> ## Documentation Index
> Fetch the complete documentation index at: https://docs.primepay.mw/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfer to a merchant account

> Moves money from the account that owns the API key to one of your own accounts or another merchant's account. Instant and final. Needs a full secret key.

Guide: [limits and fees](/api-reference/transfers-overview#limits-and-fees) and [transfer errors](/api-reference/transfers-overview#transfer-errors).




## OpenAPI

````yaml /api-reference/openapi.yaml post /v1/transfers/merchant-account
openapi: 3.1.0
info:
  title: PrimePay API
  version: '1.0'
  description: >-
    Collect mobile money payments, send transfers and make payouts with the
    PrimePay API.
servers:
  - url: https://api.primepay.mw
    description: Live API (live keys, `sk_live_…`)
  - url: https://sandbox-api.primepay.mw
    description: Sandbox API (test keys, `sk_test_…`)
security:
  - bearerAuth: []
tags:
  - name: Operators
  - name: Payments
  - name: Refunds
  - name: Transfers
  - name: Payouts
  - name: Payment links
  - name: Checkout sessions
paths:
  /v1/transfers/merchant-account:
    post:
      tags:
        - Transfers
      summary: Transfer to a merchant account
      description: >
        Moves money from the account that owns the API key to one of your own
        accounts or another merchant's account. Instant and final. Needs a full
        secret key.


        Guide: [limits and
        fees](/api-reference/transfers-overview#limits-and-fees) and [transfer
        errors](/api-reference/transfers-overview#transfer-errors).
      operationId: createMerchantAccountTransfer
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - amount
                - currency
                - accountCode
                - recipientType
              properties:
                amount:
                  type: number
                  description: More than zero, at most 2 decimal places, within the limit.
                  example: 150000
                currency:
                  type: string
                  enum:
                    - MWK
                accountCode:
                  type: string
                  description: The receiving account's 8-digit code.
                  example: '12345678'
                recipientType:
                  type: string
                  enum:
                    - own_account
                    - other_merchant
                  description: >
                    `own_account` (one of your accounts) or `other_merchant`
                    (another business). **It must match the account**, or the
                    transfer is refused. This stops a mistyped code sending
                    money to a stranger.
                description:
                  type: string
                  maxLength: 140
                  description: Shown to both sides.
                  example: Supplier invoice 2041
      responses:
        '200':
          description: >-
            A repeat of the same transfer. The header `Idempotent-Replayed` is
            `true`.
          headers:
            Idempotent-Replayed:
              schema:
                type: string
                example: 'true'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
        '201':
          description: The transfer succeeded.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
              example:
                reference: TRF-1b7c4e0d9a2f4f6b8c3e5a7d9f1b3c5e
                type: merchant_account
                status: success
                amount: 150000
                fee: 0
                currency: MWK
                description: Supplier invoice 2041
                recipient:
                  accountCode: '12345678'
                  accountName: Chikondi's Store
                createdAt: '2026-11-09T11:02:17Z'
        '400':
          $ref: '#/components/responses/Error'
        '403':
          $ref: '#/components/responses/Error'
        '404':
          $ref: '#/components/responses/Error'
        '409':
          $ref: '#/components/responses/Error'
        '422':
          $ref: '#/components/responses/Error'
components:
  parameters:
    IdempotencyKey:
      name: Idempotency-Key
      in: header
      required: true
      schema:
        type: string
        maxLength: 64
        example: 3c9a7e1f2b6d4a8e9f0c1b2a3d4e5f60
      description: >
        A new value for every new request (a UUID is ideal), up to 64
        characters. If your request times out, send it again with the same key.
        The same key for a different request returns `422
        idempotency_key_reused`.
  schemas:
    Transfer:
      type: object
      properties:
        reference:
          type: string
        type:
          type: string
          enum:
            - merchant_account
            - wallet
        status:
          type: string
          example: success
        amount:
          type: number
        fee:
          type: number
        currency:
          type: string
          example: MWK
        description:
          type: string
        recipient:
          type: object
          description: >-
            `{ accountCode, accountName }` for a merchant account, `{ phone,
            name }` for a wallet.
          properties:
            accountCode:
              type: string
            accountName:
              type: string
            phone:
              type: string
            name:
              type: string
        createdAt:
          type: string
          format: date-time
    Error:
      type: object
      properties:
        error:
          type: object
          properties:
            code:
              type: string
              example: insufficient_funds
            message:
              type: string
              example: Not enough available balance for MWK 25,000.00.
            field:
              type: string
              description: >-
                Payment links only. The field that is missing or wrong, for
                example `items[1].unitAmount`.
  responses:
    Error:
      description: An error. Use `code` in your code; show `message` to people.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: >
        Your API key: `sk_live_…` / `sk_test_…` (secret), `pk_live_…` /
        `pk_test_…` (publishable, read-only reference data) or `rk_live_…` /
        `rk_test_…` (payments only).

````

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