Fund wallet

Initiate a payment to fund your wallet

POST api/wallet/fund

{
    "amount": 1000000,
    "currency": "NGN",
    "redirectUrl": "https://google.com",
    "paymentMethod": "bank_transfer"
}

{
    "status": "success",
    "message": "Payment initiated successfully. Complete payment to fund your wallet.",
    "data": {
        "paymentMethod": "bank_transfer",
        "reference": "GETXN_FI_WX6FLTAVVNVGWG_PMCKDU_1",
        "email": "[e-mail]",
        "virtualAccount": {
            "bankName": "Mock Bank",
            "accountNumber": "0067100155",
            "amount": "1002000.00",
            "note": "Mock note",
            "expiresAt": "2026-07-04 12:32:36 PM"
        },
        "amountToPay": 1002000,
        "amount": 1000000,
        "currency": "NGN",
        "fees": {
            "flutterwave": 2000,
            "total": 2000
        },
        "totalCharge": 1002000
    }
}

Initiates a payment to fund your wallet. The wallet is credited with amount, while the payer is charged totalCharge (amount plus the processor fee).

When paymentMethod is bank_transfer and currency is NGN, the response returns a virtual account to transfer to. For every other payment method, the response returns a Flutterwave payment link to complete the payment.

{
    "amount": 1000000,
    "currency": "NGN",
    "redirectUrl": "https://google.com",
    "paymentMethod": "bank_transfer"
}

amount · integer · required

The amount to credit to the wallet.

currency · string · required

The funding currency. One of NGN, USD, KES, GHS, ZAR, GBP, EUR.

redirectUrl · string

URL to redirect to after payment. Required unless paymentMethod is bank_transfer.

paymentMethod · string · required

The payment method to use. One of card, bank_transfer, ussd, mobilemoney.

{
    "status": "success",
    "message": "Payment initiated successfully. Complete payment to fund your wallet.",
    "data": {
        "paymentMethod": "bank_transfer",
        "reference": "GETXN_FI_WX6FLTAVVNVGWG_PMCKDU_1",
        "email": "[e-mail]",
        "virtualAccount": {
            "bankName": "Mock Bank",
            "accountNumber": "0067100155",
            "amount": "1002000.00",
            "note": "Mock note",
            "expiresAt": "2026-07-04 12:32:36 PM"
        },
        "amountToPay": 1002000,
        "amount": 1000000,
        "currency": "NGN",
        "fees": {
            "flutterwave": 2000,
            "total": 2000
        },
        "totalCharge": 1002000
    }
}