---
title: "POST /v1/global-payout/transfer/authorize"
method: POST
path: "/v1/global-payout/transfer/authorize"
---

# POST /v1/global-payout/transfer/authorize

`POST /v1/global-payout/transfer/authorize`

Initiate and authorize a cross-border transfer. Manages the complete transfer lifecycle from initiation to final authorization. Supports BANK, MobileMoney, INTERAC, FASTER_PAYMENTS, SEPA, ACH, and WIRE payment methods.

## Headers

- `Authorization` string, required
- `accountId` string, required

## Request body

- object
  - `amount` number, required
  - `sourceCurrency` string, required
  - `destinationCurrency` string, required
  - `receiverName` string, required
  - `sourceCountryIsoCode` string, required
  - `destinationCountryIsoCode` string, required
  - `paymentMethod` 'BANK' | 'MobileMoney' | 'INTERAC' | 'FASTER_PAYMENTS' | 'SEPA' | 'ACH' | 'WIRE', required — Payment rail. Determines which additional fields are required. Use Fetch Payment Methods with code or name to get method-specific requirements.
  - `accountNumber` string — Account number, IBAN, or phone number for MobileMoney. Required for BANK, MobileMoney, FASTER_PAYMENTS, SEPA.
  - `institutionCode` string — Routing code. Bank code from /bank/providers for BANK (DRC). Sort code for FASTER_PAYMENTS, SWIFT/BIC for SEPA, institution number for BANK (Canada).
  - `institutionName` string — Bank or provider display name. Use displayName from List Institution Providers.
  - `accountType` 'INDIVIDUAL' | 'CORPORATE', required — Required account type of the recipient. Select one of the values returned in accountTypes from Fetch Payment Methods. ACH supports only INDIVIDUAL; WIRE supports INDIVIDUAL and CORPORATE.
  - `bankAccountType` 'CHECKING' | 'SAVINGS' — Recipient bank account type. Required for ACH and WIRE. Select one of the values returned in bankAccountTypes from Fetch Payment Methods.
  - `purposeOfPayment` string — Reason for the transfer. Required for ACH, WIRE, and SEPA. Select one of the values returned in purposeOfPayments from Fetch Payment Methods; do not send arbitrary text.
  - `narration` string
  - `lockedExchangeRateId` string — Optional locked exchange rate ID from Convert Money. Use this when you want to lock the exchange rate and destination amount before authorizing.
  - `bankAddress` string — Bank street address. Required for United States WIRE.
  - `bankCity` string — Bank city. Required for United States WIRE.
  - `bankState` string — Bank state. Required for United States WIRE.
  - `bankZipCode` string — Bank ZIP code. Required for United States WIRE.
  - `beneficiary` object — Required for INTERAC; partially required for BANK (Canada).
    - `beneficiaryEmail` string
    - `securityQuestion` string
    - `securityQuestionAnswer` string
    - `transitNumber` string — Bank transit number (Canada only).
    - `beneficiaryAddress` string
    - `beneficiaryCity` string
    - `beneficiaryState` string
    - `beneficiaryPostCode` string

## Response `200`

Transfer authorized successfully.

- object
  - `code` string
  - `description` string
  - `data` object
    - `wtTransactionId` string — Unique GlobalPayout transaction ID. Use to track via Fetch Transaction.
    - `coreTransactionId` string
    - `status` 'PROCESSING' | 'COMPLETED' | 'FAILED' | 'PENDING'
    - `coreStatus` string
    - `type` string
    - `prettyStatus` string
    - `meta` object — Transaction metadata including currency details, amounts, and routing info.
      - `source_amount` string
      - `destination_amount` string
      - `source_currency` string
      - `destination_currency` string
      - `amount_charged` string
      - `currency_pair_name` string
      - `payment_method` string
      - `destination_country` string
      - `destination_country_name` string
      - `source_country` string
      - `narration` string
      - `trade_side` string
      - `spread_amount` string
      - `spread_currency` string
      - `wt_transaction_id` string
      - `trade_context` string
      - `transactionCategory` string
      - `payment_destination_type` string
      - `tradeType` string

---

[API](https://skmtc.net/nomba/apis/vendor-api.md) · [All operations](https://skmtc.net/nomba/apis/vendor-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/nomba/vendor-api/revisions/41727ac9be5f/schema)