# Transfi Docs Documentation > TransfiPay enables your users to send or receive money faster across borders. ## Guides - [Welcome to TransFi Developer Hub](https://docs.transfi.com/docs/welcome-to-transfi-developer-hub.md): You are building a product that moves money across borders. TransFi's API does that — collect from payers in 30+ countries, send to recipients anywhere, and bridge between fiat and crypto — all through one integration. - [Getting started with TransFi](https://docs.transfi.com/docs/getting-started-with-transfi.md): This page describes how you can get access to TransFi APIs. - [Authenticating on the TransFi API](https://docs.transfi.com/docs/authenticating-on-the-api.md): Every request to the TransFi API must include your credentials. TransFi uses HTTP Basic Authentication — combine your username and password, Base64-encode the result, and include it in an Authorization header on every request. - [Accessing your Authentication credentials](https://docs.transfi.com/docs/accessing-your-api-keys.md) - [API Concepts](https://docs.transfi.com/docs/api-concepts.md): TransFi's API is RESTful — standard HTTP methods, JSON responses, HTTP status codes. This page covers the fundamentals you need before building. - [Configuring a Webhook Listener](https://docs.transfi.com/docs/configuring-a-webhook-listener.md) - [Previewing Payment Methods](https://docs.transfi.com/docs/previewing-payment-methods.md) - [APPLEPAY](https://docs.transfi.com/docs/applepay.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-1.md) - [CARD](https://docs.transfi.com/docs/card.md) - [CARDS](https://docs.transfi.com/docs/cards.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay.md) - [PAYID](https://docs.transfi.com/docs/aud-payid.md) - [NAGAD](https://docs.transfi.com/docs/nagad.md) - [BKASH](https://docs.transfi.com/docs/bkash.md) - [Card](https://docs.transfi.com/docs/card-1.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-1.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-2.md) - [PIX](https://docs.transfi.com/docs/pix.md) - [BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer-1.md) - [CARD](https://docs.transfi.com/docs/card-2.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-3.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-2.md) - [INTERAC](https://docs.transfi.com/docs/interac.md) - [CARD](https://docs.transfi.com/docs/card-3.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-3.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-4.md) - [MTN](https://docs.transfi.com/docs/mtn-2.md) - [ORANGE](https://docs.transfi.com/docs/orange.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-5.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-6.md) - [CARD](https://docs.transfi.com/docs/card-5.md) - [CARD](https://docs.transfi.com/docs/cars.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-6.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-7.md) - [CARD](https://docs.transfi.com/docs/card-6.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-8.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-7.md) - [CARD](https://docs.transfi.com/docs/card-7.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-8.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-9.md) - [AIRTELTIGO](https://docs.transfi.com/docs/airteltigo.md) - [MTN](https://docs.transfi.com/docs/mtn.md) - [VODAFONE](https://docs.transfi.com/docs/vodafone.md) - [TIGO](https://docs.transfi.com/docs/tigo.md) - [CARD](https://docs.transfi.com/docs/card-9.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-10.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-11.md) - [QRIS](https://docs.transfi.com/docs/qris.md): This section showcases the **QRIS** (Quick Response Code Indonesian Standard) payment flow in Indonesia. It provides a reference of the **Confirm Order Page** and **Payment Checkout Page**, illustrating what the end-user sees and helping developers design a localized and seamless integration. - [OVO](https://docs.transfi.com/docs/ovo.md): This section outlines the **OVO** e-wallet payment experience in Indonesia. - [DANAMON](https://docs.transfi.com/docs/danamon.md) - [MANDIRI](https://docs.transfi.com/docs/mandiri.md) - [PERMATA](https://docs.transfi.com/docs/permata.md) - [MTN](https://docs.transfi.com/docs/mtn-4.md) - [ORANGE](https://docs.transfi.com/docs/orange-1.md) - [MOOV](https://docs.transfi.com/docs/moov.md) - [WAVE](https://docs.transfi.com/docs/wave.md) - [MPESA](https://docs.transfi.com/docs/mpesa.md) - [AIRTEL](https://docs.transfi.com/docs/airtel.md) - [BOOST](https://docs.transfi.com/docs/boost.md) - [FPX](https://docs.transfi.com/docs/fpx-1.md) - [SPEI](https://docs.transfi.com/docs/spei.md) - [TODITO CASH](https://docs.transfi.com/docs/todito-cash.md) - [BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer-2.md) - [CODI](https://docs.transfi.com/docs/codi.md) - [BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer-3.md) - [BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer-4.md) - [QRPH](https://docs.transfi.com/docs/qrph.md): This section illustrates the QRPH payment flow for the Philippines. It includes visual examples of both the **Confirm Order Page** and the **Payment Checkout Page** to help developers understand the step-by-step user experience. - [PAYMAYA](https://docs.transfi.com/docs/paymaya.md) - [GCASH](https://docs.transfi.com/docs/gcash.md) - [GRABPAY](https://docs.transfi.com/docs/grabpay.md) - [BLIK](https://docs.transfi.com/docs/blik.md) - [AIRTEL](https://docs.transfi.com/docs/airtel-1.md) - [TIGOPESA](https://docs.transfi.com/docs/tigopesa.md) - [HALOPESA](https://docs.transfi.com/docs/halopesa.md) - [THAI QR](https://docs.transfi.com/docs/thai-qr.md) - [BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer-5.md) - [BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer-6.md) - [CARD](https://docs.transfi.com/docs/card-4.md) - [APPLE PAY ](https://docs.transfi.com/docs/apple-pay-4.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-5.md) - [MTN](https://docs.transfi.com/docs/mtn-1.md) - [AIRTEL](https://docs.transfi.com/docs/airtel-2.md) - [MOMO](https://docs.transfi.com/docs/momo.md) - [VIETTEL PAY](https://docs.transfi.com/docs/viettel-pay.md) - [ZOLO PAY](https://docs.transfi.com/docs/zolo-pay.md) - [ BANK TRANSFER](https://docs.transfi.com/docs/bank-transfer.md) - [SEPA ](https://docs.transfi.com/docs/sepa.md) - [OPEN BANKING](https://docs.transfi.com/docs/open-banking.md) - [SEPA QR](https://docs.transfi.com/docs/sepa-qr.md) - [CARD](https://docs.transfi.com/docs/card-8.md) - [APPLE PAY](https://docs.transfi.com/docs/apple-pay-9.md) - [GOOGLE PAY](https://docs.transfi.com/docs/google-pay-10.md) - [AIRTEL ](https://docs.transfi.com/docs/airtel-3.md) - [MTN](https://docs.transfi.com/docs/mtn-3.md) - [ZAMTEL](https://docs.transfi.com/docs/zamtel.md) - [Processing Refunds](https://docs.transfi.com/docs/refunds.md) - [Uptime, Support and Incident Handling](https://docs.transfi.com/docs/uptime-support-and-incident-handling.md) - [Error Codes](https://docs.transfi.com/docs/error-codes.md): This section outlines the possible error codes returned from API calls. These codes help developers to understand the specific reasons behind an unsuccessful user or transaction creation. - [Purpose Code for Transactions](https://docs.transfi.com/docs/purpose-code-for-transactions.md) - [Postman API Collection](https://docs.transfi.com/docs/api-collection.md): Our API Postman collection provides a comprehensive set of pre-configured API requests to accelerate your integration process. This ready-to-use collection allows developers to quickly explore our endpoints, understand request/response formats, and test functionality without writing code from scratch. - [Find Your Use Case](https://docs.transfi.com/docs/find-your-use-case.md): Every integration starts here. Match what you're building to the right guide — each one takes you from zero to a working integration without needing to read anything else. - [Collect Payments](https://docs.transfi.com/docs/collect-payments.md) - [Supported Countries](https://docs.transfi.com/docs/supported-countries.md): The following countries are permitted to conduct transactions on our platform. - [High Risk Countries](https://docs.transfi.com/docs/high-risk-countries.md): The following countries are classified as high-risk for onboarding or conducting any transactions on our platform, in line with our internal compliance policies and applicable international sanctions regulations. Each transaction will be manually reviewed by the compliance team. \n - [Prohibited Countries](https://docs.transfi.com/docs/prohibited-countries.md): The following countries are strictly prohibited from onboarding or making any transactions on our platform, as per internal compliance policies and applicable international sanctions. - [KYC levels for Individual User](https://docs.transfi.com/docs/kyc-levels.md) - [Submit KYC](https://docs.transfi.com/docs/submit-kyc.md) - [KYC Status Overview](https://docs.transfi.com/docs/kyc-status.md): The individual is assigned a specific KYC status based on their verification stage or compliance check outcome. The status can be fetched from this [API](https://docs.transfi.com/reference/get-user-kyc-status). The table below outlines the different KYC statuses, their descriptions, and retry options (if applicable). This classification helps track the progress and manage actions associated with each individuals effectively. - [KYC Reject Labels](https://docs.transfi.com/docs/kyc-reject-labels.md): This table lists the reasons for KYC verification failures, categorized by specific labels. Each label explains the issue, such as document errors, mismatched information, or potential fraud, helping businesses identify and address compliance failures effectively. - [Supported Documents](https://docs.transfi.com/docs/supported-documents.md) - [KYB levels for Business User ](https://docs.transfi.com/docs/kyb-levels-for-business-user.md) - [Submit KYB](https://docs.transfi.com/docs/submit-kyb.md) - [Create Prefunding for Payouts](https://docs.transfi.com/docs/create-prefunding-for-payouts.md) - [Overview](https://docs.transfi.com/docs/overview.md): A Multi-Currency Account (MCA) is a versatile financial account designed to support the management of various global currencies under one roof. Unlike traditional accounts limited to a single currency, an MCA enables users to seamlessly operate in multiple currencies without immediate conversion. - [Get Balance ](https://docs.transfi.com/docs/get-balance.md): [Get Balance API](https://docs.transfi.com/v3.0/reference/get-balance) fetches balance details from the MCA for the specified MID (merchant or sub-merchant). If MID is not provided, returns aggregated balances across all supported currencies and entities. - [Supported Fiat Currencies](https://docs.transfi.com/docs/supported-fiat-currencies.md): We support the below list of supported fiat currencies for either deposit or payout. - [Supported Crypto Currencies](https://docs.transfi.com/docs/supported-crypto-currencies.md): We support the below list of supported crypto currencies for either deposit or payout. - [Webhook Schema](https://docs.transfi.com/docs/webhook-schema.md) - [Respond to a webhook request](https://docs.transfi.com/docs/respond-to-a-webhook-request.md): This section explains how your system should handle and respond to incoming webhook requests from **TransFi**. - [Webhook Signature](https://docs.transfi.com/docs/webhook-signature.md) - [Webhook Retry](https://docs.transfi.com/docs/webhook-retry.md) - [Users](https://docs.transfi.com/docs/webhook-events-users.md): Track user onboarding and KYC webhook events, including status descriptions and sample payloads. - [Payin](https://docs.transfi.com/docs/webhook-events-payin.md): This section provides a list of possible events that can be received as webhooks for Collections. - [Payin with wallet (gaming)](https://docs.transfi.com/docs/webhook-events-payin-with-wallet.md): This section provides a list of possible events that can be received as webhooks for Gaming Transactions. - [Prefunds](https://docs.transfi.com/docs/webhook-events-prefund.md): This section provides a list of possible events that can be received as webhooks for Prefund orders. - [Payouts](https://docs.transfi.com/docs/webhook-events-payouts.md): This section provides a list of possible events that can be received as webhooks for Payouts. - [Onramp](https://docs.transfi.com/docs/webhook-events-onramp.md): This section provides a list of possible events that can be received as webhooks for Onramp transactions. - [Offramp](https://docs.transfi.com/docs/webhook-events-offramp.md): This section provides a list of possible events that can be received as webhooks for Collections. - [Swap](https://docs.transfi.com/docs/webhook-events-swap.md): This section provides a list of possible events that can be received as webhooks for Onramp transactions. - [Transfer API - Payin](https://docs.transfi.com/docs/transfer-api-payin.md) - [Understanding the workflow of a payment](https://docs.transfi.com/docs/understanding-the-workflow-of-transfer-payin.md) - [User creation and KYC/KYB](https://docs.transfi.com/docs/user-creation-and-kyc-kyb-in-transfer-payin.md) - [Before creating Payin Transfer](https://docs.transfi.com/docs/before-creating-transfer-payin.md): This section describes step-by-step steps to be done, before you create your first payin transaction. - [Creating Payin Transfer ](https://docs.transfi.com/docs/creating-transfer-payin.md) - [Get Order status](https://docs.transfi.com/docs/get-order-status-of-transfer-payin.md) - [Embedding the TransFi Payment Widget via iFrame](https://docs.transfi.com/docs/embedding-the-transfi-payment-widget-via-iframe-for-transfer-payin.md): To embed the Tranfi payment widget seamlessly into a customer’s website using a responsive iframe. - [Transfer API - Payin with wallet (Gaming)](https://docs.transfi.com/docs/transfer-api-payin-with-wallet-gaming.md) - [Understanding the workflow of a payment](https://docs.transfi.com/docs/understanding-the-workflow-of-payin-with-wallet.md) - [User creation and KYC/KYB](https://docs.transfi.com/docs/user-creation-and-kyckyb-in-transfer-payin-with-wallet.md) - [Before creating Transfer](https://docs.transfi.com/docs/before-creating-payin-with-wallet-transfer.md): This section describes step-by-step steps to be done, before you create your first payin transaction. - [Creating Fiat Payin With Wallet Transfer ](https://docs.transfi.com/docs/creating-payin-with-wallet-transfer.md) - [Get order status](https://docs.transfi.com/docs/get-order-status-payin-with-wallet-transfer.md) - [Transfer API - Payout](https://docs.transfi.com/docs/transfer-api-payout.md) - [Understanding the workflow of payout transfer.](https://docs.transfi.com/docs/understanding-the-workflow-of-transfer-payout.md) - [User creation and KYC/KYB](https://docs.transfi.com/docs/user-creation-and-kyc-kyb-in-transfer-payout.md) - [Before creating Payout Transfer](https://docs.transfi.com/docs/before-creating-transfer-payout.md): This section describes step-by-step steps to be done, before you create your payout transaction. - [Creating Payout Transfer](https://docs.transfi.com/docs/creating-transfer-payout.md) - [Get Order status](https://docs.transfi.com/docs/get-order-status-of-transfer-payout.md) - [Transfer API - QR Payout](https://docs.transfi.com/docs/transfer-api-qr-payout.md) - [Understanding the workflow of QR Payout transfer.](https://docs.transfi.com/docs/understanding-the-workflow-of-qr-payout-transfer.md) - [Before creating QR Payout Transfer](https://docs.transfi.com/docs/before-creating-qr-payout-transfer.md): This section describes step-by-step steps to be done, before you create your QR Payout transaction. - [Creating QR Payout Transfer](https://docs.transfi.com/docs/creating-qr-payout-transfer.md) - [Get Order Status](https://docs.transfi.com/docs/get-order-status-qr-payout.md) - [Transfer API - Onramp](https://docs.transfi.com/docs/transfer-api-onramp.md) - [Understanding the workflow of onramp](https://docs.transfi.com/docs/understanding-the-workflow-of-transfer-onramp.md) - [User creation and KYC](https://docs.transfi.com/docs/user-creation-and-kyc-kyb-in-transfer-onramp.md) - [Before creating an Onramp Transfer](https://docs.transfi.com/docs/before-creating-transfer-onramp.md): This section describes step-by-step steps to be done, before you create your onramp transaction. - [Creating an Onramp Transfer](https://docs.transfi.com/docs/creating-transfer-onramp.md) - [Get Order status](https://docs.transfi.com/docs/get-order-status-of-transfer-onramp.md) - [Transfer API - Offramp (Stablecoin to Fiat)](https://docs.transfi.com/docs/transfer-api-offramp.md) - [Understanding the workflow of Offramp](https://docs.transfi.com/docs/understanding-the-workflow-of-transfer-offramp.md) - [User creation and KYC/KYB](https://docs.transfi.com/docs/user-creation-and-kyc-kyb-in-transfer-offramp.md) - [Before creating an Offramp Transfer](https://docs.transfi.com/docs/before-creating-transfer-offramp.md) - [Creating an Offramp Transfer](https://docs.transfi.com/docs/creating-transfer-offramp.md) - [Get order status](https://docs.transfi.com/docs/get-order-status-of-transfer-offramp.md) - [Transfer API - Swap](https://docs.transfi.com/docs/transfer-api-swap.md) - [Understanding the workflow of Swap Transfers](https://docs.transfi.com/docs/understanding-the-workflow-of-transfer-swap.md) - [User creation and KYC/KYB](https://docs.transfi.com/docs/user-creation-and-kyc-kyb-in-transfer-swap.md) - [Before creating Swap Transfer](https://docs.transfi.com/docs/before-creating-transfer-swap.md) - [Creating a Swap Transfer](https://docs.transfi.com/docs/creating-transfer-swap.md) - [Get Order status](https://docs.transfi.com/docs/get-order-status-of-transfer-swap.md) - [Transfer API - Prefunds](https://docs.transfi.com/docs/transfer-api-prefunds.md) - [Understanding the workflow of a prefund](https://docs.transfi.com/docs/understanding-the-workflow-of-a-prefund-transfer.md) - [Before creating Prefund Order](https://docs.transfi.com/docs/before-creating-prefund-transfer.md): This section describes step-by-step steps to be done, before you create your first payin transaction. - [Creating Prefund Order](https://docs.transfi.com/docs/creating-transfer-prefund.md) - [Get Prefund status](https://docs.transfi.com/docs/get-order-status-of-transfer-prefund.md) - [Order status simulation](https://docs.transfi.com/docs/order-status-simulation.md) - [Understanding the workflow of IBAN Payments](https://docs.transfi.com/docs/understanding-the-workflow-of-iban-flow-of-funds.md) - [Creating and Listing IBANs](https://docs.transfi.com/docs/creating-and-listing-ibans.md) - [Simulating IBAN Deposits (SANDBOX ONLY)](https://docs.transfi.com/docs/simulating-iban-deposits-sandbox-only.md) - [Reconciling IBAN Deposits and Unlocking Balance (SANDBOX ONLY))](https://docs.transfi.com/docs/reconciling-iban-deposits-and-unlocking-balance.md) - [Automated Settlement in Batches](https://docs.transfi.com/docs/automated-settlement-batch.md) ## API Reference - [List MIDs](https://docs.transfi.com/reference/list-mids.md): Retrieves paginated list of organization MIDs. - [List Supported Currencies](https://docs.transfi.com/reference/list-supported-currencies.md): Retrieves a list of supported fiat currencies. - [List Payment Methods](https://docs.transfi.com/reference/list-payment-methods.md): Retrieves supported payment methods for deposit or withdraw. - [List Tokens](https://docs.transfi.com/reference/list-tokens.md): Retrieves a list of all cryptocurrencies and networks available on the API. This list specifies the cryptocurrencies that merchants can display on a payment page for end users. - [Get Transaction Limits](https://docs.transfi.com/reference/get-transaction-limits.md): Returns transaction limits for a individual user, business user or organization. - [QR Code Details](https://docs.transfi.com/reference/qr-code-details.md): Use this endpoint to decode a Fiat QR code string and retrieve merchant and transaction details prior to initiating a payout. The response will include information such as the merchant name, transaction amount, bank name, depending on the currency. - [Address Suggestions](https://docs.transfi.com/reference/get-address-suggestions.md): Provides real-time, dynamic address suggestions and recommendations based on partial text input. The structured address suggestions returned by this endpoint should be used to populate the mandatory address payloads when registering users via the following creation APIs: [Create Individual User API ](https://docs.transfi.com/reference/create-individual-user) [Create Business User API](https://docs.transfi.com/reference/create-business-user) - [Get Exchange Rates](https://docs.transfi.com/reference/get-exchange-rates.md): Retrieves exchange rates, conversion rate, and full fee breakdown for converting between a source and destination currency. Use the `orderType` parameter to get rates specific to your flow. - [List Individual Users](https://docs.transfi.com/reference/list-individual-users.md): Retrieve a paginated list of individual users with optional filters. - [Create Individual User](https://docs.transfi.com/reference/create-individual-user.md): Create a new individual user; - [Update Individual User](https://docs.transfi.com/reference/update-individual-user.md): Update an existing individual user's profile details. Use this endpoint to correct or complete a user's first name, last name, and date of birth after the user has been created. Updating date of birth automatically re-initiates compliance screening for the user. - [List Business Users](https://docs.transfi.com/reference/list-business-users.md): Retrieve a paginated list of business users with optional filters. - [Create Business User](https://docs.transfi.com/reference/create-business-user.md): Create a new business user; - [Get Recipient Mandatory fields](https://docs.transfi.com/reference/get-v3-recipients-mandatory-fields.md) - [Create Individual Recipient](https://docs.transfi.com/reference/post-v3-recipients-individual.md) - [Create Business Recipient](https://docs.transfi.com/reference/post-v3-recipients-business.md) - [Request verification link](https://docs.transfi.com/reference/verification-request-link.md): Sends a verification link to a user's email or phone number. Use this endpoint to resend the verification link to the user's email or phone number. Set `type` to `email` to send a verification link to the user's registered email address, or `phone` to send an SMS verification code to the user's registered phone number. The user must already exist and have the corresponding contact detail on record. - [Initiate Standard KYC](https://docs.transfi.com/reference/kyc-standard.md): Initiates standard KYC for an individual user and returns a KYC URL. Our KYC API simplifies user verification, boosting conversion rates while adhering to global AML and KYC standards. We collect necessary documents using a risk-based approach to ensure compliance. With our KYC endpoints, you can verify users during sign-up or later. Once verified, users can make or receive payments seamlessly. KYC is mandatory for fund senders. Using our API, you can directly KYC your users through our partnership with Sumsub. The endpoint provides a URL for users to complete their KYC verification efficiently. - [Initiate Advanced KYC](https://docs.transfi.com/reference/kyc-advanced.md): Initiates advanced KYC for an individual user and returns a KYC URL. Our Advanced KYC API extends the verification process beyond standard KYC, enabling users to access higher transaction limits and enhanced features while maintaining strict compliance with global AML and KYC standards - [Import Shared KYC](https://docs.transfi.com/reference/kyc-share-same-vendor.md): Imports approved KYC from a Sumsub shared token. - [Submit KYC Documents.](https://docs.transfi.com/reference/kyc-share-third-vendor.md): If you are not using Sumsub as your KYC provider, you may directly submit the required KYC information to us and we will handle the verification process. - [Share Additional Docs](https://docs.transfi.com/reference/kyc-share-add-docs.md): For higher transactional volumes, once certain thresholds for payments have been reached, it is necessary to collect additional documents and information from the sender of funds. These requests can be fulfilled by sharing the required data directly using this endpoint. Additionally, for specific countries, supplementary documents—beyond the standard requirements—can also be shared using this endpoint. - [KYC Status](https://docs.transfi.com/reference/kyc-status.md): Retrieves the current KYC status and any rejection labels for a specific individual user. - [Initiate Standard KYB](https://docs.transfi.com/reference/kyb-standard.md): We collect necessary documents using a risk-based approach to ensure compliance. With our KYB endpoints, you can verify users during sign-up or later. Once verified, users can make or receive payments seamlessly. KYB is mandatory for fund senders. Using our API, you can directly KYB your users. The endpoint provides a URL for users to complete their KYB verification efficiently. - [Initiate Advanced KYB](https://docs.transfi.com/reference/kyb-advanced.md): Initiate the Advanced KYB (Know Your Business) process for a business user and receive a KYB verification URL. This endpoint allows you to verify users who have already completed Standard KYB, enabling them to make or receive payments with higher transaction limits. - [KYB Status](https://docs.transfi.com/reference/kyb-status.md): Retrieves the current KYB status and any rejection labels for a specific business user - [Upload Invoice](https://docs.transfi.com/reference/upload-invoice.md): This API endpoint allows you to upload a PDF document (e.g. an invoice or bill). In response, it returns a unique invoiceId that serves as a reference to the uploaded document. You can then include this invoiceId in the root level of the payload when creating a Payin or Payout order to associate the uploaded invoice with that transaction. - [List Orders](https://docs.transfi.com/reference/list-orders.md): Retrieve a paginated list of orders. - [Create Order](https://docs.transfi.com/reference/create-order.md): Create a new order (onramp, offramp, payin, payout, prefund, swap). - [Get Order by ID](https://docs.transfi.com/reference/get-order.md): Retrieve order details by orderId. - [Cancel Order](https://docs.transfi.com/reference/cancel-orders.md): The Cancel Transfer Order API enables partners to programmatically cancel existing Offramp (crypto-to-fiat) transfer orders. This functionality is intended for orders that have been created but have not yet received a crypto deposit. - [Get Balance](https://docs.transfi.com/reference/get-balance.md): Retrieves balance details for the specified MID (merchant or sub-merchant). If MID is not provided, returns aggregated balances across all supported currencies and entities. - [List IBAN Payment Methods](https://docs.transfi.com/reference/list-iban-payment-methods.md): Retrieves supported IBAN payment methods and required fields for virtual IBAN creation. - [Create Virtual IBAN](https://docs.transfi.com/reference/create-iban.md): Creates a virtual IBAN for a user or the organization. - If `customer.userId` is provided, the IBAN is created for that user - If `customer.userId` is omitted, the IBAN is created for the organization itself. Additional customer fields (e.g. `email`, `street`, `city`) should be passed inside the `customer` object as required by the payment method's `requiredFields` (see `GET /v3/config/payment-methods/iban`). Supports `multipart/form-data` when document file uploads are required by the payment method. - [List Virtual IBANs](https://docs.transfi.com/reference/list-iban.md): Retrieve a paginated list of virtual IBANs. - [Link IBAN Orders](https://docs.transfi.com/reference/link-orders.md): This API allows you to assign an unmapped IBAN deposit to a registered user. Upon successfully linking the user, the system evaluates standard compliance checks. If all checks pass, the deposit is marked as fund_settled. If any check fails, the deposit remains in initiated - [Get IBAN Balance](https://docs.transfi.com/reference/get-iban-balance.md): This API provides a comprehensive view of your IBAN account balances. By default, it returns the balances for all associated IBAN accounts. You can narrow down the results using optional query parameters to filter by a specific account ID or currency code (e.g., EUR, GBP). The response details the account status and provides a granular breakdown of funds across different states: available for use, locked for pending transactions, frozen, currently in transit, and the total overall balance. - [Create Settlement Account](https://docs.transfi.com/reference/create-settlement-account.md): Creates a settlement account for the organization. A settlement account is the destination where settled funds are paid out. Use the `currencyType` field to select the type of account to create: - `currencyType: fiat` — creates a fiat settlement account. Requires `currency`, `paymentType`, and `paymentCode`. The fields to pass inside `accountDetails` depend on the selected payment method: call `GET /v3/config/payment-methods?direction=withdraw&userType=business¤cy=` and pass every field listed under the payment method's `additionalDetails` inside `accountDetails`. - `currencyType: crypto` — creates a crypto settlement account. Requires `walletAddress` plus the currency identification: either `cryptoTicker`, or both `cryptoCurrency` and `cryptoNetwork`. The first settlement account created for a given type is marked as the default. If a matching settlement account already exists, the existing account is returned instead of creating a duplicate. - [List Settlement Accounts](https://docs.transfi.com/reference/list-settlement-accounts.md): Retrieve a paginated list of the organization's settlement accounts. Optionally filter by settlement account ID, type, or default flag. - [Update Settlement Account](https://docs.transfi.com/reference/update-settlement-account.md): Update an existing settlement account. All request body fields are optional — send only the fields you want to update. The current default settlement account cannot be marked as inactive. To mark it as inactive, first set another settlement account as the default. - [Delete Settlement Account](https://docs.transfi.com/reference/delete-settlement-account.md): Deletes a settlement account. A default settlement account cannot be deleted — another account needs to be set as default before deleting current default account. - [Simulate Incoming IBAN Deposit](https://docs.transfi.com/reference/simulate-incoming-iban-deposits.md): Simulates an incoming IBAN deposit for testing prefunding and collections flow in sandbox environment. - [Simulate IBAN Order Completion](https://docs.transfi.com/reference/simulate-reconcile-iban-deposit.md): Simulates unlocking or reconciling a held IBAN deposit by orderId and userId for testing purposes in sandbox environment. - [Simulate QR Code Generation](https://docs.transfi.com/reference/generate-qr-code.md): Generates mock QR code strings for testing Fiat QR Payouts in the Sandbox environment. - [Simulate Order Status Update](https://docs.transfi.com/reference/simulate-order-status.md): Simulates a status transition for an existing order in the sandbox environment. The status update is processed asynchronously and triggers the corresponding webhooks for the target status. - [Resend Webhook](https://docs.transfi.com/reference/simulate-webhook-resend.md): Resends the latest webhook event for a given entity (order, prefund, or user) in the sandbox environment. Useful for re-triggering webhook delivery when testing integrations. ## Changelog - [Email & Phone Verification](https://docs.transfi.com/changelog/email-phone-verification.md) - [AUD Payin Field Requirements Update — Mandatory `accountNumber` and `bsb` fields for all AUD payin bank transfers to improve transaction accuracy for Australian customers.](https://docs.transfi.com/changelog/aud-payin-field-requirements-update.md) - [API v1.0 Deprecation & Migration to New TransFi API](https://docs.transfi.com/changelog/api-v10-deprecation-migration-to-new-transfi-api.md) - [Mandatory MID Header Requirements](https://docs.transfi.com/changelog/mandatory-mid-header-requirements.md) - [API Update: Enhanced Purpose Codes & Mandatory Reason Field](https://docs.transfi.com/changelog/api-update-enhanced-purpose-codes-mandatory-reason-field.md)