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

# Complete Inter Bank Transfer

> Confirms a pending inter bank transfer with the OTP sent to your organisation's email. Only needed if your organisation has opted in to payout OTP verification.

> [!NOTE]
>
> ### **When to use this endpoint**
>
> If your organisation has opted in to payout OTP verification, [Inter Bank Transfer](https://developer.embedly.ng/api-reference/playground/payout/interbank_transfer.md) returns `202` with status `PENDING_OTP` and a `pendingReference`, and emails a 6-digit OTP to your organisation's email on file.
>
> Call this endpoint with that `pendingReference` and the OTP to approve the transfer. All transfer checks (limits, wallet, KYC, balance and reference) run again before the payout is queued.
>
> #### **Key Considerations:**
>
> * The OTP is valid for **2 minutes**.
> * You have **2 attempts**. The first wrong OTP returns `400` with one attempt left. The second wrong OTP declines the payout, and you have to start a new transfer.
> * Use the `transactionRef` returned in the `200` response to check the status of the transfer and to match webhook notifications, the same way as a transfer without OTP.
> * Authenticate with the same `x-api-key` header you used to initiate the transfer.

**pendingReference** `string` *required*

The `pendingReference` returned in the `202` response from Inter Bank Transfer.

**Example:** `3fa85f64-5717-4562-b3fc-2c963f66afa6`

**otp** `string` *required*

The 6-digit OTP sent to your organisation's email.

**Example:** `123456`

```json Request body theme={null}
{
    "pendingReference": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "otp": "123456"
}
```

```json 200 Success theme={null}
{
    "data": "EMBe66029d4f6e2432a905a3642fa0dd380",
    "statusCode": 200,
    "code": "00",
    "message": "Request is being processed.",
    "succeeded": true
}
```

```json 400 Incorrect OTP theme={null}
{
    "statusCode": 400,
    "message": "Incorrect OTP. You have 1 attempt left.",
    "succeeded": false
}
```


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