Send Money

API To send Money to Money to Mobile, Banks, Cards and PayPal Accounts.

Overview

The Send Money functionality allows users to transfer money from their wallet to various destinations. Supported transaction types include:

• toBank: Transfer to a bank account.

• toMobileWallet: Transfer to a mobile wallet like M-Pesa.

• toPayPal: Transfer to a PayPal account.

• toVisaMasterCard: Transfer to a Visa or MasterCard account.

Each transaction is recorded with its own transaction ID, and the associated transaction cost is recorded separately, linked to the parent transaction for traceability.

---

Endpoint: Send Money

• Method: POST

• URL: /api/transactions/send-money

Request Body:

{
  "appId": "app123",
  "walletNumber": "AAA0705035022",
  "destination": {
    "type": "toMobileWallet",
    "accountNumber": "[phone]"
  },
  "amount": 1000,
  "description": "Payment for goods",
  "metadata": {
    "referenceId": "REF12345",
    "additionalInfo": "Invoice #9876"
  }
}

Request Body Fields:

Field	Type	Required	Description
appId	string	Yes	The app identifier from which the transaction originates.
walletNumber	string	Yes	The source wallet/account number.
destination.type	string	Yes	Type of destination (toBank, toMobileWallet, toPayPal, toVisaMasterCard).
destination.accountNumber	string	Yes	The destination account, such as a phone number, bank account, or PayPal ID.
amount	number	Yes	The amount to be sent.
description	string	No	A brief description of the transaction.
metadata	object	No	Optional metadata for custom fields (e.g., reference IDs, additional info).

---

Transaction Cost Record

Endpoint:

• Method: POST

• URL: /api/transaction-costs

Request Body:

{
  "parentTransactionId": "TRX123456",
  "appId": "app123",
  "walletNumber": "AAA0705035022",
  "destination": {
    "type": "toMobileWallet",
    "accountNumber": "[phone]"
  },
  "transactionCost": 15,
  "description": "Transaction cost for sending money"
}

Request Body Fields:

Field	Type	Required	Description
parentTransactionId	string	Yes	The ID of the parent transaction.
appId	string	Yes	The app identifier from which the transaction originates.
walletNumber	string	Yes	The source wallet/account number.
destination	object	Yes	Details of the destination (same as the parent transaction).
transactionCost	number	Yes	The transaction cost amount.
description	string	No	A brief description of the transaction cost.

---

Supported Transaction Types

Type	Description
toBank	Transfer money to a bank account.
toMobileWallet	Transfer money to a mobile wallet (e.g., M-Pesa).
toPayPal	Transfer money to a PayPal account.
toVisaMasterCard	Transfer money to a Visa or MasterCard account.

---

Response: Send Money

Success Response:

{
  "status": "success",
  "transactionId": "TRX123456",
  "transactionCostId": "COST123456",
  "message": "Money sent successfully.",
  "updatedBalance": 900
}

Error Response:

{
  "status": "error",
  "message": "Failed to process the transaction. Please try again."
}

---

Example Flow

1. Send Money Request:

   • A user initiates a transaction to send KES 1,000 to a PayPal account.

2. Transaction Processing:

   • The system creates a parent transaction record (e.g., TRX123456) with all details.

   • Simultaneously, it calculates the transaction cost (e.g., KES 15) and creates a separate transaction cost record (COST123456) linked to TRX123456.

3. Database Linking:

   • Both records are stored, and the parentTransactionId in the cost record links them.