Current File : /home2/selectio/www/3-idiots/vendor/kingflamez/laravelrave/docs/transfers/initiate-transfers.md
# Initiate Transfer
This will show you how to initiate a transfer.
```php
<?php
$reference = Flutterwave::generateReference();
$data = [
'account_bank'=> '044',
'account_number'=> '0690000040',
'amount' => 5500,
'narration' => 'Payment for goods purchased',
'currency' => 'NGN',
'reference' => $reference
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
Please setup a [webhook](/verification/webhook) to get status on your transfers. When you initiate a transfer you get a queuing status, once the transfer is successful or failed, we hit your webhook to alert you, you can update the status of the transfer from there.
> You can also setup a cron job that checks all pending transfers status in your db and updates them accordingly
```php
$transferId = 187092; // get transfer ID from your DB
$transfer = Flutterwave::transfers()->fetch($transferId);
if($transfer['data']['status'] === 'SUCCESSFUL') {
// update transfer status to successful in your db
} else if ($transfer['data']['status'] === 'FAILED') {
// update transfer status to failed in your db
// revert customer balance back
} else if ($transfer['data']['status'] === 'PENDING') {
// update transfer status to pending in your db
}
```
## Parameters
| Parameter | Required | Description |
| ----------------------- | -------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| account_bank | True | This is the recipient bank code. You can see a list of all the available banks and their codes [here](/banks/list-banks). |
| account_number | True | This is the recipient account number. When testing on staging, you can find a list of test bank accounts [here](https://developer.flutterwave.com/docs/test-bank-accounts).. |
| amount | True | This is the amount to transfer to the recipient. |
| currency | True | This can be `NGN`, `GHS`, `KES`, `UGX`, `TZS`, `USD` or `ZAR`. |
| narration | False | This is the narration for the transfer e.g. payments for x services provided |
| beneficiary_name | False | This is the name of the beneficiary.. |
| destination_branch_code | False | This code uniquely identifies bank branches for disbursements into Ghana, Uganda and Tanzania. It is returned in the call to fetch bank branches here: [Click Here](/banks/bank-branches). It is only REQUIRED for GHS, UGX and TZS bank transfers. |
| beneficiary | False | This is the beneficiary's id. It allows you to initiate a transfer to an existing beneficiary. You can pass this in place of `account_bank` & `account_number`. It is returned in the call to fetch a beneficiary as `data['id']`. [Click here to create a beneficiary](/beneficiaries/create-beneficiary) |
| reference | False | This is a merchant's unique reference for the transfer, it can be used to query for the status of the transfer. |
| debit_currency | False | You can pass this when you want to debit a currency balance and send money in another currency. |
| meta | False | This is an object that helps you include additional payment information to your request e.g ['consumer_id'=>23, 'consumer_mac'=>'92a3-912ba-1192a'] |
## Transfer to Nigerian bank accounts
```php
<?php
$reference = Flutterwave::generateReference();
$data = [
"account_bank"=>"044",
"account_number"=>"0690000040",
"amount"=>5500,
"narration"=>"Akhlm Pstmn Trnsfr xx007",
"currency"=>"NGN",
"debit_currency"=>"NGN"
'reference' => $reference
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
// {
// "status": "success",
// "message": "Transfer Queued Successfully",
// "data": {
// "id": 26251,
// "account_number": "0690000040",
// "bank_code": "044",
// "full_name": "Ekene Eze",
// "created_at": "2020-01-20T16:09:34.000Z",
// "currency": "NGN",
// "debit_currency": "NGN",
// "amount": 5500,
// "fee": 45,
// "status": "NEW",
// "reference": "akhlm-pstmnpyt-rfxx007_PMCKDU_1",
// "meta": null,
// "narration": "Akhlm Pstmn Trnsfr xx007",
// "complete_message": "",
// "requires_approval": 0,
// "is_approved": 1,
// "bank_name": "ACCESS BANK NIGERIA"
// }
// }
```
## International Transfers (Other countries)
```php
<?php
$data = [
"amount" => 50,
"narration" => "Test Int'l bank transfers",
"currency" => "USD",
"reference" => "new-intl-test-transfer",
"beneficiary_name" => "Mark Cuban ",
"meta" => [
[
"AccountNumber" => "091820932BH",
"RoutingNumber" => "0000002993",
"SwiftCode" => "ABJG190",
"BankName" => "BARCLAYS BANK (U) LIMITED",
"BeneficiaryName" => "Mark Cuban",
"BeneficiaryAddress" => "HANNINGTON ROAD, KAMPALA UGANDA",
"BeneficiaryCountry" => "OT"
]
]
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## International Transfers (EUR & GBP)
```php
<?php
$data = [
"amount" => 50,
"narration" => "Test EU Int'l bank transfers",
"currency" => "EUR",
"reference" => "new-intl-eu-test-transfer",
"beneficiary_name" => "John Twain",
"meta" => [
[
"AccountNumber" => "DA091983888373BGH",
"RoutingNumber" => "BECFDE7HKKX",
"SwiftCode" => "BECFDE7HKKX",
"BankName" => "LLOYDS BANK",
"BeneficiaryName" => "John Twain",
"BeneficiaryCountry" => "DE",
"PostalCode" => "80489",
"StreetNumber" => "31",
"StreetName" => "Handelsbank Elsenheimer Str.",
"City" => "München"
]
]
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Transfer to Ghana bank account
```php
<?php
$data = [
"account_bank" => "GH280100",
"account_number" => "0031625807099",
"amount" => 50,
"narration" => "Test GHS bank transfers",
"currency" => "GHS",
"reference" => "new-GHS-test-transfer1",
"callback_url" => "https://webhook.site/b3e505b0-fe02-430e-a538-22bbbce8ce0d",
"destination_branch_code" => "GH280103",
"beneficiary_name" => "Kwame Adew"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## International transfers (US)
```php
<?php
$data = [
"amount" => 50,
"narration" => "Test Int'l bank transfers",
"currency" => "USD",
"reference" => "new-intl-test-transfer1",
"beneficiary_name" => "Mark Cuban ",
"meta" => [
[
"AccountNumber" => "09182972BH",
"RoutingNumber" => "0000000002993",
"SwiftCode" => "ABJG190",
"BankName" => "BANK OF AMERICA, N.A., SAN FRANCISCO, CA",
"BeneficiaryName" => "Mark Cuban",
"BeneficiaryAddress" => "San Francisco, 4 Newton",
"BeneficiaryCountry" => "US"
]
]
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Mpesa Mobile Money Transfer
```php
<?php
$data = [
"account_bank" => "MPS",
"account_number" => "2540782773934",
"amount" => 50,
"narration" => "New transfer",
"currency" => "KES",
"reference" => "mk-902837-jk",
"beneficiary_name" => "Kwame Adew"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Ghana Mobile Money Transfer
```php
<?php
$data = [
"account_bank" => "MTN",
"account_number" => "233542773934",
"amount" => 50,
"narration" => "New GHS momo transfer",
"currency" => "GHS",
"reference" => "mk-902837-jk",
"beneficiary_name" => "Kwame Adew"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Uganda Mobile Money Transfer
```php
<?php
$data = [
"account_bank" => "MPS",
"account_number" => "233542773934",
"amount" => 50,
"narration" => "New UGX momo transfer",
"currency" => "UGX",
"reference" => "mk-902837-jk",
"beneficiary_name" => "Kwame Adew"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Rwanda Mobile Money Transfer
```php
<?php
$data = [
"account_bank" => "MPS",
"account_number" => "233542773934",
"amount" => 50,
"narration" => "New RWF momo transfer",
"currency" => "RWF",
"reference" => "mk-902837-jk",
"beneficiary_name" => "Kwame Adew"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Francophone Mobile Money Transfer
```php
<?php
$data = [
"account_bank" => "FMM",
"account_number" => "233542773934",
"amount" => 50,
"narration" => "New franco momo transfer",
"currency" => "XAF",
"reference" => "mk-902837-jk",
"beneficiary_name" => "Kwame Adew"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Transfer to a FLW account
```php
<?php
$data = [
"account_bank" => "flutterwave",
"account_number" => "00118468",
"amount" => 5500,
"narration" => "payment for x service provided",
"currency" => "NGN",
"reference" => "mk-902837-jk",
"debit_currency" => "NGN"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Transfer USD to Nigerian DOM Accounts
```php
<?php
$data = [
"account_number" => "0690000036",
"account_bank" => "044",
"narration" => "Nada",
"amount" => 50,
"reference" => "khlm-dom-065",
"currency" => "USD",
"debit_currency" => "USD",
"beneficiary_name" => "Michale Lester",
"meta" => [
[
"first_name" => "Michale",
"last_name" => "Lester",
"email" => "dump@kizito",
"beneficiary_country" => "NG",
"mobile_number" => "+2348131133933",
"sender" => "Statik Selektah",
"merchant_name" => "Spotify"
]
]
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Transfer to SA Bank Account
```php
<?php
$data = [
"account_bank" => "FNB",
"account_number" => "0031625807099",
"amount" => 500,
"narration" => "Withdraw Fiat",
"currency" => "ZAR",
"reference" => "496_PMCKDU_1",
"debit_currency":"USD",
"callback_url" => "http://localhost:3000/deposits/banks/flutterwave_callback",
"meta" => [
[
"first_name" => "Michale",
"last_name" => "Lester",
"email" => "dump@kizito",
"mobile_number" => "+2348131133933"
]
]
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
## Transfer to Barter account
```php
<?php
$data = [
"account_number" => "+2348xxxxxxxx8",
"account_bank" => "barter",
"narration" => "Test",
"amount" => 20,
"reference" => "barter-transfer-2",
"currency" => "NGN",
"beneficiary_name" => "Ifunanya Ikemma"
];
$transfer = Flutterwave::transfers()->initiate($data);
dd($transfer);
```
Mini Shell