Swiffy EFT Payout Payload

Payment Method Identifier: EFT
Payment Type: BANK_TRANSFER

Swiffy EFT is a South African bank transfer payout method. The customer's bank account details and selected bank are submitted directly in the apmPayload — no redirect or QR code is needed. The request is processed server-to-server and the response returns actionType: NONE.

Currently supported for payouts via POST /api/v1/payouts/apm.

Required Request Fields

Top-Level Fields

Field	Type	Description
callbackUrl	String	URL to receive transaction status updates
successRedirectUrl	String	URL to redirect the customer after successful payment
failureRedirectUrl	String	URL to redirect the customer after failed payment

Billing Details (ApmBillingDetails)

Field	Type	Description
email	String	The customer's email address used for communication or receipts

Payload Structure

{
  "paymentMethod": "EFT",
  "paymentType": "BANK_TRANSFER",
  "account": "4051111222",
  "bank": "ABSA",
  "customer": "John Doe",
  "accountType": "cheque"
}

Payload Fields

Field	Type	Required	Description
paymentMethod	Enum	Yes	Must be set to EFT
paymentType	Enum	Yes	Must be set to BANK_TRANSFER
account	String	Yes	Customer's bank account number
bank	Enum	Yes	Destination bank — one of the supported banks
customer	String	Yes	Account holder name
accountType	String	No	Account type (e.g. cheque, savings)

Supported Banks

ABSA, AFRIBANK, AL BARAKA BANK, BIDVEST, CAPITEC, CAPITEC BUSINESS, DISCOVERY, FIRSTRAND [TRADE SERVICES], FNB, INVESTEC, MERCANTILE, NEDBANK, OLDMUTUAL, RMB PRIVATE BANK, SASFIN, STANDARD, TYME

Expected apmResponseData

{
    "paymentMethod": "EFT",
    "paymentType": "BANK_TRANSFER",
    "providerTransactionId": "270816",
    "actionType": "NONE"
 }

Response Fields

Field	Type	Description
paymentMethod	Enum	Always EFT
paymentType	Enum	Always BANK_TRANSFER
actionType	Enum	Always NONE — no customer redirect needed
providerTransactionId	String	Unique transaction ID from the payment provider

EFT results are typically asynchronous — the initial response may be PROCESSING / PENDING. Wait for the webhook to determine the final status.

See Also

POST /api/v1/payouts/apm — Payout Flow — End-to-end APM payout flow