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

# Bank Transfer

> This endpoint allows you to create temporary virtual bank accounts for accepting payments.



## OpenAPI

````yaml POST /api/b2b/fiat/deposit/bank-transfer
openapi: 3.1.0
info:
  title: Zerocash API
  version: 1.0.0
  description: >-
    The Zerocash API lets you collect payments (charges) and disburse funds
    (payouts) across supported markets through a single, unified integration.
servers:
  - url: https://api.zerocash.tech
security:
  - bearerAuth: []
tags:
  - name: Authentication
    description: Obtain and manage API credentials.
  - name: Reference Data
    description: Look up countries, banks, operators, and rates before transacting.
  - name: Charges
    description: Collect payments from your customers.
  - name: Payouts
    description: Disburse funds to recipients.
  - name: Transactions
    description: Retrieve and reconcile transactions.
  - name: Webhooks
    description: Receive and replay real-time event notifications.
paths:
  /api/b2b/fiat/deposit/bank-transfer:
    post:
      tags:
        - Charges
      summary: Bank Transfer
      description: >-
        This endpoint allows you to create temporary virtual bank accounts for
        accepting payments.
      operationId: bank-transfer
      requestBody:
        content:
          application/json:
            schema:
              type: object
              required:
                - amount
                - email
                - externalReference
                - currency
              properties:
                amount:
                  type: integer
                  description: The amount to be paid to the virtual account
                  format: int32
                email:
                  type: string
                  description: The email belonging to the user being charged
                externalReference:
                  type: string
                  description: >-
                    A unique ID of your liking to reconcile transactions
                    internally.
                currency:
                  type: string
                  description: e.g KES, NGN
            examples:
              Request Example:
                value:
                  amount: 1000
                  email: clark.kent@gmail.com
                  externalReference: sfmdhfdbcbdjbmxz
                  currency: NGN
      responses:
        '200':
          description: '200'
          content:
            application/json:
              examples:
                Result:
                  value:
                    success: true
                    message: Account created successfully.
                    data:
                      transactionId: BFiR6ISntYyii9h1GUe6
                      virtualAccount:
                        permanent: false
                        accountNumber: '1250837235'
                        bankName: 78 Finance Company limited (Bank78)
                        createdAt: '2025-09-05T20:35:21+00:00'
                        expiresAt: '2025-09-05T22:35:21.205979Z'
                        note: >-
                          Please make a bank transfer to 78 Finance Company
                          limited (Bank78)
                        amount: '150'
                        bankLogo: https://test.com
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                    example: true
                    default: true
                  message:
                    type: string
                    example: Account created successfully.
                  data:
                    type: object
                    properties:
                      transactionId:
                        type: string
                        example: BFiR6ISntYyii9h1GUe6
                      virtualAccount:
                        type: object
                        properties:
                          permanent:
                            type: boolean
                            example: false
                            default: true
                          accountNumber:
                            type: string
                            example: '1250837235'
                          bankName:
                            type: string
                            example: 78 Finance Company limited (Bank78)
                          createdAt:
                            type: string
                            example: '2025-09-05T20:35:21+00:00'
                          expiresAt:
                            type: string
                            example: '2025-09-05T22:35:21.205979Z'
                          note:
                            type: string
                            example: >-
                              Please make a bank transfer to 78 Finance Company
                              limited (Bank78)
                          amount:
                            type: string
                            example: '150'
                          bankLogo:
                            type: string
                            example: https://test.com
      deprecated: false
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT

````