---
title: "Initiate transfer"
method: POST
path: "/v1/transfer"
tags: ["Transfers"]
---

# Initiate transfer

`POST /v1/transfer`

## Request

- Base URL: `https://api.kyshi.co`
- URL: `https://api.kyshi.co/v1/transfer`
- Auth: API key in header `x-api-key`
- TypeScript: <https://skmtc.dev/kyshi/apis/kyshi-mor-public-api/docs/v1/transfer/post.ts> (a function with typed inputs; its response is checked against the schema)

Sends a payout to a saved or inline beneficiary. Your available balance must cover both the amount and the payout fees. A successful response means accepted, not delivered.

## Request body

- InitiateTransferDto
  - `beneficiary` object
  - `beneficiaryId` string
  - `currency` 'NGN' | 'KES' | 'ZAR' | 'GHS' | 'XOF' | 'USD', required
  - `amount` number, required
  - `narration` string, required

## Response `201`

Success.

- object
  - `status` boolean, required: `true` on success.
  - `message` string, required
  - `code` number, required: Mirrors the HTTP status code.
  - `data` object, required: The endpoint-specific payload.
    - `transferCode` string, required: Kyshi transfer code. For pawaPay XOF payouts this is usually the provider payout ID.
    - `reference` string, required
    - `fees` PublicTransferFeeBreakdownDto, required
      - `fee` number, required
      - `vat` number, required
      - `processorFee` number, required
      - `allInclusiveKyshiFee` number, required
      - `totalFees` number, required
      - `others` object, required

## Other responses

- `400`: Missing or invalid request parameter.
- `401`: No valid API key provided.
- `403`: The API key lacks permission for this request.
- `404`: Resource not found. A 404 on an object you just created is usually a test/live mode mismatch.
- `422`: Business rule failure, such as an unsupported currency or insufficient balance.
- `500`: Something went wrong on Kyshi’s end.

## Changes

- **2026-11-03** `4aed77604588`: 8 warning, 13 info
  - removed the request property `beneficiary/accountName`
  - removed the request property `beneficiary/accountNumber`
  - removed the request property `beneficiary/bankCode`
  - removed the request property `beneficiary/bankName`
  - …17 more

[Operation history](https://skmtc.dev/kyshi/apis/kyshi-mor-public-api/changes/v1/transfer/post.md)

---

[API](https://skmtc.dev/kyshi/apis/kyshi-mor-public-api.md) - [All operations](https://skmtc.dev/kyshi/apis/kyshi-mor-public-api/llms.txt) - [OpenAPI document](https://skmtc.dev/kyshi/apis/kyshi-mor-public-api/revisions/4aed77604588?raw)