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Send money transfers using multiple payment methods. This guide covers how to send payments and track their status.

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Sending a Payment

Send a payment by specifying the payment method and recipient details in info. Example for a bank transfer: 
curl -X POST https://api.platnova.com/v1/payments/send \
  -H "X-API-KEY: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "from_amount": 500.00,
    "from_wallet_id": "wl_your_wallet_id",
    "to_currency": "NGN",
    "payment_method": "bank_transfer",
    "info": {
      "account_number": "0123456789",
      "bank_code": "058",
      "account_name": "Jane Smith"
    },
    "reference": "PAY001",
    "payment_type": { "type": "instant" }
  }'

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Payment Parameters

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Required Fields

  • from_amount – Amount to send (source currency)
  • from_wallet_id – Wallet ID to debit from
  • to_currency – Destination currency (e.g. NGN, USD)
  • payment_method – One of: bank_transfer, card, mobile_money, wallet, tag_transfer, defi, revolut, paypal, cashapp, zelle
  • info – Recipient details; required fields depend on payment_method (e.g. for bank_transfer: account_number, bank_code, account_name; for tag_transfer: tag_id)

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Optional Fields

  • reference – Your payment reference for idempotency or tracking
  • payment_type – instant, scheduled, or recurring (default: instant)
  • is_save_to_beneficiary – Save recipient as beneficiary

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Payment Response

{
  "status": true,
  "data": {
    "transaction_id": "txn_123",
    "payment_reference": "PAY001",
    "amount": "500.00",
    "currency": "USD",
    "recipient_account_number": "1234567890",
    "recipient_name": "Jane Smith",
    "status": "processing",
    "created_at": "2025-01-30T10:00:00Z"
  },
  "message": "Payment initiated successfully"
}

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Payment Status

Payments are processed asynchronously. Status can be:
  • Processing - Payment is being processed
  • Success - Payment completed successfully
  • Failed - Payment failed (check error details)

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Verifying Payment Status

Check payment status using the transaction reference returned from send: 
curl -X POST https://api.platnova.com/v1/payments/verify \
  -H "X-API-KEY: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "ref": "UTR_xxxx"
  }'

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Payment Methods

The API supports multiple payment methods; pass payment_method and the matching info shape:
MethodDescriptionExample info fields
bank_transferBank transfers (NGN, USD, etc.); ACH, RTP, wire for USDaccount_number, bank_code, account_name
cardCard paymentsCard-specific recipient details
mobile_moneyMobile money (e.g. Ghana)Phone, provider, etc.
tag_transferWallet-to-wallet transfertag_id
walletWallet paymentsWallet identifier
defiDeFiAsset, network, address, etc.
revolutRevolutRevolut recipient details
paypalPayPalPayPal identifier
ussdUSSDUSSD channel details
cashappCash AppCash App identifier
zelleZelleZelle recipient details
Availability depends on currency and region. See the Send Payment API for the exact info fields per method.

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Payment Limits

Payment limits may apply based on:
  • Account tier
  • Currency
  • Payment method
  • Regulatory requirements

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Payment Fees

Fees may apply depending on:
  • Payment amount
  • Currency
  • Payment method
  • Destination country

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Best Practices

  • Verify recipient account details before sending
  • Include payment references for easy tracking
  • Monitor payment status regularly
  • Keep sufficient wallet balance
  • Handle failed payments appropriately

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Next Steps