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

# Fund wallet

> Initiate a payment to fund your wallet

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.

```json theme={null}
{
    "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`.

```json theme={null}
{
    "status": "success",
    "message": "Payment initiated successfully. Complete payment to fund your wallet.",
    "data": {
        "paymentMethod": "bank_transfer",
        "reference": "GETXN_FI_WX6FLTAVVNVGWG_PMCKDU_1",
        "email": "wilpat45677@yopmail.com",
        "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
    }
}
```

## After the payment

The payer comes back to your `redirectUrl` with the outcome appended as query parameters:

```
?status=successful&tx_ref=GETXN_FI_WX6FLTAVVNVGWG&transaction_id=10459445
?status=cancelled&tx_ref=GETXN_FI_KGBW0Y3O2W2GNN
```

That `status` travels through the browser, so treat it as a hint. Take the `tx_ref` and call
[`GET api/transactions/{reference}`](https://getequity.io/docs/api-reference/endpoint/Transactions/get-transaction) for the
real outcome, and to know whether the wallet has been credited yet.


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