Send to bank

POST/payment-api/send/bank

Debits your wallet for the amount plus the transfer fee and submits the payout to a bank account. The account name is resolved on our side before the transfer is submitted. Transfers settle asynchronously: the final outcome is delivered to your callback URL.

Only whitelisted IPs may call this endpoint (403 otherwise).
If the transfer fails after acceptance, the webhook reports status failed and the debit (amount plus fee) is refunded to your wallet.

Parameters

amountdecimalrequired
Amount in GHS, minimum 0.50, up to your account transfer limit.
account_numberstringrequired
Recipient bank account number.
bank_idstringrequired
From List banks.
account_namestringoptional
Optional label; the verified name is used for the transfer.
client_referencestringrequired
Your unique reference, 12 to 36 characters.
callback_urlstringoptional
HTTPS URL that receives the webhook when the transfer reaches success or failed.

Field	Type	Required	Description
`amount`	decimal	required	Amount in GHS, minimum 0.50, up to your account transfer limit.
`account_number`	string	required	Recipient bank account number.
`bank_id`	string	required	From List banks.
`account_name`	string	optional	Optional label; the verified name is used for the transfer.
`client_reference`	string	required	Your unique reference, 12 to 36 characters.
`callback_url`	string	optional	HTTPS URL that receives the webhook when the transfer reaches success or failed.

Errors

400Insufficient wallet balance
400Transaction failed. Refund issued.
403Access denied. Your IP address(x.x.x.x) is not whitelisted.

Request

curl -X POST "https://api.bulkclix.com/api/v1/payment-api/send/bank" \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  -d '{
  "amount": 500,
  "account_number": "1021234567890",
  "bank_id": "3c4d5e6f-7a8b-4c9d-8e0f-1a2b3c4d5e6f",
  "client_reference": "ORDER-2026-000123",
  "callback_url": "https://example.com/webhooks/bulkclix"
}'

Response · 200

application/json

{
  "message": "Sent Successfully",
  "data": {
    "client_reference": "ORDER-2026-000123",
    "transaction_id": "839201746512",
    "amount": "500.00",
    "charges": 5,
    "channel": "bank",
    "account_number": "1021234567890",
    "account_name": "AMA MENSAH"
  }
}

Webhook · POST to your callback_url

application/json

{
  "amount": "500.00",
  "charges": "5.00",
  "status": "success",
  "transaction_id": "ORDER-2026-000123",
  "ext_transaction_id": "839201746512"
}