Transfer between wallets 🔒

curl --request POST \
  --url https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-Numero-Api-Key: <api-key>' \
  --header 'X-Numero-Signature: <api-key>' \
  --data '
{
  "toWalletReference": "<string>",
  "amount": 123,
  "narrative": "<string>"
}
'

import requests

url = "https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer"

payload = {
    "toWalletReference": "<string>",
    "amount": 123,
    "narrative": "<string>"
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "X-Numero-Api-Key": "<api-key>",
    "X-Numero-Signature": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    'X-Numero-Api-Key': '<api-key>',
    'X-Numero-Signature': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({toWalletReference: '<string>', amount: 123, narrative: '<string>'})
};

fetch('https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'toWalletReference' => '<string>',
    'amount' => 123,
    'narrative' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>",
    "X-Numero-Api-Key: <api-key>",
    "X-Numero-Signature: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer"

	payload := strings.NewReader("{\n  \"toWalletReference\": \"<string>\",\n  \"amount\": 123,\n  \"narrative\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("X-Numero-Api-Key", "<api-key>")
	req.Header.Add("X-Numero-Signature", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("X-Numero-Api-Key", "<api-key>")
  .header("X-Numero-Signature", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"toWalletReference\": \"<string>\",\n  \"amount\": 123,\n  \"narrative\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["X-Numero-Api-Key"] = '<api-key>'
request["X-Numero-Signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"toWalletReference\": \"<string>\",\n  \"amount\": 123,\n  \"narrative\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "walletReference": "<string>",
    "customerId": 123,
    "currency": "NGN",
    "ledgerBalance": 123,
    "availableBalance": 123,
    "pendingBalance": 123,
    "heldBalance": 123,
    "status": "Active",
    "virtualAccountNumber": "<string>",
    "virtualAccountBankName": "<string>",
    "isTest": true,
    "createdAt": "2023-11-07T05:31:56Z"
  },
  "error": {
    "message": "<string>",
    "param": "<string>"
  },
  "meta": {
    "request_id": "<string>",
    "pagination": {
      "page": 123,
      "page_size": 123,
      "total": 123,
      "has_more": true
    }
  }
}

POST

wallets

{walletReference}

transfer

Transfer between wallets 🔒

curl --request POST \
  --url https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-Numero-Api-Key: <api-key>' \
  --header 'X-Numero-Signature: <api-key>' \
  --data '
{
  "toWalletReference": "<string>",
  "amount": 123,
  "narrative": "<string>"
}
'

import requests

url = "https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer"

payload = {
    "toWalletReference": "<string>",
    "amount": 123,
    "narrative": "<string>"
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "X-Numero-Api-Key": "<api-key>",
    "X-Numero-Signature": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    'X-Numero-Api-Key': '<api-key>',
    'X-Numero-Signature': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({toWalletReference: '<string>', amount: 123, narrative: '<string>'})
};

fetch('https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'toWalletReference' => '<string>',
    'amount' => 123,
    'narrative' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>",
    "X-Numero-Api-Key: <api-key>",
    "X-Numero-Signature: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer"

	payload := strings.NewReader("{\n  \"toWalletReference\": \"<string>\",\n  \"amount\": 123,\n  \"narrative\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("X-Numero-Api-Key", "<api-key>")
	req.Header.Add("X-Numero-Signature", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("X-Numero-Api-Key", "<api-key>")
  .header("X-Numero-Signature", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"toWalletReference\": \"<string>\",\n  \"amount\": 123,\n  \"narrative\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.usenumero.com/numeroaccount/api/v1/wallets/{walletReference}/transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["X-Numero-Api-Key"] = '<api-key>'
request["X-Numero-Signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"toWalletReference\": \"<string>\",\n  \"amount\": 123,\n  \"narrative\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "walletReference": "<string>",
    "customerId": 123,
    "currency": "NGN",
    "ledgerBalance": 123,
    "availableBalance": 123,
    "pendingBalance": 123,
    "heldBalance": 123,
    "status": "Active",
    "virtualAccountNumber": "<string>",
    "virtualAccountBankName": "<string>",
    "isTest": true,
    "createdAt": "2023-11-07T05:31:56Z"
  },
  "error": {
    "message": "<string>",
    "param": "<string>"
  },
  "meta": {
    "request_id": "<string>",
    "pagination": {
      "page": 123,
      "page_size": 123,
      "total": 123,
      "has_more": true
    }
  }
}

Authorizations

X-Numero-Api-Key

string

header

required

Your business API key (live_key_...). Issued on approval; managed in Dashboard → Settings → Developer.

X-Numero-Signature

string

header

required

Base64(HMAC-SHA256(publicApiKey, input)) over the raw request body (POST) or canonicalized query string (signed GET). Also send X-Numero-Signature-Version: v2. Required on money-movement / state-changing endpoints (marked 🔒).

The HMAC key is your Public Key as raw UTF-8 bytes — a SECRET despite the name, and a different value from the X-Numero-Api-Key authentication header. Signing with the API key will never produce a valid signature.

Headers

Idempotency-Key

string

required

A unique string you generate per logical operation. Replaying the same key returns the original result rather than moving money twice; reusing it with a different body is a conflict.

Path Parameters

walletReference

string

required

The wallet's reference, as returned when the wallet was created.

Body

application/json

toWalletReference

string

required

Destination wallet. Must belong to the same merchant and currency.

amount

number<double>

required

Major units (naira

narrative

string

Response

The wallet

Canonical response envelope for the public surface. data on success, error on failure.

data

object

required

Endpoint payload on success (object or array); null on failure.

Show child attributes

error

object | null

required

Show child attributes

Utilities

Balance

Cards

Cardholders

Transfers

Virtual Accounts

Airtime

Data

Electricity

Cable TV

Betting

Verification

Credit

Customers

Invoices

Sandbox

Customer Wallets

API Reference

Transfer between wallets 🔒

Authorizations

Headers

Path Parameters

Body

Response