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POST
/
transactionmanagement
/
create-transaction
/
Create Transaction (Direct)
curl --request POST \
  --url https://{tenant}.fincode.software/api/v6/services/transactionmanagement/create-transaction/ \
  --header 'Content-Type: application/json' \
  --header 'X-Auth-Token: <x-auth-token>' \
  --header 'X-Idempotency-Key: <x-idempotency-key>' \
  --header 'ipAddress: <ipaddress>' \
  --header 'password: <password>' \
  --header 'platform: <platform>' \
  --header 'uuid: <uuid>' \
  --data '
{
  "amount": "24.240",
  "sendAmount": "7.000",
  "inclussive": true,
  "receivingCurrency": "NGN",
  "sendCurrency": "GBP",
  "type": "ACCOUNTPAYMENT",
  "creditParty": [
    {
      "key": "bankname",
      "value": "Anelik Bank CJSC"
    },
    {
      "key": "bankaccountno",
      "value": "87787786778"
    },
    {
      "key": "swiftbic",
      "value": "2345"
    },
    {
      "key": "bankcode",
      "value": ""
    },
    {
      "key": "branchcode",
      "value": null
    }
  ],
  "internationalTransferInformation": {
    "originCountry": "GBR",
    "receivingCountry": "NGA",
    "sourceOfFunds": "SAVINGS",
    "remittancePurpose": "GIFT",
    "relationshipSender": "<string>",
    "deliveryMethod": "directtoaccount"
  },
  "newSenderKyc": {
    "nationality": "Nigeria",
    "dateOfBirth": "2000-05-14",
    "occupation": "Software Engineer",
    "employerName": "TechWave Ltd",
    "contactPhone": "+2348071234667",
    "gender": "MALE",
    "CustomerType": "INDIVIDUAL",
    "emailAddress": "john.okafor@example.com",
    "birthCountry": "GBR",
    "idDocument": [
      {
        "idType": "PASSPORT",
        "idNumber": "A12345678",
        "issueDate": "10-02-2018T00:00:00.000",
        "expiryDate": "09-02-2028T00:00:00.000",
        "dateOfBirth": "14-05-1990T00:00:00.000",
        "issuer": "Nigeria Immigration Service",
        "issuerPlace": "Lagos",
        "issuerCountry": "NGA",
        "otherIdDescription": "<string>",
        "fileName": "Passport",
        "base64FileData": "<string>"
      }
    ],
    "postalAddressObject": {
      "addressLine1": "12 Adeola Odeku Street",
      "addressLine2": "Block A",
      "addressLine3": "Victoria Island",
      "city": "Lagos",
      "stateProvince": "Lagos State",
      "postalCode": "101241",
      "iso3country": "NGA"
    },
    "subjectNameObject": {
      "title": "Mr",
      "firstName": "John",
      "middleName": "Chinedu",
      "lastName": "Okafor",
      "fullName": "John Chinedu Okafor",
      "nativeName": "John C. Okafor"
    }
  },
  "newRecipientKyc": {
    "nationality": "Ghana",
    "dateOfBirth": "2000-09-21",
    "occupation": "Accountant",
    "employerName": "Golden Finance Ltd",
    "contactPhone": "+233245678901",
    "gender": "FEMALE",
    "CustomerType": "INDIVIDUAL",
    "emailAddress": "ama.mensah@example.com",
    "birthCountry": "NGA",
    "companyReg": "RC-458921",
    "idDocument": [
      {
        "idType": "NATIONAL_ID_CARD",
        "idNumber": "GF123456789",
        "issueDate": "15-01-2019T00:00:00.000",
        "expiryDate": "14-01-2029T00:00:00.000",
        "dateOfBirth": "21-09-1985T00:00:00.000",
        "issuer": "Registrar General",
        "issuerPlace": "Accra",
        "issuerCountry": "GHA",
        "otherIdDescription": "<string>",
        "fileName": "National Id Card",
        "base64FileData": "<string>"
      }
    ],
    "postalAddressObject": {
      "addressLine1": "14 Independence Avenue",
      "addressLine2": "Suite 10",
      "addressLine3": "Accra Central",
      "city": "Accra",
      "stateProvince": "Greater Accra",
      "postalCode": "GA-002-1234",
      "iso3country": "GHA"
    },
    "subjectName": {
      "title": "Ms",
      "firstName": "Ama",
      "middleName": "Serwaa",
      "lastName": "Mensah",
      "fullName": "Ama Serwaa Mensah",
      "nativeName": "Ama S. Mensah"
    }
  },
  "transactionProcessingMode": "NONE_AGGREGATION",
  "descriptionText": "<string>",
  "transactionModule": "REMITTANCE",
  "securityQuestion": "<string>",
  "securityAnswer": "<string>",
  "eligibleDocumentList": [
    {}
  ]
}
'

​
Transaction Only Flow

Initiates a new transaction where you provide the full KYC details for both the sender and the recipient within the transaction payload. This endpoint is ideal for integrations where you manage your own customer data and do not wish to sync it beforehand using the User Management APIs.

Headers

​
platform
string
default:fincode
required
​
uuid
string
default:200
required
​
X-Auth-Token
string
required
​
password
string
required
​
ipAddress
string
required
​
X-Idempotency-Key
string
required

Body

application/json
​
amount
string
required

The receive amount (what the recipient gets).

Example:

"24.240"

​
sendAmount
string
required

The send amount (what the sender pays, excluding fees).

Example:

"7.000"

​
inclussive
boolean
required

Whether fees are included in the send amount.

Example:

true

​
receivingCurrency
string
default:NGN
required

ISO 4217 currency code for the receiving currency.

​
sendCurrency
string
default:GBP
required

ISO 4217 currency code for the sending currency.

​
type
enum<string>
default:ACCOUNTPAYMENT
required

Transaction type. Use ACCOUNTPAYMENT for direct bank account transfers, CASHPICKUP for cash collection at a designated pickup point, or MOBILE_MONEY for delivery to a mobile wallet.

Available options:
ACCOUNTPAYMENT,
CASHPICKUP,
MOBILE_MONEY
​
creditParty
object[]
required

Key-value pairs describing the recipient's bank/account details.

Example:
[
  {
    "key": "bankname",
    "value": "Anelik Bank CJSC"
  },
  {
    "key": "bankaccountno",
    "value": "87787786778"
  },
  { "key": "swiftbic", "value": "2345" },
  { "key": "bankcode", "value": "" },
  { "key": "branchcode", "value": null }
]
​
internationalTransferInformation
object
required

Regulatory and routing information for the international transfer.

​
newSenderKyc
object
required

Full KYC profile for the sender.

​
newRecipientKyc
object
required

Full KYC profile for the recipient.

​
transactionProcessingMode
string
default:NONE_AGGREGATION

Aggregation mode for the transaction.

​
descriptionText
string

Optional free-text description or reference for the transaction.

​
transactionModule
string
default:REMITTANCE

Module under which the transaction is processed.

​
securityQuestion
string

Security question for cash pickup transactions. Leave empty for account payments.

​
securityAnswer
string

Answer to the security question. Leave empty for account payments.

​
eligibleDocumentList
object[]

List of eligible documents attached to this transaction. Pass an empty array if none.

Response

200

Transaction created