Bank Transfers

You can send a money to any commercial bank in Nigeria from your Gladefinance account.

The steps for transferring money are

Fetch list of banks
Verify account number
Make transfer

Gladefinance offers the option of single bank transfer and multiple bank transfers (bulk transfer).

List Of Banks

To get the list of supported banks which you can make transfers. You'll need to make a PUT request to this endpoint.

Use the endpoint below
https://api-sandbox.gladefinance.co/resources

You'll need to pass a request body inquire with the value as banks

The Request

{"inquire": "banks"}

The Response

{
    "000014": "ACCESS BANK",
    "100013": "ACCESS MOBILE",
    "090133": "AL-BARAKAH MICROFINANCE BANK",
    "090116": "AMML MICROFINANCE BANK",
    "090001": "ASO SAVINGS"
}

The response is a set of key value pairs. Where the keys are the bankcodes and the values are the bank names.
For example the bank code for Access Bank as seen from the response is 000014.

Verify Account Name

It is recommended that bank account names be verified before initiating a transfer. This is to ensure the accuracy of the recipient details.

You can verify an account name, use the endpoint below. You'll need to make a PUT request to this endpoint.
https://api-sandbox.gladefinance.co/resources

You'll need to pass a request body inquire with the value as accountname.

The Request

The bankcode is gotten from the list of banks

{
  "inquire": "accountname", 
  "accountnumber": "0040000009",
  "bankcode": "000014"
}

The Response

{
  "status":"success",
  "resolved":true,
  "data":
  	{"account_name":"John Doe"}
}

Make Transfer (Single Transfer)

After verifying the account name, it is time to initiate a transfer. You'll need to make a PUT request to this endpoint.

Use the endpoint https://demo.api.gladefinance.co/disburse

The Request

{
  "action":"transfer",
  "amount": "100",
  "bankcode":"000014", 
  "accountnumber":"0040000008",
  "sender_name": "John Doe",
  "narration": "Upkeep",
  "orderRef":"TX00001"
}

🚧
Note
The orderRef would have to be unique for all your bank transfers as duplicate orderRef will throw an error.

The Response

{
  "action":"transfer",
  "amount": "100",
  "bankcode":"058", 
  "accountnumber":"0040000008",
  "sender_name": "John Doe",
  "narration": "Upkeep",
  "orderRef":"TX00001"
}

Verify Single Transfer

To verify the transaction status of a single transfer, use the orderRef which you generated while initiating the transfer. You'll need to make a PUT request to this endpoint.

The endpoint is https://api-sandbox.gladefinance.co/disburse

The Request

{
  "action":"verify",
  "txnRef":"TX00001"
}

The Response

{
  "status": 200,
  "txnStatus": "successful",
  "message": "Transfer Successful"
}

🚧
Note
txnStatus determines the status of the transaction if it is successful, failed or pending

Multiple Bank Transfers (Bulk Transfers)

You can send transfer money to multiple bank accounts using Gladefinance bulk transfer feature.

The list recipients will be contained in an array of objects as seen the request format below

The Request

{
  "action":"transfer",
  "type": "bulk",
  "data": [
    {
        "amount": "100",
        "bankcode":"058", 
        "accountnumber":"0040000008",
        "sender_name": "John Doe",
        "narration": "First transaction recipient",
        "orderRef": "TX00001"
    },{
        "amount": "150",
        "bankcode":"058", 
        "accountnumber":"0040000009",
        "sender_name": "Jane White",
        "narration": "Second transaction recipient",
        "orderRef": "TX00002"
    }    
  ]
}

The Response

{
    "status": 200,
    "txnRef": "Glade|BLT|16432815|620e7f024094C",
    "message": "Bulk transfer successful"
}

The txnRef here is the bulk transfer reference.

The initial transaction status for a bulk transfer is pending. After a few seconds or minutes those transactions are processed and each recipient detail becomes a new transaction. To get the status of each transaction you'll have to verify each transaction using the orderRef.

See the verify transaction endpoint