Wallet-to-Wallet Transfer

Overview

Transfer funds instantly between two wallets within the same client ecosystem.

Use cases:

• Customer-to-customer payments
• P2P transactions
• Internal marketplace settlement
• Refunds and reversals

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Endpoint

POST /waas/Transaction/wallet2walletTransfer

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Request Headers

Key	Value	Required
Authorization	Your client-specific secret key	Yes
Ocp-Apim-Subscription-Key	Your access subscription key	Yes
Content-Type	application/json	Yes

Request Parameters

Field	Type	Required	Description
debitAccountNo	string	Yes	Source wallet ID
creditAccountNo	string	Yes	Destination wallet ID
amount	decimal	Yes	Transfer amount
msgId	string	Yes	Unique reference
narration	string	Yes	Transaction description

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Request Example

curl -X POST "https://api-sandbox.accessbankplc.com/waas/Transaction/wallet2walletTransfer" \
  -H "Authorization: Bearer <access_token>" \
  -H "Ocp-Apim-Subscription-Key: <subscription_key>" \
  -H "Content-Type: application/json" \
  -d '{
    "debitAccountNo": "0702334455",
    "creditAccountNo": "0702334466",
    "amount": 5000,
    "msgId": "W2W-20250211-001",
    "narration": "Wallet to wallet transfer"
  }'

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Response

{
  "succeeded": true,
  "code": "200",
  "message": "successful request",
  "data": {
    "transactionRef": "W2W-1707654321",
    "status": "SUCCESS"
  },
  "pageMeta": {}
}

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Error Codes

Code	Message	Description
33	Same account transfer invalid	Cannot transfer to same wallet
32	Cross-client posting not allowed	Wallets belong to different clients

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