diff --git a/lib/momoapi-ruby.rb b/lib/momoapi-ruby.rb
index f6ad45a..4387225 100644
--- a/lib/momoapi-ruby.rb
+++ b/lib/momoapi-ruby.rb
@@ -5,6 +5,7 @@
 require 'momoapi-ruby/cli'
 require 'momoapi-ruby/collection'
 require 'momoapi-ruby/disbursement'
+require 'momoapi-ruby/remittance'
 
 module Momoapi
   class << self
diff --git a/lib/momoapi-ruby/remittance.rb b/lib/momoapi-ruby/remittance.rb
index e86c46a..f564375 100644
--- a/lib/momoapi-ruby/remittance.rb
+++ b/lib/momoapi-ruby/remittance.rb
@@ -6,7 +6,7 @@
 module Momoapi
   class Remittance < Client
     def get_auth_token
-      path = 'remittance/token'
+      path = 'remittance/token/'
       super(path, Momoapi.config.remittance_primary_key)
     end
 
@@ -20,6 +20,29 @@ def get_transaction_status(transaction_id)
       super(path, Momoapi.config.remittance_primary_key)
     end
 
-    def transfer; end
+    def transfer(phone_number, amount, external_id,
+                 payee_note = '', payer_message = '', currency = 'EUR')
+      uuid = SecureRandom.uuid
+      headers = {
+        "X-Target-Environment": Momoapi.config.environment || 'sandbox',
+        "Content-Type": 'application/json',
+        "X-Reference-Id": uuid,
+        "Ocp-Apim-Subscription-Key": Momoapi.config.disbursement_primary_key
+      }
+      body = {
+        "payer": {
+          "partyIdType": 'MSISDN',
+          "partyId": phone_number
+        },
+        "payeeNote": payee_note,
+        "payerMessage": payer_message,
+        "externalId": external_id,
+        "currency": currency,
+        "amount": amount.to_s
+      }
+      path = '/remittance/v1_0/transfer'
+      send_request('post', path, headers, body)
+      { transaction_reference: uuid }
+    end
   end
 end
diff --git a/spec/cassettes/Momoapi_Disbursement/remittances/gets_balance.yml b/spec/cassettes/Momoapi_Disbursement/remittances/gets_balance.yml
new file mode 100644
index 0000000..82fcdf0
--- /dev/null
+++ b/spec/cassettes/Momoapi_Disbursement/remittances/gets_balance.yml
@@ -0,0 +1,120 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 302
+      message: Found
+    headers:
+      Content-Length:
+      - '0'
+      Location:
+      - https://52.236.59.28:8080/token/
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:23:45 GMT
+    body:
+      encoding: UTF-8
+      string: ''
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:23:45 GMT
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:29:36 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAyLTI3VDE0OjI5OjM2LjM1MyIsInNlc3Npb25JZCI6IjZkNTY0ZDM0LTk4YjAtNDYwOC05NGJkLTkyM2JlYzM1MmRjYyJ9.e2lvLTU5Oi2KjoVp7BggMNurcLC4DtqjrEaCGWRpLQCpPbnDFHI_FHFS1tvOLTxNWSb3gAzH5KvxTmmqFkDatph4EpnubmkcuFRcXzyrpAz1IxOQlZ7zYK0ufI-k4KUCMYwxHb9g5s48YtdQJdUXtspbSVVfuTomGaWUHiheAMPDp7Nz83FVGD5TcGJxnprotXs0kfNoZofX-aqhKFHfnBxPiGOcmA1EceNNsHR_r30La3PqfpSGp5EWtr96VGyG6chjYLldMZi_ENhT5qIrDkMjd-Hr7orrJ7f5_yVlSL5ssEsk1GSTxCQWcyiK6uIwo_eAPn8P5-si0Cw0nPN85Q","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:29:36 GMT
+- request:
+    method: get
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/v1_0/account/balance
+    body:
+      encoding: US-ASCII
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAyLTI3VDE0OjI5OjM2LjM1MyIsInNlc3Npb25JZCI6IjZkNTY0ZDM0LTk4YjAtNDYwOC05NGJkLTkyM2JlYzM1MmRjYyJ9.e2lvLTU5Oi2KjoVp7BggMNurcLC4DtqjrEaCGWRpLQCpPbnDFHI_FHFS1tvOLTxNWSb3gAzH5KvxTmmqFkDatph4EpnubmkcuFRcXzyrpAz1IxOQlZ7zYK0ufI-k4KUCMYwxHb9g5s48YtdQJdUXtspbSVVfuTomGaWUHiheAMPDp7Nz83FVGD5TcGJxnprotXs0kfNoZofX-aqhKFHfnBxPiGOcmA1EceNNsHR_r30La3PqfpSGp5EWtr96VGyG6chjYLldMZi_ENhT5qIrDkMjd-Hr7orrJ7f5_yVlSL5ssEsk1GSTxCQWcyiK6uIwo_eAPn8P5-si0Cw0nPN85Q
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 500
+      message: Server Error
+    headers:
+      Content-Length:
+      - '96'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:29:36 GMT
+    body:
+      encoding: UTF-8
+      string: '{"message":"Access to target environment is forbidden.","code":"NOT_ALLOWED_TARGET_ENVIRONMENT"}'
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:29:37 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/cassettes/Momoapi_Disbursement/remittances/gets_transaction_status.yml b/spec/cassettes/Momoapi_Disbursement/remittances/gets_transaction_status.yml
new file mode 100644
index 0000000..739a6f4
--- /dev/null
+++ b/spec/cassettes/Momoapi_Disbursement/remittances/gets_transaction_status.yml
@@ -0,0 +1,118 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 302
+      message: Found
+    headers:
+      Content-Length:
+      - '0'
+      Location:
+      - https://52.236.59.28:8080/token/
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:23:46 GMT
+    body:
+      encoding: UTF-8
+      string: ''
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:23:46 GMT
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:29:38 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAyLTI3VDE0OjI5OjM4LjA5NSIsInNlc3Npb25JZCI6IjlmMTBiOTI5LTFhZGUtNDE2ZS1iNjQzLWZjOTM1NTc3NDQ0ZiJ9.k8yj-7UX13bwyySxNyrZzN7R3iu2FbDJlsFJl0JqxB79dMlWWQGvwB6Gxin7KmGFXYw87XZNzuFsAKe3s5SThrjIsKtlBIQ_CVcjnWcxxtXOH43VxH4E0A3UPyVEpTt6xeQJ-Xloe0x7mjYtFUaEIg32Nihqfv781Xqq9zuaeNfzBuHA2vHIv-wvmAsr5dnrOwmzEujXV58_rya_ZE5rkkb15ZDwOJ2WzTlrjbUow13vuVKwdT3s7_kwoxV_ObnZHVOsB-e32AHR56Aa_8C99lNFvRIF913xSsDXF-H18B-PoBDLcNz4xNoMLZb2GWz5wLsNLGWGkW2k4DiWCYMfEQ","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:29:38 GMT
+- request:
+    method: get
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/v1_0/transfer/888a79ff-0535-4a9f-8a66-457f7903bd8ab
+    body:
+      encoding: US-ASCII
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAyLTI3VDE0OjI5OjM4LjA5NSIsInNlc3Npb25JZCI6IjlmMTBiOTI5LTFhZGUtNDE2ZS1iNjQzLWZjOTM1NTc3NDQ0ZiJ9.k8yj-7UX13bwyySxNyrZzN7R3iu2FbDJlsFJl0JqxB79dMlWWQGvwB6Gxin7KmGFXYw87XZNzuFsAKe3s5SThrjIsKtlBIQ_CVcjnWcxxtXOH43VxH4E0A3UPyVEpTt6xeQJ-Xloe0x7mjYtFUaEIg32Nihqfv781Xqq9zuaeNfzBuHA2vHIv-wvmAsr5dnrOwmzEujXV58_rya_ZE5rkkb15ZDwOJ2WzTlrjbUow13vuVKwdT3s7_kwoxV_ObnZHVOsB-e32AHR56Aa_8C99lNFvRIF913xSsDXF-H18B-PoBDLcNz4xNoMLZb2GWz5wLsNLGWGkW2k4DiWCYMfEQ
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 400
+      message: Bad Request
+    headers:
+      Content-Length:
+      - '0'
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:29:38 GMT
+    body:
+      encoding: UTF-8
+      string: ''
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:29:39 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/cassettes/Momoapi_Disbursement/remittances/makes_transfer.yml b/spec/cassettes/Momoapi_Disbursement/remittances/makes_transfer.yml
new file mode 100644
index 0000000..241c467
--- /dev/null
+++ b/spec/cassettes/Momoapi_Disbursement/remittances/makes_transfer.yml
@@ -0,0 +1,127 @@
+---
+http_interactions:
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 302
+      message: Found
+    headers:
+      Content-Length:
+      - '0'
+      Location:
+      - https://52.236.59.28:8080/token/
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:23:46 GMT
+    body:
+      encoding: UTF-8
+      string: ''
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:23:47 GMT
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/token/
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      Ocp-Apim-Subscription-Key:
+      - d314b91c889340b682a9a3144a9ffd1b
+      Authorization:
+      - Basic NzgzYThmMjEtM2ZjNi00ZTM5LWFhNzYtZGE4ZTU2MmZiYTdlOjMxM2NmYWY5YTQwYjQwMjliNzEzOWY0YzlkOGFmYjIz
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 200
+      message: OK
+    headers:
+      Cache-Control:
+      - no-store
+      Pragma:
+      - no-cache
+      Content-Length:
+      - '628'
+      Content-Type:
+      - application/json;charset=utf-8
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Date:
+      - Thu, 27 Feb 2020 13:29:40 GMT
+    body:
+      encoding: UTF-8
+      string: '{"access_token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAyLTI3VDE0OjI5OjQwLjAzOSIsInNlc3Npb25JZCI6IjVmMjVkNGQ1LWI1ZWItNDU3My05YjIyLTc2MDRiNDk2MTg5ZCJ9.d8yxHi3XfB5Zm0CjfZmBoyYlvInE6xmHnGjAm2n8Dr-G8JPBGCWuZvD_VkPOZJW23RdbyqRVjYzsTK5GaWukraXVoT4Sgym4cxGEJbHbe9qH_PwhQY8KQIlr1ae6HufE53-lMELn-nuCMzfK8YCX18gf84DIBSZFsNDuCy3nZUMbQgrrg0VrmAevX4Zr_M86D4weluhxc7c_LS27qnIH9PjJzOcANSSs8nWuaJ-5l3rc9WK4zEcVe08yViZYgFHoyQ70F5OFEhWzb3b5zdD15PbFVJgvphB05aavqEujLeZPVHDMat3gexVCyS_dKvyPNFabuaMnBuk3yShmpn6F5A","token_type":"access_token","expires_in":3600}'
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:29:40 GMT
+- request:
+    method: post
+    uri: https://sandbox.momodeveloper.mtn.com/remittance/v1_0/transfer
+    body:
+      encoding: UTF-8
+      string: ''
+    headers:
+      X-Target-Environment:
+      - sandbox
+      Content-Type:
+      - application/json
+      X-Reference-Id:
+      - 80f458da-fd56-4a76-90f2-df65cfcdaef3
+      Ocp-Apim-Subscription-Key:
+      - 0c74e0a1cf344d45a3d02b1da52c12f5
+      Authorization:
+      - Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSMjU2In0.eyJjbGllbnRJZCI6Ijc4M2E4ZjIxLTNmYzYtNGUzOS1hYTc2LWRhOGU1NjJmYmE3ZSIsImV4cGlyZXMiOiIyMDIwLTAyLTI3VDE0OjI5OjQwLjAzOSIsInNlc3Npb25JZCI6IjVmMjVkNGQ1LWI1ZWItNDU3My05YjIyLTc2MDRiNDk2MTg5ZCJ9.d8yxHi3XfB5Zm0CjfZmBoyYlvInE6xmHnGjAm2n8Dr-G8JPBGCWuZvD_VkPOZJW23RdbyqRVjYzsTK5GaWukraXVoT4Sgym4cxGEJbHbe9qH_PwhQY8KQIlr1ae6HufE53-lMELn-nuCMzfK8YCX18gf84DIBSZFsNDuCy3nZUMbQgrrg0VrmAevX4Zr_M86D4weluhxc7c_LS27qnIH9PjJzOcANSSs8nWuaJ-5l3rc9WK4zEcVe08yViZYgFHoyQ70F5OFEhWzb3b5zdD15PbFVJgvphB05aavqEujLeZPVHDMat3gexVCyS_dKvyPNFabuaMnBuk3yShmpn6F5A
+      Content-Length:
+      - '0'
+      Accept-Encoding:
+      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
+      Accept:
+      - "*/*"
+      User-Agent:
+      - Ruby
+  response:
+    status:
+      code: 401
+      message: Access Denied
+    headers:
+      Content-Length:
+      - '143'
+      Content-Type:
+      - application/json
+      Request-Context:
+      - appId=cid-v1:e996501c-e721-4ac1-97ff-dc6887b85e8c
+      Www-Authenticate:
+      - AzureApiManagementKey realm="https://sandbox.momodeveloper.mtn.com/remittance",name="Ocp-Apim-Subscription-Key",type="header"
+      Date:
+      - Thu, 27 Feb 2020 13:29:41 GMT
+    body:
+      encoding: UTF-8
+      string: '{ "statusCode": 401, "message": "Access denied due to invalid subscription
+        key. Make sure to provide a valid key for an active subscription." }'
+    http_version: null
+  recorded_at: Thu, 27 Feb 2020 13:29:41 GMT
+recorded_with: VCR 5.1.0
diff --git a/spec/features/remittance_spec.rb b/spec/features/remittance_spec.rb
new file mode 100644
index 0000000..8c966b6
--- /dev/null
+++ b/spec/features/remittance_spec.rb
@@ -0,0 +1,38 @@
+# frozen_string_literal: true
+
+require 'spec_helper'
+
+RSpec.describe Momoapi::Disbursement do
+  before(:all) do
+    Momoapi.configure do |config|
+      config.base_url = 'https://sandbox.momodeveloper.mtn.com'
+      config.callback_host = 'https://webhook.site/8e412414-2154-4d06-90c4-5e141c9f2910'
+      config.remittance_primary_key = 'd314b91c889340b682a9a3144a9ffd1b'
+      config.remittance_user_id = 'cf028de4-7341-41c0-b4ff-3fa190b77236'
+      config.remittance_api_secret = 'dcacc115e6fd4669b1db622d4b949947'
+    end
+  end
+
+  describe 'remittances', vcr: { record: :new_episodes } do
+    it 'gets balance' do
+      expect { Momoapi::Remittance.new.get_balance }
+        .to raise_error(Error::APIError)
+    end
+
+    it 'gets transaction status' do
+      ref = '888a79ff-0535-4a9f-8a66-457f7903bd8ab'
+      expect { Momoapi::Remittance.new.get_transaction_status(ref) }
+        .to raise_error(Error::APIError)
+    end
+
+    it 'makes transfer' do
+      expect do
+        Momoapi::Remittance.new.transfer(
+          '0775671360',
+          '5.0', '6353636',
+          'testing', 'testing', 'EUR'
+        )
+      end .to raise_error(Error::APIError)
+    end
+  end
+end