Send Transaction

Initiate a fund transfer to another merchant's account. The sender's balance is debited and the receiver's balance is credited immediately.

Overview

The Merchant-to-Merchant Transfer API allows an active merchant to securely transfer funds directly to another active merchant account within the platform. The transaction is processed atomically and isolated using database-level locking to prevent race conditions or negative balance issues.

Authentication

Authorization: Bearer <YOUR_SECRET_KEY>

Headers

Request Headers

Authorization

required

Bearer <YOUR_SECRET_KEY> (your merchant API secret key)

Content-Type

required

application/json

Request Body

Body Parameters

application/json

receiverMerchantId

required

String (UUID)

The UUID of the target merchant receiving the transfer.

amount

required

String

Amount to transfer. Must be a positive value with up to 2 decimal places (e.g. "1500.00").

currency

optional

String

Currency code (e.g. "PKR", "THB"). Defaults to the sender's currency if omitted.

Code Examples

curl -X POST "https://api.panel.Luxkgate.ca/api/merchant-to-merchant/transfer" \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "receiverMerchantId": "23e7a99f-8211-4b00-855e-0646e991118d",
  "amount": "500.00",
  "currency": "PKR"
}'

Response

Status Codes

201

Transfer executed successfully.

400

Invalid request data, non-positive amount, or transfer to oneself.

401

Authentication failed (missing or invalid Bearer secret).

403

Insufficient balance or inactive merchant status.

404

Receiver merchant not found.

Success Response

Example response for a successful request

{
  "id": "e93ab3f9-7159-4f51-bfa0-5d6614ae4ebc",
  "type": "transfer",
  "status": "success",
  "amount": "500.00",
  "fee_amount": "0.00",
  "net_amount": "500.00",
  "currency": "PKR",
  "merchant_id": "8c08ec66-c23b-4d80-86d5-261b2e994c1f",
  "receiver_merchant_id": "23e7a99f-8211-4b00-855e-0646e991118d",
  "createdAt": "2026-06-02T09:12:41.000Z",
  "updatedAt": "2026-06-02T09:12:41.000Z",
  "senderName": "Sender Merchant Ltd",
  "receiverName": "Receiver Merchant Ltd",
  "direction": "sent",
  "isSender": true
}