Initiate a single transfer 🔒

curl --request POST \
  --url https://api.usenumero.com/numeroaccount/api/v1/business/single \
  --header 'Content-Type: application/json' \
  --header 'X-Numero-Api-Key: <api-key>' \
  --header 'X-Numero-Signature: <api-key>' \
  --data '
{
  "amount": 5000,
  "destinationAccountNumber": "<string>",
  "destinationBankCode": "000013",
  "transferSessionId": "<string>",
  "narration": "<string>",
  "destinationAccountName": "<string>",
  "phoneNumber": "<string>"
}
'

import requests

url = "https://api.usenumero.com/numeroaccount/api/v1/business/single"

payload = {
    "amount": 5000,
    "destinationAccountNumber": "<string>",
    "destinationBankCode": "000013",
    "transferSessionId": "<string>",
    "narration": "<string>",
    "destinationAccountName": "<string>",
    "phoneNumber": "<string>"
}
headers = {
    "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: {
    'X-Numero-Api-Key': '<api-key>',
    'X-Numero-Signature': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 5000,
    destinationAccountNumber: '<string>',
    destinationBankCode: '000013',
    transferSessionId: '<string>',
    narration: '<string>',
    destinationAccountName: '<string>',
    phoneNumber: '<string>'
  })
};

fetch('https://api.usenumero.com/numeroaccount/api/v1/business/single', 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/business/single",
  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([
    'amount' => 5000,
    'destinationAccountNumber' => '<string>',
    'destinationBankCode' => '000013',
    'transferSessionId' => '<string>',
    'narration' => '<string>',
    'destinationAccountName' => '<string>',
    'phoneNumber' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "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/business/single"

	payload := strings.NewReader("{\n  \"amount\": 5000,\n  \"destinationAccountNumber\": \"<string>\",\n  \"destinationBankCode\": \"000013\",\n  \"transferSessionId\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"destinationAccountName\": \"<string>\",\n  \"phoneNumber\": \"<string>\"\n}")

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

	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/business/single")
  .header("X-Numero-Api-Key", "<api-key>")
  .header("X-Numero-Signature", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 5000,\n  \"destinationAccountNumber\": \"<string>\",\n  \"destinationBankCode\": \"000013\",\n  \"transferSessionId\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"destinationAccountName\": \"<string>\",\n  \"phoneNumber\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.usenumero.com/numeroaccount/api/v1/business/single")

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

request = Net::HTTP::Post.new(url)
request["X-Numero-Api-Key"] = '<api-key>'
request["X-Numero-Signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 5000,\n  \"destinationAccountNumber\": \"<string>\",\n  \"destinationBankCode\": \"000013\",\n  \"transferSessionId\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"destinationAccountName\": \"<string>\",\n  \"phoneNumber\": \"<string>\"\n}"

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

{
  "data": {
    "transferReference": [
      "TRF-20240115-abc123"
    ]
  },
  "error": null,
  "meta": {
    "request_id": "req_365123ebc73323f1482508560ce6400e",
    "pagination": null
  }
}

Transfers

Initiate a single transfer 🔒

Send NGN to a bank account. Optionally pass the transferSessionId from /business/validate to keep provider routing consistent. (signed)

This server-to-server channel is authorised by the request signature, not by a transfer OTP or transaction PIN — there is no session to send a code to. Do not send validationCode or transactionPin; they are ignored here. (Both remain in force on the merchant dashboard’s own transfer flow, which is a different channel.)

POST

business

single

Initiate a single transfer 🔒

curl --request POST \
  --url https://api.usenumero.com/numeroaccount/api/v1/business/single \
  --header 'Content-Type: application/json' \
  --header 'X-Numero-Api-Key: <api-key>' \
  --header 'X-Numero-Signature: <api-key>' \
  --data '
{
  "amount": 5000,
  "destinationAccountNumber": "<string>",
  "destinationBankCode": "000013",
  "transferSessionId": "<string>",
  "narration": "<string>",
  "destinationAccountName": "<string>",
  "phoneNumber": "<string>"
}
'

import requests

url = "https://api.usenumero.com/numeroaccount/api/v1/business/single"

payload = {
    "amount": 5000,
    "destinationAccountNumber": "<string>",
    "destinationBankCode": "000013",
    "transferSessionId": "<string>",
    "narration": "<string>",
    "destinationAccountName": "<string>",
    "phoneNumber": "<string>"
}
headers = {
    "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: {
    'X-Numero-Api-Key': '<api-key>',
    'X-Numero-Signature': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 5000,
    destinationAccountNumber: '<string>',
    destinationBankCode: '000013',
    transferSessionId: '<string>',
    narration: '<string>',
    destinationAccountName: '<string>',
    phoneNumber: '<string>'
  })
};

fetch('https://api.usenumero.com/numeroaccount/api/v1/business/single', 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/business/single",
  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([
    'amount' => 5000,
    'destinationAccountNumber' => '<string>',
    'destinationBankCode' => '000013',
    'transferSessionId' => '<string>',
    'narration' => '<string>',
    'destinationAccountName' => '<string>',
    'phoneNumber' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "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/business/single"

	payload := strings.NewReader("{\n  \"amount\": 5000,\n  \"destinationAccountNumber\": \"<string>\",\n  \"destinationBankCode\": \"000013\",\n  \"transferSessionId\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"destinationAccountName\": \"<string>\",\n  \"phoneNumber\": \"<string>\"\n}")

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

	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/business/single")
  .header("X-Numero-Api-Key", "<api-key>")
  .header("X-Numero-Signature", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 5000,\n  \"destinationAccountNumber\": \"<string>\",\n  \"destinationBankCode\": \"000013\",\n  \"transferSessionId\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"destinationAccountName\": \"<string>\",\n  \"phoneNumber\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.usenumero.com/numeroaccount/api/v1/business/single")

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

request = Net::HTTP::Post.new(url)
request["X-Numero-Api-Key"] = '<api-key>'
request["X-Numero-Signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 5000,\n  \"destinationAccountNumber\": \"<string>\",\n  \"destinationBankCode\": \"000013\",\n  \"transferSessionId\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"destinationAccountName\": \"<string>\",\n  \"phoneNumber\": \"<string>\"\n}"

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

{
  "data": {
    "transferReference": [
      "TRF-20240115-abc123"
    ]
  },
  "error": null,
  "meta": {
    "request_id": "req_365123ebc73323f1482508560ce6400e",
    "pagination": null
  }
}

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.

Body

application/json

amount

number

required

Amount in naira (major units, up to 2 dp). 1000 = ₦1,000.00.

Example:

5000

destinationAccountNumber

string

required

Recipient 10-digit NUBAN — or, for an internal transfer, the recipient's Numero account number.

destinationBankCode

string

required

Recipient bank CBN code. Use the literal "NUMERO" to send an instant internal book transfer to another Numero merchant (see 'Internal transfers').

Example:

"000013"

transferSessionId

string | null

Optional session id from a prior validate, to keep provider routing consistent.

narration

string | null

Optional free-text reference shown on the transfer (≤90 chars).

destinationAccountName

string | null

Resolved recipient name from /business/transfer/validate. Required for external transfers; optional (resolved by Numero) when destinationBankCode is "NUMERO".

phoneNumber

string | null

Response

Successful response

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

data

any

required

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

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

Initiate a single transfer 🔒

Authorizations

Body

Response