Transfer between accounts (PG or cross-channel)

curl --request POST \
  --url https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-PARTNER-ID: <api-key>' \
  --data '
{
  "amount": 500000,
  "beneficiary_channel": "KYC",
  "beneficiary_account_number": "123456789012",
  "beneficiary_account_id": null,
  "merchant_ref_no": "MOVE-20260702-001"
}
'

import requests

url = "https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer"

payload = {
    "amount": 500000,
    "beneficiary_channel": "KYC",
    "beneficiary_account_number": "123456789012",
    "beneficiary_account_id": None,
    "merchant_ref_no": "MOVE-20260702-001"
}
headers = {
    "Authorization": "Bearer <token>",
    "X-PARTNER-ID": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {
    Authorization: 'Bearer <token>',
    'X-PARTNER-ID': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 500000,
    beneficiary_channel: 'KYC',
    beneficiary_account_number: '123456789012',
    beneficiary_account_id: null,
    merchant_ref_no: 'MOVE-20260702-001'
  })
};

fetch('https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/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' => 500000,
    'beneficiary_channel' => 'KYC',
    'beneficiary_account_number' => '123456789012',
    'beneficiary_account_id' => null,
    'merchant_ref_no' => 'MOVE-20260702-001'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "X-PARTNER-ID: <api-key>"
  ],
]);

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

curl_close($curl);

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

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer"

	payload := strings.NewReader("{\n  \"amount\": 500000,\n  \"beneficiary_channel\": \"KYC\",\n  \"beneficiary_account_number\": \"123456789012\",\n  \"beneficiary_account_id\": null,\n  \"merchant_ref_no\": \"MOVE-20260702-001\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("X-PARTNER-ID", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer")
  .header("Authorization", "Bearer <token>")
  .header("X-PARTNER-ID", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 500000,\n  \"beneficiary_channel\": \"KYC\",\n  \"beneficiary_account_number\": \"123456789012\",\n  \"beneficiary_account_id\": null,\n  \"merchant_ref_no\": \"MOVE-20260702-001\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["X-PARTNER-ID"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 500000,\n  \"beneficiary_channel\": \"KYC\",\n  \"beneficiary_account_number\": \"123456789012\",\n  \"beneficiary_account_id\": null,\n  \"merchant_ref_no\": \"MOVE-20260702-001\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "success": true,
  "data": {
    "transaction_id": "12301AM20240609120000123",
    "merchant_ref_no": "MOVE-20260702-001",
    "status": "success",
    "remitter_channel": "PG",
    "beneficiary_channel": "KYC",
    "amount": {
      "currency": "IDR",
      "value": "500000"
    },
    "remitter": {
      "account_id": "<string>",
      "account_name": "<string>",
      "account_number": "<string>",
      "balance_after": "<string>"
    },
    "beneficiary": {
      "account_id": "<string>",
      "account_name": "<string>",
      "account_number": "<string>",
      "balance_after": "<string>"
    },
    "processed_timestamp": "1717920000123",
    "created_at": "1717920000456"
  },
  "pagination": {}
}

{
  "status": 401,
  "success": false,
  "error": {
    "code": 401,
    "message": "Unauthorized merchant, please sign in"
  }
}

{
  "status": 403,
  "success": false,
  "error": {
    "code": 403,
    "message": "Access denied."
  }
}

{
  "status": 404,
  "success": false,
  "error": {
    "code": 404,
    "message": "Account not found."
  }
}

{
  "status": 422,
  "success": false,
  "error": {
    "code": 422,
    "message": "Validation error.",
    "errors": {
      "field": [
        "error message"
      ]
    }
  },
  "data": {
    "errors": {
      "field": [
        "error message"
      ]
    }
  }
}

{
  "status": 422,
  "success": false,
  "error": {
    "code": 422,
    "message": "Validation error.",
    "errors": {
      "field": [
        "error message"
      ]
    }
  },
  "data": {
    "errors": {
      "field": [
        "error message"
      ]
    }
  }
}

{
  "status": 500,
  "success": false,
  "error": {
    "code": 500,
    "message": "Internal server error."
  }
}

Account Balance Transfer

Transfer between accounts (PG or cross-channel)

Transfers funds from the given PG account (remitter) to a beneficiary under the same merchant. Compatible-extend contract: omit beneficiary_channel (or set PG) and pass beneficiary_account_number for intra-PG movement; set beneficiary_channel=KYC to credit the merchant KYC credit-pool (Shanghai §6.7 + IVS local TRANSFER_CREDIT, no MONEY_IN). BILLER is reserved. Requires request signature headers (verify.signature-internal).

Idempotency: send an optional merchant_ref_no unique per merchant. If a value already used by the same merchant is submitted again, the original transfer is returned (HTTP 200) and no new movement is created — regardless of which of the merchant’s accounts is the remitter. If merchant_ref_no is omitted or empty, the platform auto-generates a unique reference (format AM-<timestamp>-<random>) and returns it in the response.

POST

api

v1.0

account-transfer

{account_id}

transfer

Transfer between accounts (PG or cross-channel)

curl --request POST \
  --url https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-PARTNER-ID: <api-key>' \
  --data '
{
  "amount": 500000,
  "beneficiary_channel": "KYC",
  "beneficiary_account_number": "123456789012",
  "beneficiary_account_id": null,
  "merchant_ref_no": "MOVE-20260702-001"
}
'

import requests

url = "https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer"

payload = {
    "amount": 500000,
    "beneficiary_channel": "KYC",
    "beneficiary_account_number": "123456789012",
    "beneficiary_account_id": None,
    "merchant_ref_no": "MOVE-20260702-001"
}
headers = {
    "Authorization": "Bearer <token>",
    "X-PARTNER-ID": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {
    Authorization: 'Bearer <token>',
    'X-PARTNER-ID': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 500000,
    beneficiary_channel: 'KYC',
    beneficiary_account_number: '123456789012',
    beneficiary_account_id: null,
    merchant_ref_no: 'MOVE-20260702-001'
  })
};

fetch('https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/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' => 500000,
    'beneficiary_channel' => 'KYC',
    'beneficiary_account_number' => '123456789012',
    'beneficiary_account_id' => null,
    'merchant_ref_no' => 'MOVE-20260702-001'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "X-PARTNER-ID: <api-key>"
  ],
]);

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

curl_close($curl);

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

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer"

	payload := strings.NewReader("{\n  \"amount\": 500000,\n  \"beneficiary_channel\": \"KYC\",\n  \"beneficiary_account_number\": \"123456789012\",\n  \"beneficiary_account_id\": null,\n  \"merchant_ref_no\": \"MOVE-20260702-001\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("X-PARTNER-ID", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer")
  .header("Authorization", "Bearer <token>")
  .header("X-PARTNER-ID", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 500000,\n  \"beneficiary_channel\": \"KYC\",\n  \"beneficiary_account_number\": \"123456789012\",\n  \"beneficiary_account_id\": null,\n  \"merchant_ref_no\": \"MOVE-20260702-001\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox-payment-b2b.singapay.id/api/v1.0/account-transfer/{account_id}/transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["X-PARTNER-ID"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 500000,\n  \"beneficiary_channel\": \"KYC\",\n  \"beneficiary_account_number\": \"123456789012\",\n  \"beneficiary_account_id\": null,\n  \"merchant_ref_no\": \"MOVE-20260702-001\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "success": true,
  "data": {
    "transaction_id": "12301AM20240609120000123",
    "merchant_ref_no": "MOVE-20260702-001",
    "status": "success",
    "remitter_channel": "PG",
    "beneficiary_channel": "KYC",
    "amount": {
      "currency": "IDR",
      "value": "500000"
    },
    "remitter": {
      "account_id": "<string>",
      "account_name": "<string>",
      "account_number": "<string>",
      "balance_after": "<string>"
    },
    "beneficiary": {
      "account_id": "<string>",
      "account_name": "<string>",
      "account_number": "<string>",
      "balance_after": "<string>"
    },
    "processed_timestamp": "1717920000123",
    "created_at": "1717920000456"
  },
  "pagination": {}
}

{
  "status": 401,
  "success": false,
  "error": {
    "code": 401,
    "message": "Unauthorized merchant, please sign in"
  }
}

{
  "status": 403,
  "success": false,
  "error": {
    "code": 403,
    "message": "Access denied."
  }
}

{
  "status": 404,
  "success": false,
  "error": {
    "code": 404,
    "message": "Account not found."
  }
}

{
  "status": 422,
  "success": false,
  "error": {
    "code": 422,
    "message": "Validation error.",
    "errors": {
      "field": [
        "error message"
      ]
    }
  },
  "data": {
    "errors": {
      "field": [
        "error message"
      ]
    }
  }
}

{
  "status": 422,
  "success": false,
  "error": {
    "code": 422,
    "message": "Validation error.",
    "errors": {
      "field": [
        "error message"
      ]
    }
  },
  "data": {
    "errors": {
      "field": [
        "error message"
      ]
    }
  }
}

{
  "status": 500,
  "success": false,
  "error": {
    "code": 500,
    "message": "Internal server error."
  }
}

Authorizations

Authorization

string

header

required

JWT issued by POST /api/v1.1/access-token/b2b. Send Authorization: Bearer <token>.

X-PARTNER-ID

string

header

required

Merchant API key (Credential.api_key). Required on every request.

Path Parameters

account_id

string

required

ULID of the source (remitter) PG account.

Body

application/json

Compatible-extend contract: PG→PG still uses beneficiary_account_number. Cross-channel (KYC / future BILLER) sets beneficiary_channel and omits the PG account number. Optional beneficiary_account_id is reserved for multi-pool peer products.

amount

number<float>

required

Transfer amount in IDR. Must be at least 1 and not exceed the remitter account available balance.

Example:

500000

beneficiary_channel

enum<string> | null

Destination product channel. Omit or PG for intra-PG movement. KYC credits the merchant KYC credit-pool. BILLER reserved until biller Shanghai provisioning.

Available options:

PG,

KYC,

BILLER

Example:

"KYC"

beneficiary_account_number

string | null

Required when beneficiary_channel is PG (or omitted). 12-digit PG account number of the destination account; must belong to the same merchant and be active.

Example:

"123456789012"

beneficiary_account_id

string | null

Optional peer-product account selector. Unused for KYC today (one pool per merchant). Reserved for future multi-pool / BILLER.

Example:

null

merchant_ref_no

string | null

Optional merchant-supplied idempotency reference. Unique per merchant across all account movements: reusing a value already used by the same merchant returns the original transfer (HTTP 200) without creating a duplicate. If omitted or empty, the platform auto-generates a unique reference (format AM-<timestamp>-<random>) and returns it in the response — a generated reference is unique per request and therefore provides no replay protection. A different merchant may reuse the same value.

Maximum string length: 191

Example:

"MOVE-20260702-001"

Response

Transfer completed successfully. The data object contains the created transfer record.

Standard success response envelope for account transfer endpoints.

status

integer

Example:

200

success

boolean

Example:

true

data

object

Account transfer transaction resource.

Show child attributes

pagination

object | null

Pagination metadata for list endpoints; omitted for single-object responses.

Getting Started

Security

Accept Money

Send Money

Transaction Records

Money Accounts

Webhook

Transfer between accounts (PG or cross-channel)

Authorizations

Path Parameters

Body

Response