> ## Documentation Index
> Fetch the complete documentation index at: https://api.tandapay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank transfer

> Create a temporary virtual account for one bank payment.

Walkthrough: [Bank transfer guide](https://api.tandapay.io/guides/collections/bank-transfer.md).


## OpenAPI

````yaml POST /api/b2b/fiat/deposit/bank-transfer
openapi: 3.1.0
info:
  title: Tanda API
  version: 1.0.0
  description: >-
    Collect and send KES payments in Kenya through M-PESA, Airtel Money and bank
    transfer.
servers:
  - url: https://api.tandapay.io
    description: Sandbox and production (your keys decide which)
security:
  - bearerAuth: []
tags:
  - name: Authentication
  - name: Account
  - name: Checkout
  - name: Collections
  - name: Payouts
  - name: Beneficiaries
  - name: Transactions
  - name: Reference data
  - name: Webhooks
paths:
  /api/b2b/fiat/deposit/bank-transfer:
    post:
      tags:
        - Collections
      summary: Bank transfer
      description: >-
        Creates a temporary virtual bank account for one payment. Show the
        account details to your customer; when they transfer the exact amount
        before `expiresAt`, the payment reconciles automatically.
      operationId: bank-transfer
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                amount:
                  type: integer
                  description: Exact amount the customer must transfer, in KES.
                  example: 50000
                currency:
                  type: string
                  description: ISO 4217 currency code. Tanda supports `KES`.
                  enum:
                    - KES
                  example: KES
                email:
                  type: string
                  description: Customer email.
                  example: accounts@customer.co.ke
                externalReference:
                  type: string
                  description: >-
                    Your unique ID for this transaction. Must be unique per
                    attempt; reuse returns `409 DUPLICATE_EXTERNAL_REFERENCE`.
                  example: order_10045
              required:
                - amount
                - currency
                - email
                - externalReference
            example:
              amount: 50000
              currency: KES
              email: accounts@customer.co.ke
              externalReference: inv_2026_0193
      responses:
        '200':
          description: Virtual account created.
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  message:
                    type: string
                  data:
                    type: object
                    properties:
                      transactionId:
                        type: string
                      virtualAccount:
                        $ref: '#/components/schemas/VirtualAccount'
              example:
                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
        '401':
          description: Missing, invalid or expired bearer token.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                success: false
                message: Unauthorized
        '409':
          description: '`externalReference` already used.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                success: false
                message: Duplicate external reference
                errorCode: DUPLICATE_EXTERNAL_REFERENCE
components:
  schemas:
    VirtualAccount:
      type: object
      properties:
        permanent:
          type: boolean
        accountNumber:
          type: string
        bankName:
          type: string
        amount:
          type: string
          description: Exact amount to transfer.
        createdAt:
          type: string
          format: date-time
        expiresAt:
          type: string
          description: After this time the account can't receive the payment.
          format: date-time
        note:
          type: string
        bankLogo:
          type: string
    Error:
      type: object
      properties:
        success:
          type: boolean
          example: false
        message:
          type: string
          description: Human-readable; may change.
        errorCode:
          type: string
          description: Stable code to branch on.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: Token from Generate bearer token.

````

This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.