> For the complete documentation index, see [llms.txt](https://investec.gitbook.io/programmable-banking-community-wiki/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://investec.gitbook.io/programmable-banking-community-wiki/get-started/api-quick-start-guide/how-to-make-a-payment.md). # How to make transfers and payments {% embed url="" %} The **Account information API** also allows you to perform actions against their account programmatically (not just read-only). This includes transferring money between your accounts and paying money to beneficiaries. {% hint style="info" %} Transfers and payments are currently only available for 🏦 Private Banking account holders. {% endhint %} ## **Using Postman** If you’re new to APIs and want to get familiar with using the endpoints, we recommend you create a Postman account (it's free) and use the Postman collections provided to test things out. {% hint style="info" %} [**Investec Programmable Banking Postman Collection**](https://www.postman.com/investec-open-api/programmable-banking/overview) {% endhint %} ### 1. Make a transfer 1. [Retrieve a list of your accounts and their accountIDs](https://investec.gitbook.io/programmable-banking-community-wiki/get-started/api-quick-start-guide/pages/CT2Wq9KWR1mLM4lzqWi0#id-1.-get-your-accounts-and-account-id-with-postman) 2. Take note of the **accountID** that you would like to make the transfer to. 3. Head over to the "Variables" table to insert your **accountID - this is the account from which you would like to make the transfer.** You can also set it under the Params tab on the query page. 4. Navigate to the **Accounts folder** and **POST transfer multiple query.** 5. Navigate to the **Body** tab and enter a value into each field. Here you will see that each transfer is defined by four key fields 1. **beneficiaryAccountID -** this is the account where the funds will transfer to 2. **amount** - the amount to pay in ZAR 3. **myReference** - reference displayed on your transaction description 4. **theirReference** - reference displayed on the recipient's statement ```json { "transferList": [ { "beneficiaryAccountId": "3353431574710166878182963", "amount": "10", "myReference": "API transfer", "theirReference": "API transfer" } ] } ``` 6. Hit **Send** to make a call to the API endpoint. 
https://openapi.investec.com//za/pb/v1/accounts/:accountId/transfermultiple
### 2. Make a payment {% hint style="info" %} **You can only make programmatic payments to beneficiaries that have been created and paid at least once before from your account with regular online banking.** {% endhint %} 1. Ensure you have [authenticated](/programmable-banking-community-wiki/get-started/api-quick-start-guide/how-to-authenticate.md) and pasted in your bearer token into the "Variables" tables. 2. Retrieve your list of beneficiaries by navigating to the **Beneficiaries** folder and the **GET Beneficiaries query**. 3. Hit **Send** to make a call to the API endpoint (no additional parameters need to be set). ``` https://openapi.investec.com/za/pb/v1/accounts/beneficiaries ``` 4. Take note of the **beneficiaryID** of the beneficiary that you would like to make the payment to.
Example response for 🏦 Private Banking ```json { "data": [ { "beneficiaryId": "LOREMIPSUMDOLOR=", "accountNumber": "1234567890", "code": "123456", "bank": "ACME CORP", "beneficiaryName": "Jane Smith", "lastPaymentAmount": "1.00", "lastPaymentDate": "10/01/2023", "cellNo": null, "emailAddress": null, "name": "Jane Smith", "referenceAccountNumber": "LOREM IPSUM DOLOR", "referenceName": "LOREM IPSUM", "categoryId": "112233445566", "profileId": "77889900" }, ], "links": { "self": "https://openapi.investec.com/za/pb/v1/accounts/beneficiaries" }, "meta": { "totalPages": 1 } } ```
{% hint style="info" %} Payment notifications will go out to the listed "cellNo" and "emailaddress" of the beneficiary. If these are null, then no notification will be sent. {% endhint %} 5. Head over to the "Variables" table to insert your **accountID - this is the account from which you would like to make the payment.** You can also set it under the Params tab on the query page. 6. Navigate to the **Beneficiaries** folder and the **POST Beneficiary payment query.** The endpoint can receive an array list of payments and is therefore able to process multiple payments at one point. 7. Navigate to the **Body** tab and enter a value into each field. Here you will see that each payment is defined by four key fields 1. **beneficiaryID -** this is the account to which you want to make the payment 2. **amount** - the amount to pay in ZAR 3. **myReference** - reference displayed on your transaction description 4. **theirReference** - reference displayed on the recipient's statement ```json { "paymentsList": [ { "beneficiaryId": "01234567890", "amount": "10", "myReference": "API transfer", "theirReference": "API transfer" } ] } ``` 8. Hit **Send** to make a call to the API endpoint. ``` https://openapi.investec.com/za/pb/v1/accounts/{accountId}/paymultiple ``` ## cURL code snippets #### Get beneficiaries ``` curl --location 'https://openapi.investec.com/za/pb/v1/accounts/beneficiaries' \ --header 'Accept: application/json' \ --header 'Content-Type: application/json' ``` #### Get beneficiary categories ``` curl --location 'https://openapi.investec.com/za/pb/v1/accounts/beneficiarycategories' \ --header 'Accept: application/json' \ --header 'Content-Type: application/json' ``` #### **Make a transfer** ``` curl --location 'https://openapi.investec.com/za/pb/v1/accounts//transfermultiple' \ --header 'Accept: application/json' \ --header 'Content-Type: application/json' \ --data '{ "transferList": [ { "beneficiaryAccountId": "3353431574710166878182963", "amount": "10", "myReference": "API transfer", "theirReference": "API transfer" } ] }' ``` #### Make a payment ``` curl --location 'https://openapi.investec.com/za/pb/v1/accounts//paymultiple' \ --header 'Accept: application/json' \ --header 'Content-Type: application/json' \ --data '{ "paymentList": [ { "beneficiaryId": "{{beneficiaryId}}", "amount": "10", "myReference": "API demo", "theirReference": "API demo2" } ] }' ```