curl --request POST \
  --url https://api.tandapay.io/api/b2b/fiat/deposit/bank-transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 50000,
  "currency": "KES",
  "email": "accounts@customer.co.ke",
  "externalReference": "inv_2026_0193"
}
'

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    amount: 50000,
    currency: 'KES',
    email: 'accounts@customer.co.ke',
    externalReference: 'inv_2026_0193'
  })
};

fetch('https://api.tandapay.io/api/b2b/fiat/deposit/bank-transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.tandapay.io/api/b2b/fiat/deposit/bank-transfer"

payload = {
    "amount": 50000,
    "currency": "KES",
    "email": "accounts@customer.co.ke",
    "externalReference": "inv_2026_0193"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.tandapay.io/api/b2b/fiat/deposit/bank-transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 50000,
    'currency' => 'KES',
    'email' => 'accounts@customer.co.ke',
    'externalReference' => 'inv_2026_0193'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

{
  "success": true,
  "message": "Virtual account created successfully.",
  "data": {
    "transactionId": "aB3dE5fG7hJ9kL1mN2pQ",
    "virtualAccount": {
      "permanent": false,
      "accountNumber": "1234567890",
      "bankName": "Example Bank Kenya",
      "amount": "50000",
      "createdAt": "2026-10-28T09:00:00.000Z",
      "expiresAt": "2026-10-28T11:00:00.000Z",
      "note": "Transfer the exact amount before the account expires.",
      "bankLogo": "https://example.com/bank-logo.png"
    }
  }
}

{
  "success": false,
  "message": "Unauthorized"
}

{
  "success": false,
  "message": "Duplicate external reference",
  "errorCode": "DUPLICATE_EXTERNAL_REFERENCE"
}