Wallet & Payouts

Transfers Integration Guide

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Overview

The Transfers API enables you to send money from your wallet to bank accounts via InstaPay or PesoNet. You can create individual wallet transfers or batch disbursements for multiple recipients.

Transfer Types

• Wallet Transfer: Send funds from your wallet to a bank account
• Batch Disbursement: Send funds to multiple recipients in one request

Providers

Provider	Settlement	Best For
instapay	Real-time (within minutes)	Urgent transfers, smaller amounts
pesonet	Next business day	Larger amounts, cost-effective

Quick Start

Step 1: Create a Wallet Transfer

Code
 
import { SaligPay } from "saligpay-node";

const saligpay = new SaligPay({
    clientId: process.env.SALIGPAY_CLIENT_ID!,
    clientSecret: process.env.SALIGPAY_CLIENT_SECRET!,
    env: "sandbox",
});

await saligpay.authenticate();

const transfer = await saligpay.wallets.transfer("wallet_abc123", {
    destination_account: {
        number: "0987654321",
        name: "Juan Dela Cruz",
        bic: "BNORPHMM",
    },
    amount: 50000, // ₱500.00
    provider: "instapay",
    description: "Withdrawal to bank",
    reference_number: "WDR-001",
    purpose: "withdrawal",
});

console.log("Transfer ID:", transfer.transfers[0].id);
console.log("Status:", transfer.transfers[0].status);

Step 2: Create a Batch Disbursement

Code
 
const batch = await saligpay.transfers.create({
    transfers: [
        {
            source_account: {
                number: "1234567890",
                name: "My Business Inc",
                bic: "BNORPHMM",
            },
            destination_account: {
                number: "0987654321",
                name: "Partner Account",
                bic: "BNORPHMM",
            },
            amount: 100000,
            currency: "PHP",
            provider: "instapay",
            reference_number: "BATCH-001",
            purpose: "settlement",
            description: "Partner payment for May 2025",
        },
    ],
});

console.log("Batch ID:", batch.id);
console.log("Transfer Count:", batch.transfers.length);

API Reference

Create Wallet Transfer

POST /api/wallet/{id}/transfer

Code
 
{
    "destination_account": {
        "number": "0987654321",
        "name": "Juan Dela Cruz",
        "bic": "BNORPHMM"
    },
    "amount": 50000,
    "provider": "instapay",
    "description": "Withdrawal to bank",
    "reference_number": "WDR-001",
    "purpose": "withdrawal"
}

Create Batch Disbursement

POST /api/disbursements

Code
 
{
    "transfers": [
        {
            "source_account": { "number": "1234567890", "name": "My Business Inc", "bic": "BNORPHMM" },
            "destination_account": { "number": "0987654321", "name": "Partner Account", "bic": "BNORPHMM" },
            "amount": 100000,
            "currency": "PHP",
            "provider": "instapay",
            "reference_number": "BATCH-001",
            "purpose": "settlement",
            "description": "Partner payment"
        }
    ]
}

List Transfers

GET /api/disbursements?limit=20&after_id=tr_xxx

Get Transfer

GET /api/disbursements/{id}

Get Receiving Institutions

GET /api/disbursements/banks?provider=instapay

SDK Reference

TransferResource

Method	Description
create(data)	Create batch transfer
list(options?)	List transfers
get(id)	Get transfer details

BankResource

Method	Description
getReceivingInstitutions(provider)	List banks by provider

Error Handling

Error	Cause	Solution
Insufficient balance	Wallet balance too low	Check balance before transfer
Invalid bank account	Account not found	Verify bank details
Amount too low	Below minimum threshold	Minimum amount varies by provider

Best Practices

• Verify bank details using getReceivingInstitutions() before transfers
• Use InstaPay for urgent, smaller transfers
• Use PesoNet for larger, non-urgent transfers
• Track transfer status via polling or webhooks
• Implement idempotency with reference_number

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Related Guides:

• Wallet & Payouts Guide - For wallet management
• SDK Transfers - For SDK method details