
                "schema": {
                  "type": "object",
                  "properties": {}
                }
              }
            }
          }
        },
        "deprecated": false,
        "security": []
      }
    }
  },
  "x-readme": {
    "headers": [],
    "explorer-enabled": true,
    "proxy-enabled": true
  },
  "x-readme-fauxas": true
}
```