> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useglyde.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Send Money

> Transfer funds to any Nigerian bank account

Send money from your Glyde wallet to any Nigerian bank account. Transfers are processed instantly during banking hours and typically complete within seconds.

## How Transfers Work

<Steps>
  <Step title="Verify the Recipient">
    Always verify the bank account before sending to confirm the account name matches your recipient.
  </Step>

  <Step title="Initiate the Transfer">
    Call the transfer API with the amount, bank details, and your unique reference.
  </Step>

  <Step title="Receive Confirmation">
    Glyde sends a `transfer.success` or `transfer.failed` webhook when the transfer completes.
  </Step>
</Steps>

## Prerequisites

Before making transfers:

* **Fund your wallet** — Your Glyde wallet must have sufficient balance (amount + fee)
* **Configure webhooks** — Transfers require a webhook URL to be set in your dashboard
* **Get bank codes** — Use the `/v1/banks` endpoint to get valid bank codes

## Step 1: Verify the Account

Always verify bank accounts before transferring. This confirms the account exists and shows you the account holder's name:

```bash theme={null}
GET /v1/account-enquiry?account_number=0264341458&bank_code=058
```

```json theme={null}
{
  "status": "success",
  "data": {
    "bank_name": "GTBank",
    "account_name": "John Doe",
    "account_number": "0264341458"
  }
}
```

Display the `account_name` to your user for confirmation before proceeding. This prevents sending money to the wrong person.

## Step 2: Initiate the Transfer

Once verified, send the transfer:

```bash theme={null}
POST /v1/transfer/initiate
```

```json theme={null}
{
  "amount": 5000,
  "bank_code": "058",
  "account_number": "0264341458",
  "reference": "payout_abc123"
}
```

**Key fields:**

* `amount` — Amount in kobo (5000 = ₦50)
* `bank_code` — The recipient's bank code (from `/v1/banks`)
* `account_number` — 10-digit account number
* `reference` — Your unique identifier for this transfer

The response confirms the transfer was initiated:

```json theme={null}
{
  "status": "success",
  "data": {
    "reference": "glyde_ref_550e8400",
    "merchant_reference": "payout_abc123",
    "amount": 5000,
    "status": "pending",
    "fee": 25
  }
}
```

## Transfer Lifecycle

| Status       | Meaning                         |
| ------------ | ------------------------------- |
| `pending`    | Transfer is being processed     |
| `successful` | Funds delivered to recipient    |
| `failed`     | Transfer could not be completed |

Most transfers complete within seconds, but some may take longer during bank maintenance windows or high-traffic periods.

## Webhook Notification

When the transfer completes, you'll receive a webhook:

```json theme={null}
{
  "event": "transfer.success",
  "data": {
    "reference": "glyde_ref_550e8400",
    "merchant_reference": "payout_abc123",
    "amount": 5000,
    "status": "successful",
    "fee": 25
  }
}
```

For failed transfers:

```json theme={null}
{
  "event": "transfer.failed",
  "data": {
    "reference": "glyde_ref_550e8400",
    "merchant_reference": "payout_abc123",
    "status": "failed",
    "failure_reason": "Account frozen"
  }
}
```

## Common Errors

| Error                  | Cause                    | Solution                         |
| ---------------------- | ------------------------ | -------------------------------- |
| Insufficient funds     | Wallet balance too low   | Fund your wallet before retrying |
| Duplicate reference    | Reference already used   | Generate a new unique reference  |
| Invalid bank code      | Bank code not recognized | Use codes from `/v1/banks`       |
| Account not found      | Account number invalid   | Verify the account first         |
| Webhook not configured | No webhook URL set       | Configure webhooks in dashboard  |

## Fees

Each transfer incurs a small fee deducted from your wallet. The fee is shown in the initiate response and webhook. Ensure your wallet balance covers both the transfer amount and the fee.

## Best Practices

1. **Always verify first** — Never skip account verification; it prevents costly mistakes
2. **Show confirmation UI** — Display the verified account name and ask users to confirm before sending
3. **Use unique references** — Generate references that help you trace transactions (e.g., `payout_{user_id}_{timestamp}`)
4. **Handle failures gracefully** — Not all transfers succeed; have a process for retrying or notifying affected users
5. **Monitor your balance** — Set up alerts when your wallet balance gets low