Create Transaction - Afriex Business API

Afriex SDK

TypeScript

const transaction = await afriex.transactions.create({
  customerId: "customer-id",
  sourceAmount: "10",
  destinationAmount: "5000",
  sourceCurrency: "USD",
  destinationCurrency: "NGN",
  destinationId: "payment-method-id",
  meta: {
    idempotencyKey: "unique-key-123",
    reference: "order-456",
    narration: "Payment for services",
  },
});

curl --request POST \
  --url https://sandbox.api.afriex.com/api/v1/transaction \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "customerId": "69528240ba52c13b669fb239",
  "type": "WITHDRAW",
  "destinationAmount": 5000,
  "sourceCurrency": "USD",
  "destinationCurrency": "NGN",
  "destinationId": "690df3281c11eea59108fcaf",
  "meta": {
    "reference": "ref-withdraw-001",
    "idempotencyKey": "idem-withdraw-001"
  }
}
'

import requests

url = "https://sandbox.api.afriex.com/api/v1/transaction"

payload = {
    "customerId": "69528240ba52c13b669fb239",
    "type": "WITHDRAW",
    "destinationAmount": 5000,
    "sourceCurrency": "USD",
    "destinationCurrency": "NGN",
    "destinationId": "690df3281c11eea59108fcaf",
    "meta": {
        "reference": "ref-withdraw-001",
        "idempotencyKey": "idem-withdraw-001"
    }
}
headers = {
    "x-api-key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    customerId: '69528240ba52c13b669fb239',
    type: 'WITHDRAW',
    destinationAmount: 5000,
    sourceCurrency: 'USD',
    destinationCurrency: 'NGN',
    destinationId: '690df3281c11eea59108fcaf',
    meta: {reference: 'ref-withdraw-001', idempotencyKey: 'idem-withdraw-001'}
  })
};

fetch('https://sandbox.api.afriex.com/api/v1/transaction', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://sandbox.api.afriex.com/api/v1/transaction",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customerId' => '69528240ba52c13b669fb239',
    'type' => 'WITHDRAW',
    'destinationAmount' => 5000,
    'sourceCurrency' => 'USD',
    'destinationCurrency' => 'NGN',
    'destinationId' => '690df3281c11eea59108fcaf',
    'meta' => [
        'reference' => 'ref-withdraw-001',
        'idempotencyKey' => 'idem-withdraw-001'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-api-key: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
    "fmt"
    "strings"
    "net/http"
    "io"
)

func main() {

url := "https://sandbox.api.afriex.com/api/v1/transaction"

payload := strings.NewReader("{\n  \"customerId\": \"69528240ba52c13b669fb239\",\n  \"type\": \"WITHDRAW\",\n  \"destinationAmount\": 5000,\n  \"sourceCurrency\": \"USD\",\n  \"destinationCurrency\": \"NGN\",\n  \"destinationId\": \"690df3281c11eea59108fcaf\",\n  \"meta\": {\n    \"reference\": \"ref-withdraw-001\",\n    \"idempotencyKey\": \"idem-withdraw-001\"\n  }\n}")

req, _ := http.NewRequest("POST", url, payload)

req.Header.Add("x-api-key", "<api-key>")
    req.Header.Add("Content-Type", "application/json")

res, _ := http.DefaultClient.Do(req)

defer res.Body.Close()
    body, _ := io.ReadAll(res.Body)

fmt.Println(string(body))
}

HttpResponse<String> response = Unirest.post("https://sandbox.api.afriex.com/api/v1/transaction")
  .header("x-api-key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"69528240ba52c13b669fb239\",\n  \"type\": \"WITHDRAW\",\n  \"destinationAmount\": 5000,\n  \"sourceCurrency\": \"USD\",\n  \"destinationCurrency\": \"NGN\",\n  \"destinationId\": \"690df3281c11eea59108fcaf\",\n  \"meta\": {\n    \"reference\": \"ref-withdraw-001\",\n    \"idempotencyKey\": \"idem-withdraw-001\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sandbox.api.afriex.com/api/v1/transaction")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"69528240ba52c13b669fb239\",\n  \"type\": \"WITHDRAW\",\n  \"destinationAmount\": 5000,\n  \"sourceCurrency\": \"USD\",\n  \"destinationCurrency\": \"NGN\",\n  \"destinationId\": \"690df3281c11eea59108fcaf\",\n  \"meta\": {\n    \"reference\": \"ref-withdraw-001\",\n    \"idempotencyKey\": \"idem-withdraw-001\"\n  }\n}"

response = http.request(request)
puts response.read_body

Response Example

{
  "data": {
    "status": "PENDING",
    "type": "WITHDRAW",
    "channel": "BANK_ACCOUNT",
    "sourceAmount": "3.28847",
    "sourceCurrency": "USD",
    "destinationAmount": "5000",
    "destinationCurrency": "NGN",
    "destinationId": "690df3281c11eea59108fcaf",
    "customerId": "69528240ba52c13b669fb239",
    "transactionId": "69d60071ab82306f11b03393",
    "meta": {
      "reference": "ref-withdraw-001",
      "idempotencyKey": "idem-withdraw-001"
    },
    "createdAt": "2026-04-08T07:14:57.444Z",
    "updatedAt": "2026-04-08T07:14:57.444Z"
  }
}

Description

Create a new transaction to process a payment for a customer. Use type: WITHDRAW to send funds to a destination payment method (requires destinationId), type: DEPOSIT to pull funds from a source payment method (requires sourceId), or type: SWAP to convert funds between currencies within the Afriex wallet. A SWAP requires sourceCurrency, destinationCurrency, meta, and exactly one of sourceAmount or destinationAmount: the API computes the other side at the live exchange rate. Providing both amounts is rejected.

Testing in sandbox? Sandbox transactions settle automatically within ~1-2 minutes and send the TRANSACTION.UPDATED webhook. Set meta.reference to a value containing fail to test a FAILED outcome, or any other value for SUCCESS. To exercise OTP-required deposits, add SIMULATE_OTP to meta.reference and complete with Authorize Transaction. See Testing transaction outcomes in sandbox.

Authorizations

Static business API key issued from the dashboard. A business can provision multiple API keys, each scoped to a configurable set of permissions (e.g. read transactions, create deposits, etc). Permissions may be revoked by deleting the key.

Headers

Body