Wallet To Wallet Payout
Confirms a wallet-to-wallet transfer after the transfer has been initiated.
The confirmation request requires the source wallet PIN and OTP/authentication token to authorize the debit from the source wallet. Settlement of the target wallet is completed within the applicable T + x settlement period.
Request
Method: POST
Endpoint:
{{base_url}}/api/v1/user/wallet/transfer/confirmAuthentication & Headers
| Header | Type | Required | Description |
|---|---|---|---|
Authorization | String | Yes | Bearer <token> — your activated authentication token. |
x-merchant-ref | String | Yes | Your unique merchant reference. |
Content-Type | String | Yes | Must be set to application/json. |
Request Body
{
"user_ref": "USER-REF-001",
"auth_token": "<otp-or-auth-token>",
"wallet_pin": "<wallet-pin>"
}Request Fields
| Field | Type | Required | Description |
|---|---|---|---|
user_ref | String | Yes | Unique reference identifying the user initiating the wallet transfer. |
auth_token | String | Yes | OTP or authentication token required to authorize the transfer. |
wallet_pin | String | Yes | PIN of the source wallet used to authorize the debit. |
Transfer Confirmation
The confirmation process authorizes the debit from the source wallet after the transfer has been initiated.
Initiate Wallet Transfer → Receive OTP/Auth Token → Confirm Transfer → Source Wallet Debited → Target Wallet Settlement
Important: Both the wallet PIN and OTP/authentication token are required to confirm the transfer.
Settlement
After the transfer is confirmed, the target wallet is settled according to the applicable T + x settlement period.
Applicable Payouts Areas
The same Wallet Debit Confirmation process applies when initiating payouts from a user's SubWallet to the following destinations:
- SubWallet to Bank
- SubWallet to Crypto
- SubWallet to EUSD
For these payout types, the merchant initiates the payout first and then confirms the debit using the user's wallet PIN and OTP/authentication token.
Initiate Payout → Receive OTP/Auth Token → Confirm Wallet Debit → Source SubWallet Debited → Target Destination Settlement
Updated 25 days ago