> ## 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.

# Transfers

> Create merchant transfers.

Use transfers to send money from your merchant wallet.

## Endpoint

`POST /v3/transfer`

## Required fields

| Field                  | Description                                                  |
| ---------------------- | ------------------------------------------------------------ |
| `currency`             | Source wallet currency.                                      |
| `amount`               | Amount to send.                                              |
| `destination`          | Use `mobile` or `sarafa`.                                    |
| `destination_currency` | Required for mobile money transfers.                         |
| `account_number`       | Destination phone number or Sarafa account number.           |
| `external_reference`   | Unique reference from your system.                           |
| `callback_url`         | URL that should receive status callbacks.                    |
| `quote`                | Set `true` to quote only, or `false` to create the transfer. |

## Mobile money transfer quote

```bash theme={null}
curl https://serviceapi.sarafa.ss/v3/transfer \
  -H "x-api-key: YOUR_API_KEY" \
  -H "environment: sandbox" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "USD",
    "amount": 25,
    "destination": "mobile",
    "destination_currency": "KES",
    "account_number": "+254700000000",
    "external_reference": "payout-1001",
    "callback_url": "https://example.com/sarafa/callback",
    "quote": true
  }'
```

## Create the transfer

Send the request with `quote: false` after your customer or operations team accepts the quote.

For transfers to another Sarafa account, use `destination: "sarafa"` and the recipient account number.