> ## Documentation Index > Fetch the complete documentation index at: https://docs.sarafa.ss/llms.txt > Use this file to discover all available pages before exploring further. # Create transfer > Transfers funds from the authenticated account to a mobile money destination or another Sarafa account. ## OpenAPI ````yaml /openapi.json post /v3/transfer openapi: 3.1.0 info: title: Sarafa Merchant API summary: Enterprise API for Sarafa merchants. description: >- The Sarafa Merchant API is mounted under `/v3` and authenticated with a merchant API secret. version: 0.1.0 servers: - url: https://serviceapi.sarafa.ss description: Production security: - ApiKeyAuth: [] tags: - name: Profile - name: Wallets - name: Money movement - name: Transactions - name: Rates paths: /v3/transfer: post: tags: - Money movement summary: Create transfer description: >- Transfers funds from the authenticated account to a mobile money destination or another Sarafa account. operationId: createTransfer parameters: - $ref: '#/components/parameters/EnvironmentHeader' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/TransferRequest' examples: mobileQuote: summary: Mobile transfer quote value: currency: USD amount: 10 destination: mobile destination_currency: KES account_number: '+254700000000' external_reference: trf-001 callback_url: https://merchant.example/webhooks quote: true mobileExecution: summary: Mobile transfer execution value: currency: USD amount: 10 destination: mobile destination_currency: KES account_number: '+254700000000' external_reference: trf-002 callback_url: https://merchant.example/webhooks quote: false sarafaExecution: summary: Sarafa transfer execution value: currency: SSP amount: 1000 destination: sarafa account_number: '6020260000001' external_reference: trf-003 callback_url: https://merchant.example/webhooks quote: false responses: '200': description: Quote, mobile transfer transaction, or Sarafa transfer legs. content: application/json: schema: oneOf: - $ref: '#/components/schemas/QuoteResponse' - $ref: '#/components/schemas/TransactionResponse' - $ref: '#/components/schemas/TransferLegsResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/Forbidden' '404': $ref: '#/components/responses/NotFound' '409': $ref: '#/components/responses/Conflict' '500': $ref: '#/components/responses/ServerError' callbacks: transferPending: '{$request.body#/callback_url}': post: summary: Transfer pending callback requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/TransferPendingCallback' responses: '200': description: Callback accepted. method: post type: path path: '{$request.body#/callback_url}' components: parameters: EnvironmentHeader: name: environment in: header required: false description: Target environment. Defaults to `production` when omitted. schema: type: string enum: - production - sandbox default: production schemas: TransferRequest: type: object additionalProperties: false required: - currency - amount - destination - account_number - external_reference - callback_url properties: currency: $ref: '#/components/schemas/SarafaTransferCurrency' amount: $ref: '#/components/schemas/Amount' destination: type: string enum: - mobile - sarafa destination_currency: $ref: '#/components/schemas/MobileTransferCurrency' account_number: type: string minLength: 3 maxLength: 64 description: >- Phone number for mobile transfers or Sarafa account number for Sarafa transfers. external_reference: $ref: '#/components/schemas/ExternalReference' callback_url: $ref: '#/components/schemas/CallbackUrl' quote: type: boolean default: true QuoteResponse: type: object required: - status - data properties: status: type: string enum: - success data: type: object required: - quote properties: quote: $ref: '#/components/schemas/Quote' TransactionResponse: type: object required: - status - data properties: status: type: string enum: - success data: $ref: '#/components/schemas/Transaction' TransferLegsResponse: type: object required: - status - data properties: status: type: string enum: - success data: type: object required: - debit - credit properties: debit: $ref: '#/components/schemas/Transaction' credit: $ref: '#/components/schemas/Transaction' TransferPendingCallback: type: object required: - event - status - data properties: event: type: string enum: - transfer.pending status: type: string enum: - pending data: $ref: '#/components/schemas/Transaction' example: event: transfer.pending status: pending data: product: disburse_mobile status: processing external_reference: trf-001 SarafaTransferCurrency: type: string enum: - USD - SSP Amount: type: number exclusiveMinimum: 0 maximum: 1000000000 MobileTransferCurrency: type: string enum: - UGX - KES - SSP ExternalReference: type: string minLength: 3 maxLength: 120 pattern: ^[A-Za-z0-9._:-]+$ CallbackUrl: type: string format: uri maxLength: 500 Quote: type: object required: - from_currency - to_currency - amount - rate - fee - platform_fee - receive_amount - quoted_at properties: from_currency: $ref: '#/components/schemas/Currency' to_currency: $ref: '#/components/schemas/Currency' amount: type: number rate: type: number fee: type: number platform_fee: type: number receive_amount: type: number deposit_currency: $ref: '#/components/schemas/Currency' deposit_amount: type: number quoted_at: type: string format: date-time Transaction: type: object required: - total_amount - total_fee - product - description - status - created_at - updated_at - completed_at - external_reference - customer_meta properties: total_amount: type: number total_fee: type: number product: type: string examples: - collect_mobile - disburse_mobile description: type: - string - 'null' status: $ref: '#/components/schemas/Status' created_at: type: string format: date-time updated_at: type: string format: date-time completed_at: type: - string - 'null' format: date-time external_reference: type: - string - 'null' customer_meta: type: - object - 'null' additionalProperties: true ErrorResponse: type: object required: - status - message properties: status: type: string enum: - error message: type: string Currency: type: string enum: - USD - SSP - UGX - KES - NGN - USDT - USDC Status: type: string examples: - pending - processing - completed - failed responses: BadRequest: description: >- Invalid request data, unsupported currency, unsupported pair, or invalid phone number. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error message: Invalid request data Unauthorized: description: Missing or invalid API key. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: missingApiKey: value: status: error message: API key is required invalidApiKey: value: status: error message: Invalid API key Forbidden: description: Organization or account context could not be resolved. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error message: Organization account not found NotFound: description: Requested wallet or resource was not found. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error message: Wallet not found Conflict: description: '`external_reference` already exists.' content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error message: External reference already exists ServerError: description: Unexpected server error. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: status: error message: Something went wrong. Request could not be processed securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-api-key description: Merchant API secret. ````