Wallet-to-Wallet

Flutterwave enables you to transfer funds directly from your available balance to another Flutterwave merchant using wallet-to-wallet transfers. This feature allows you to make payouts from your preferred currency balance to the recipient’s balance in their chosen currency, supporting seamless cross-currency transactions within the Flutterwave ecosystem.

Prerequisites

• Whitelist your IP addresses.
• Ensure your balance has sufficient funds. You can fund your balance by one of the following methods:
  • Directly funding via collections.
  • Indirect funding by converting funds from a different currency balance (i.e., wallet-to-wallet transfers).

Payout Flow

Every successful wallet-to-wallet transfer follows a two-step process:

• Initiate Payout
• Verify Payout

Initiate Payout

🚧

Integration Method

This guide follows the direct transfer flow for demonstration. Please refer to the general transfer flow for the alternative integration method.

To initiate a wallet-to-wallet transfer, send a request to the create transfer endpoint with the following required parameters:

• action: Specifies how the transfer should be processed. Accepted values are instant, deferred, or scheduled.
• type: Specifies the type of transfer. Use "wallet" for wallet-to-wallet transfers.
• payment_instruction: An object containing details of the payment, including:
  • amount
  • currency (source_currency and destination_currency)
  • Recipient details, such as the payment provider, which is always flutterwave and the Flutterwave merchant identifier.

Sample Request

curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
  "action": "instant",
  "payment_instruction": {
    "source_currency": "NGN",
    "amount": {
      "applies_to": "destination_currency",
      "value": 100
    },
    "recipient": {
      "wallet": {
        "provider": "flutterwave",
        "identifier": "00118468"
      }
    },
    "destination_currency": "NGN"
  },
  "type": "wallet",
  "narration": "TESTING WALLET TRANSFERS",
  "reference": "KYERIREYI-JGSJSJGSDJ"
}'

🚧

Handling Identifier

The identifier field represents the recipient's merchant ID linked to their Flutterwave account. This number must always start with the country code.

You can also initiate scheduled or deferred wallet-to-wallet transfers by setting the action field to scheduled or deferred.

For scheduled transfers, include the disburse_option object in the request. This object defines when the transfer should be executed and must contain:

• date_time: The exact date and time to trigger the transfer.
• timezone: The timezone for the scheduled time.

Refer to the transfer overview for a complete walkthrough on creating and managing these transfer types.

💱

Handling International Transfers

To manage cross-currency payouts, refer to the managing currency section.

Handling the Response

When you successfully initiate a wallet-to-wallet transfer, the API returns a response similar to this:

{
   "status":"success",
   "message":"Transfer created",
   "data":{
      "id":"trf_KDLtJacafRur4K",
      "type":"wallet",
      "action":"instant",
      "reference":"KYERIREYI-JGSJSJGSDJ",
      "status":"NEW",
      "narration":"TESTING WALLET TRANSFERS",
      "source_currency":"NGN",
      "destination_currency":"NGN",
      "amount":{
         "value":100,
         "applies_to":"destination_currency"
      },
      "recipient":{
         "type":"wallet",
         "id":"rcw_Gf547Peqq5",
         "name":{
            "first":"Ajadi",
            "last":"Trailers & Co."
         },
         "currency":"NGN",
         "wallet":{
            "provider":"flutterwave",
            "identifier":"00118468"
         }
      },
      "meta":{},
      "created_datetime":"2025-06-04T21:47:16.417Z"
   }
}

Thedata.status field in the response will always return NEW upon initiating a transfer. This indicates that the transfer has been successfully initiated, but not yet completed. To determine the final status, you must verify the payout.

Verify Payout

There are three ways to verify the final status of a wallet-to-wallet transfer:

Webhooks (Recommended):
Enable webhooks on your Flutterwave dashboard to receive automatic transfer status updates.
When the transfer completes (or fails), Flutterwave will send a POST request to your configured webhook URL with the transfer details.

{
   "webhook_id":"wbk_T1n3neXA7Wn52mnOIDBI",
   "timestamp":1749073636445,
   "type":"transfer.disburse",
   "data":{
      "id":"trf_KDLtJacafRur4K",
      "type":"WALLET",
      "source_currency":"NGN",
      "destination_currency":"NGN",
      "amount":100,
      "reference":"KYERIREYI-JGSJSJGSDJii",
      "status":"SUCCESSFUL",
      "wallet":{
         "provider":"flutterwave",
         "identifier":"00118468"
      },
      "fee":{
         "currency":"NGN",
         "value":1
      },
      "debit_information":{
         "currency":"NGN",
         "actual_debit_amount":100,
         "rate_used":0.00123,
         "vat":7.5
      },
      "payment_information":{
         "proof":"489483145598277415954270427727"
      },
      "meta":{}
   }
}

Callback
If you included a callback_url in your transfer request, Flutterwave will send a POST request to that URL once the transfer completes or fails.
This behaves similarly to webhooks but is specific to each transfer.

Query Payout Status

To manually check the status of a transfer:

1. Use the id value from the data.id field in the transfer initiation response.
2. Send a GET request to the retrieve a transfer endpoint, passing the id as a path parameter.

This is useful for polling or verifying status in systems where webhooks or callbacks are not used.

curl --request GET \
--url 'https://api.flutterwave.cloud/developersandbox/transfers/id' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \

You'll get a response like this:

{
  "status": "success",
  "message": "Transfer fetched",
  "data": {
    "id": "trf_TovqwXP5McNbwI",
    "type": "wallet",
    "action": "instant",
    "reference": "KYERIREYI-JGSJSJGSDJ",
    "status": "NEW",
    "narration": "TESTING WALLET TRANSFERS",
    "source_currency": "NGN",
    "destination_currency": "NGN",
    "amount": {
      "value": 100,
      "applies_to": "destination_currency"
    },
    "recipient": {
      "type": "wallet",
      "currency": "NGN",
      "wallet": {
        "provider": "flutterwave",
        "identifier": "00118468"
      },
      "id": "rcw_MZGa8LPctK"
    },
    "meta": {},
    "created_datetime": "2024-12-11T08:57:49.040Z"
  }
}

{
   "status":"failed",
   "error":{
      "type":"TRANSFER_NOT_FOUND",
      "code":"301404",
      "message":"Transfer not found",
      "validation_errors":[
         
      ]
   }
}

Intra-Wallet Transfers

The wallet-to-wallet transfer feature also supports transferring funds between different currency balances within the same Flutterwave account, known as intra-wallet transfers. This allows for seamless movement of funds across multiple currency balances tied to a single account.

The request format for an intra-wallet transfer is similar to a standard wallet-to-wallet transfer, with a few key differences:

• Set your own Flutterwave merchant ID as the identifier.
• Specify:
  • source_currency: The currency balance to debit.
  • destination_currency: The target currency balance to credit.

This functionality is especially useful for internal FX conversion or operational fund rebalancing.

Testing Mobile Money Transfers

Check out the testing section to learn how to simulate various transfer scenarios.