# General Transfer

## Scope

This applies to scenarios where end users are making a transfer to:

1. M-PESA Mobile Money
2. AIRTEL Mobile Money
3. Choice Bank Account
4. Pesalink

{% hint style="info" %}
Pesalink Transfer has following limitations:

1. Dometic banks only
2. KES currency only
3. Maximum KES 999,999 per transaction
4. Some counter banks restrict Pesalink service to business hours

<mark style="background-color:blue;">**Recommendations for Alternative Use Cases**</mark>

1. Large/Urgent Transfers → Prioritize RTGS for immediate, high-value settlements.
2. ​Cross-Border Payments → Utilize SWIFT or mobile money corridors (e.g., M-PESA Global).
3. ​After-Hours Transactions → Leverage M-PESA for 24/7 liquidity.
4. ​Bulk Corporate Payments → Integrate with bank APIs or dedicated bulk payment platforms.
   {% endhint %}

## Steps

{% stepper %}
{% step %}

### Initiate Transfer Request

Call endpoint `/trans/v2/applyForTransfer` to initiate a transfer request

Status: `1-SUBMITTED`
{% endstep %}

{% step %}

### Confirm OTP

Call endpoint `/common/sendOtp` to request for OTP, filling the value of `txId` to `businessId` parameter. Call endpoint `/common/confirmOperation` to confirm the OTP code received.

Status: `2-PROCESSING`

{% hint style="info" %}
The endpoint `/common/sendOtp` can also be used to resend OTP.
{% endhint %}
{% endstep %}

{% step %}

### Transaction Processing

Status: `2-PROCESSING`&#x20;
{% endstep %}

{% step %}

### Get Onboarding Result

* Get it from `0002 - Transaction Result Notification`
* Query transaction status by calling the endpoint `/query/getTransResult`
  {% endstep %}
  {% endstepper %}

## Status

<figure><img src="/files/rfGTu4e5N3lHb1pI1VUu" alt=""><figcaption></figcaption></figure>

## Transaction Types

<table><thead><tr><th width="218">Transaction Type (txType)</th><th>Description</th></tr></thead><tbody><tr><td>TTID0001</td><td>Withdraw to M-PESA</td></tr><tr><td>TTID0002</td><td>Transfer Out</td></tr><tr><td>TTID0003</td><td>Transfer In</td></tr><tr><td>TTID0004</td><td>Interest Income</td></tr><tr><td>TTID0005</td><td>M-PESA Paybill / Till</td></tr><tr><td>TTID0006</td><td>Utility Payment</td></tr><tr><td>TTID0007</td><td>Refund</td></tr><tr><td>TTID0008</td><td>FCY Deposit</td></tr><tr><td>TTID0009</td><td>FCY Transfer Out</td></tr><tr><td>TTID0010</td><td>FCY Exchange</td></tr><tr><td>TTID0011</td><td>Reversal</td></tr><tr><td>TTID0023</td><td>Cash Deposit</td></tr><tr><td>TTID0024</td><td>Cash Withdrawal</td></tr></tbody></table>

## Transaction Status

<table><thead><tr><th width="217.199951171875">Transaction Status</th><th>Definition</th></tr></thead><tbody><tr><td>-1</td><td>Time-out  (Transaction initiated but failed to validate in time)</td></tr><tr><td>1</td><td>Pending</td></tr><tr><td>2</td><td>Processing</td></tr><tr><td>4</td><td>Failed</td></tr><tr><td>8</td><td>Success</td></tr></tbody></table>


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