Initiate Payout From Wallet

This endpoint initiates a bank payout from a specific NGN wallet using wallet_code. It is for merchants enabled for multiple NGN wallets.

Endpoint

POST https://backendapi.sayswitchgroup.com/api/v1/bank_transfer/wallet

Headers

Authorization: Bearer YOUR_SECRET_KEY
Content-Type: application/json

Request Body

{
  "account_name": "John Doe",
  "account_number": "1234567890",
  "amount": "1000",
  "bank_code": "100004",
  "bank_name": "OPAY",
  "currency": "NGN",
  "wallet_code": "NGN169XXXX",
  "narration": "Vendor payout",
  "reference": "MW_PAYOUT_001"
}

Request Parameters

Parameter	Type	Required	Description
`account_name`	string	Yes	Recipient account name
`account_number`	string	Yes	Recipient account number
`amount`	string/number	Yes	Amount to transfer
`bank_code`	string	Yes	Bank code
`bank_name`	string	Yes	Bank name
`currency`	string	Yes	Must be `NGN`
`wallet_code`	string	Yes	Wallet to debit
`narration`	string	Yes	Payout description
`reference`	string	Yes	Unique payout reference

Sample cURL

curl -X POST "https://backendapi.sayswitchgroup.com/api/v1/bank_transfer/wallet" \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "account_name": "John Doe",
    "account_number": "1234567890",
    "amount": "1000",
    "bank_code": "100004",
    "bank_name": "OPAY",
    "currency": "NGN",
    "wallet_code": "NGN169XXXX",
    "narration": "Vendor payout",
    "reference": "MW_PAYOUT_001"
  }'

Sample Response

{
  "success": true,
  "message": "Transfer successfully logged and Processing",
  "data": {
    "reference": "MW_PAYOUT_001",
    "currency": "NGN",
    "amount": "1000",
    "fee": "15",
    "bank_code": "100004",
    "bank_name": "OPAY",
    "paymentMode": "bank",
    "account_number": "1234567890",
    "account_name": "John Doe",
    "narration": "Vendor payout",
    "domain": "live",
    "status": "pending"
  }
}

Notes

Use /api/v1/bank_transfer for default wallet payout.
Use /api/v1/bank_transfer/wallet when debiting a specific wallet.
wallet_code is required on this endpoint.

Initiate Payout Initiate Bulk Payout