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Wallet to Other Bank

With the wallet to other banks tranfers, customers can send money from sterling virtual account to various bank accounts.

1)For wallets with no sterling account in the bank, we credit the wallet but put a PND on the wallet which is restriction code 1 on the wallet core. Meaning the account can continue to receive funds but no debit can occur on the account similar to how its done on our T24 for normal Sterling accounts today.

2)Once a person goes to onebank to open account and account is activated, we will expose an API on Wallet end say LIFTRestriction which onebank will call to lift restriction on that account

3)Once the restiction is lifted process is fine and wallet is good to go

Request Body

Note

Serialize the request body, then encrypt (AES encryption) it using the provided key. The encryption requires a secret key and IV key which will be provided by the sterling team. Pass the encrypted string as the value of "Data" in the new request body. 

{
    "amt": "string",
    "toacct": "string",
    "frmacct": "string",
    "paymentRef": "string",
    "remarks": "string",
    "channelID": 0,
    "CURRENCYCODE": "string",
    "TransferType": 0,
    "PIN": "string",
    "NIPData": {
        "NESessionID": "string",
        "SessionID": "string",
        "ChannelCode": 0,
        "PaymentRef": "string",
        "Amount": 0,
        "Fee": 0,
        "Vat": 0,
        "BraCodeVal": "string",
        "CusNumVal": "string",
        "CurCodeVal": "string",
        "LedCodeVal": "string",
        "SubAcctVal": "string",
        "OrignatorName": "string",
        "DestinationBankCode": "string",
        "AccountName": "string",
        "AccountNumber": "string",
        "OriginatorAccountNumber": "string",
        "AccountLockID": "string",
        "AppID": 0,
        "OriginatorBankVerificationNumber": "string",
        "BeneficiaryBankVerificationNumber": "string",
        "BeneficiaryKYCLevel": "string",
        "OriginatorKYCLevel": "string"
    }
}

{
    "transferType":0,
    "senderAccountNumber":"7110011611",
    "amount":50.98,
    "availableBalance":20.67,
    "senderName":"David Mark",
    "narration":"test",
    "beneficiaryAccountName":"Kingsley Smith",
    "beneficiaryAccountNumber":"7110000009",
    "paymentReference":"82a42d9744e3456677",
    "senderBankCode":"000001",
    "destinationBankCode":"000001",
    "transactionDate":"2021-08-13T06:20:05.072Z"
}

EncryptedReq {
  "Data": "string"
}

curl -X POST https://pass.sterling.ng/OneBankWalletV3/api/Wallet/WalletToOtherBanks
-H 'Content-Type: application/json'

https://pass.sterling.ng/OneBankWalletV3/api/Wallet/WalletToOtherBanks

```JSON

{ "message": "Successfully Paid", "response": "00", "responsedata": request received", } ```

{
"Message": "An error has occurred."
}

Request Parameters

Parameter Type Description
amt string *required The amount that is to be transferred
toacct string *required The account number of the recieving customer
frmacct string *required The customer’s virtual account number/Wallet to debit
paymentRef string The customer's payment reference
remarks string *required Payment transfer remarks, e.g school fees, pocket money"
channelID string *required Channel identifier
CURRENCYCODE string *required Wallet currency code e.g., NGN
TransferType string *required Type of transfer,i.e., wallet to wallet or wallet to other banks
PIN string Transaction PIN
NOTE: To get NIPdata, use the /InterBankNameEnquiry method to make account verification and get a recievers bank account information from NIPS and also get the bank fee and VAT values using the /GetFeeAndVat method which you need to include in the NIPdata parameter.

To be able to send money to other banks the following NIP's data is reqired.

Parameter Type Description
NESessionID string *required Name enquiry season ID generated form /InterBankNameEnquiry method
SessionID string Session identification number
ChannelCode integer *required Channel Code
PaymentRef string The senders payment reference
Amount integer *required The sender amount to tranfer
Fee integer *required The transaction fee
Vat integer *required Value added tax
BraCodeVal string The Branch code Value
CusNumVal string The custmer number value is the Customer's ID
CurCodeVal string The currency transaction code i.e, NGN, USD...
OrignatorName string *required Name of originator i.e., The name of the sender
DestinationBankCode string *required The bank destination code
AccountName string *required Reciever's account name
AccountNumber string *required Reciever's account number
OriginatorAccountNumber string Account number of originator i.e., the sender
AccountLockID string The user's account lockID
AppID integer Application Identification
OriginatorBankVerificationNumber string Bank verification number of originator i.e., the sender
BeneficiaryBankVerificationNumber string Bank verification number of reciever
BeneficiaryKYCLevel string Beneficiary Know-Your-Customer Level
OriginatorKYCLevel string" The Sender's Know-Your-Customer Level