---
title: "Bank transfer"
---
Customers can make payments with bank transfers from their bank accounts. The API returns a payment instruction, including a reference number that customers will use when making the payment.

Customers pay in their local currency, and Gravv stores the funds as a stablecoin in your receiving account.

![](/images/readme/ded8de11d223b3d61c980753461acdae5a34150b7cd54538daeb7f247f03f168-collection-flow-bank-transfer-and-mobile-money.png)

To create a bank transfer collection, [Initiate a collection request](/api-reference/collections/post-v1-collections) with payment method set to `local_bank_transfer`. You can collect funds to either an internal account, internal crypto wallet, or external crypto wallet. For internal destinations, provide the account or wallet ID. For external crypto wallets, provide the wallet address and network:

```bash title="create a bank transfer collection request"
curl --request POST \
     --url https://api.gravv.xyz/v1/collections \
     --header 'Api-Key: <API_KEY>' \
     --header 'Idempotency-Key: order_789_attempt_1' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "amount": "50",
  "currency": "ETB",
  "country": "ET",
  "customer_id": "04dfb2e5-1274-4214-b5fd-3415fde7dc17",
  "client_customer_id": "checkers_user",
  "client_reference": "9d8184a1-4a19-b74d-4797-9896aed01332",
  "source": {
    "source_type": "external",
    "methods": [
      "local_bank_transfer"
    ]
  },
  "destination": {
    "id": "bccb74d8-9715-478d-bcac-9d8184a19530",
    "destination_type": "internal_account"
    },
  "metadata": {
    "branch_code": "ET001"
  }
}
'
```

You will receive a response with an `instruction` field containing HTML-formatted payment details to display to the customer.

```json title="create a bank transfer collection response"
{
  "instruction": "<p>You have a Pending Payment.</p><p>Please go to your nearest Bank branch and make the following payment to complete your travel booking:</p><p>PNR: <strong>83842144</strong></p><p>Price: <strong>ETB 15.00</strong></p>",
  "client_reference": "04dfb2e5-1274-4214-b5fd-3415fde7dc17",
  "transaction_id": "e07aa829-cda4-4c51-bd43-09a2f1e6604d",
  "status": "created",
  "onramp_status": "initialized",
  "amount": "50",
  "currency": "ETB",
  "country": "ET"
}
```

## Collect to external crypto wallet

To collect funds directly to an external crypto wallet, set `destination_type` to `external_crypto_wallet` and provide the wallet address and network:

```bash title="collection to external crypto wallet"
curl --request POST \
     --url https://api.gravv.xyz/v1/collections \
     --header 'Api-Key: <API_KEY>' \
     --header 'Idempotency-Key: order_789_attempt_1' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "amount": "50",
  "currency": "ETB",
  "country": "ET",
  "customer_id": "04dfb2e5-1274-4214-b5fd-3415fde7dc17",
  "client_customer_id": "checkers_user",
  "client_reference": "9d8184a1-4a19-b74d-4797-9896aed01332",
  "source": {
    "source_type": "external",
    "methods": [
      "local_bank_transfer"
    ]
  },
  "destination": {
    "destination_type": "external_crypto_wallet",
    "wallet_address": "0x445906a6766927c5da8b2fca0e0db5d7b5565ef8",
    "network": "polygon"
  },
  "metadata": {
    "branch_code": "ET001"
  }
}
'
```

## Attach custom data with metadata

Use the optional `metadata` field to attach custom JSON data to collection requests. This data is returned in webhook notifications, allowing you to track additional transaction details:

```json
{
  "metadata": {
    "reference": "12345",
    "branch_code": "ET001"
  }
}
```