---
title: "Submit Send Request"
method: POST
path: "/send"
---

# Submit Send Request

`POST /send`

Submit a send request. This will lock in a rate and await approval.

## Request body

- object
  - `channelId` string — The identifier of the specific channel to execute payment through
  - `sequenceId` string, required — Represents a unique id for the transaction from your end
  - `amount` integer — Amount in USD to transact
  - `localAmount` integer — The amount in local currency to transact
  - `reason` string, required — The reason for the withdrawal. See guide for supported payment reasons
  - `sender` object, required — Sender KYC details
    - `name` string — Sender's Full Name. Required only if `customerType` is retail.
    - `country` string — Sender's country in ISO 3166. Required only if `customerType` is retail.
    - `phone` string — Sender's Phone Number in E.164 format.
    - `address` string — Sender's Address. Required only if `customerType` is retail.
    - `dob` string — Sender's DOB (mm/dd/yyyy). Required only if `customerType` is retail.
    - `email` string — Sender's Email Address. Required only for certain channels that require sender email.
    - `idNumber` string — Sender's national ID number. Required only if `customerType` is retail.
    - `idType` string — Type of ID. Required only if `customerType` is retail.
    - `businessId` string — Sender business id. Required only if `customerType` is institution.
    - `businessName` string — Sender business id. Required only if `customerType` is institution.
    - `additionalIdType` string — Sender's additional ID type. Required only if `customerType` is retail and sender country is Nigeria
    - `additionalIdNumber` string — Sender's additional ID number. Required only if `customerType` is retail and sender country is Nigeria
  - `destination` object, required — Destination and Recipient Details
    - `accountNumber` string, required — Destination account number
    - `accountType` 'bank' | 'momo', required — Account type
    - `networkId` string, required — Network ID
    - `accountBank` string
    - `networkName` string
    - `country` string
    - `accountName` string, required
    - `phoneNumber` string
    - `branch` string — Bank Branch Name. This is in the code field in the network
    - `branchCode` string — Bank branch code. This is in the code field in the network
  - `forceAccept` true | false, required — Specify whether or not you want to skip the accept payment step
  - `customerType` 'retail' | 'institution', required — Determines the type of validation that is performed on the sender. If value is `institution`, the sender request object will be validated to ensure it includes `businessName` and `businessId` parameter. If the value is `retail`, the sender request object will be validated to ensure it includes `name`, `phone`, `email`, `country`, `address`, `dob`, `idNumber` and `idType`.
  - `customerUID` string, required — Unique identifier for the customer
  - `channelType` 'momo' | 'bank'
  - `country` string — Country ISO 3166 code e.g. NG, KE, CI. This field is only required when using `channelType`
  - `currency` string — Currency code e.g. NGN, KES, XAF, XOF. This field is only required when using `channelType`
  - `directSettlement` boolean
  - `settlementInfo` object — Only required when `directSettlement` is true
    - `cryptoCurrency` string — USDT, USDC, CUSD, etc
    - `cryptoNetwork` string — SOL, ERC20, TRC20, etc
    - `cryptoAmount` number — Amount of crypto to send
    - `refundAddress` string

## Response `200`

200

- object
  - `id` string
  - `channelId` string
  - `sequenceId` string
  - `currency` string
  - `country` string
  - `amount` integer
  - `reason` string
  - `convertedAmount` integer
  - `status` string
  - `rate` integer
  - `sender` object
    - `name` string
    - `country` string
    - `phone` string
    - `address` string
    - `dob` string
    - `email` string
    - `idNumber` string
    - `idType` string
  - `destination` object
    - `accountName` string
    - `accountNumber` string
    - `accountType` string
    - `networkId` string
  - `createdAt` string
  - `updatedAt` string
  - `expiresAt` string

## Other responses

- `400` — 400

---

[API](https://skmtc.net/yellowcard/apis/yellow-cards-payment-api.md) · [All operations](https://skmtc.net/yellowcard/apis/yellow-cards-payment-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/yellowcard/yellow-cards-payment-api/versions/516d251059cc/schema)