Bank Transfer API Documentation

API Overview

The Bank Transfer API allows you to integrate bank transfer capabilities into your applications. With this API, you can:

• Initiate bank transfers to various accounts
• Check user account details and verification status
• Verify transaction limits based on user account tier
• Track daily transfer totals

The API supports multiple currencies including NGN (Nigerian Naira), KES (Kenyan Shilling), and GHS (Ghanaian Cedi).

Base URL

Response Format

All API responses are returned in JSON format with a consistent structure:

{
    "success": true|false,
    "message": "Response message",
    "data": { ... }, // On success
    "error": "Error message", // On failure
    "code": "HTTP_STATUS_CODE"
}

Authentication

Our API uses Techvibes ID and token authentication. Include these in your request body:

{
    "techvibes_id": "your_techvibes_id",
    "token": "your_authentication_token"
}

To obtain your Techvibes ID and token, please contact our support team at support@techvibs.com.

API Endpoints

Get User Details

Retrieve user account information, balance, verification status, and transaction limits.

Request Parameters

Initiate Transfer

Initiate a bank transfer to a specified account.

Request Parameters

Response

{
    "success": true,
    "message": "Transfer initiated successfully",
    "reference": "ref_68c22bde3c5a1880 (CUS_494yom0zjbwc2iu)",
    "status": "pending",
    "budpay_response": {
        "server_response": {
            "success": true,
            "server_message": "Transfer successfully logged and Processing",
            "final_reference": "ref_68c22bde3c5a1880 (CUS_494yom0zjbwc2iu)",
            "customer_id": "CUS_494yom0zjbwc2iu",
            "status": "pending"
        },
        "budpay_decoded_response": {
            "success": true,
            "message": "Transfer successfully logged and Processing",
            "data": {
                "reference": "ref_68c22bde3c5a1880 (CUS_494yom0zjbwc2iu)",
                "currency": "NGN",
                "amount": "9.00",
                "fee": "15",
                "bank_code": "000030",
                "bank_name": "PARALLEX BANK",
                "account_number": "1164162949",
                "status": "pending"
            }
        }
    },
    "user_details": {
        "customer_id": "CUS_494yom0zjbwc2iu",
        "remaining_balance": 3476823
    }
}

{
    "success": false,
    "error": "Insufficient funds",
    "code": 400,
    "details": {
        "current_balance": 1500.50,
        "requested_amount": 5000.00
    }
}

Code Examples

JavaScript Example

// Get user details
const getUserDetails = async (techvibesId, token, identifier) => {
    const response = await fetch('https://techvibs.com/bank/api_general/transfer_general.php', {
        method: 'POST',
        headers: {
            'Content-Type': 'application/json'
        },
        body: JSON.stringify({
            action: 'user_details',
            techvibes_id: techvibesId,
            token: token,
            identifier: identifier
        })
    });

    return await response.json();
};
// Initiate transfer
const initiateTransfer = async (transferData) => {
    const response = await fetch('https://techvibs.com/bank/api_general/transfer_general.php', {
        method: 'POST',
        headers: {
            'Content-Type': 'application/json'
        },
        body: JSON.stringify({
            action: 'transfer',
            ...transferData
        })
    });

    return await response.json();
};
// Usage example
const exampleTransfer = {
    techvibes_id: 'tvb12',
    token: 'your_token',
    identifier: '4050399880',
    currency: 'NGN',
    amount: 5000.00,
    bank_code: '000030',
    bank_name: 'PARALLEX BANK',
    account_number: '1164162949',
    narration: 'Test transfer',
    sender_name: 'Akinbolaji Allen'
};
initiateTransfer(exampleTransfer)
    .then(response => console.log(response))
    .catch(error => console.error(error));

PHP Example

// Get user details
$url = 'https://techvibs.com/bank/api_general/transfer_general.php';
$data = [
    'action' => 'user_details',
    'techvibes_id' => 'tvb12',
    'token' => 'your_token',
    'identifier' => '4050399880'
];
$options = [
    'http' => [
        'header'  => "Content-Type: application/json\r\n",
        'method'  => 'POST',
        'content' => json_encode($data),
    ],
];
$context  = stream_context_create($options);
$result = file_get_contents($url, false, $context);
$response = json_decode($result, true);
// Initiate transfer
$transferData = [
    'action' => 'transfer',
    'techvibes_id' => 'tvb12',
    'token' => 'your_token',
    'identifier' => '4050399880',
    'currency' => 'NGN',
    'amount' => 5000.00,
    'bank_code' => '000030',
    'bank_name' => 'PARALLEX BANK',
    'account_number' => '1164162949',
    'narration' => 'Test transfer',
    'sender_name' => 'Akinbolaji Allen'
];
$options = [
    'http' => [
        'header'  => "Content-Type: application/json\r\n",
        'method'  => 'POST',
        'content' => json_encode($transferData),
    ],
];
$context = stream_context_create($options);
$result = file_get_contents('https://techvibs.com/bank/api_general/transfer_general.php', false, $context);
$response = json_decode($result, true);

cURL Example

# Get user details
curl -X POST \
  https://techvibs.com/bank/api_general/transfer_general.php \
  -H 'Content-Type: application/json' \
  -d '{
    "action": "user_details",
    "techvibes_id": "tvb12",
    "token": "your_token",
    "identifier": "4050399880"
  }'
# Initiate transfer
curl -X POST \
  https://techvibs.com/bank/api_general/transfer_general.php \
  -H 'Content-Type: application/json' \
  -d '{
    "action": "transfer",
    "techvibes_id": "tvb12",
    "token": "your_token",
    "identifier": "4050399880",
    "currency": "NGN",
    "amount": 5000.00,
    "bank_code": "000030",
    "bank_name": "PARALLEX BANK",
    "account_number": "1164162949",
    "narration": "Test transfer",
    "sender_name": "Akinbolaji Allen"
  }'

Account Tiers and Limits

User accounts are categorized into tiers based on verification status, which determines transaction limits: