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Nigeria Payouts

NGN payouts to banks and OPay wallets

Use this guide when you want to send NGN payouts to recipients in Nigeria. Nigeria supports bank transfers and mobile wallets (OPay).

Overview

  • Currency: NGN
  • Payment location: NGA
  • Supported rails: Bank transfer, Mobile wallet
  • Payment methods:
    • Bank transfer → paymentMethodId: "banktransfer", recipient.type: "bank_account"
    • Mobile wallet → paymentMethodId: "mobilemoney", recipient.type: "mobile_money"

Required fields by rail

Bank transfer

FieldRequiredNotes
accountNumberYesNigerian bank account number
bankCodeYesLocal bank code
accountHolderNameYesName on the account
countryYesNGA
phoneNumberNoInternational format

Mobile wallet (OPay)

FieldRequiredNotes
phoneNumberYesMSISDN in international format
countryYesNGA
operatorYesUse opay
nameNoRecipient name

Top-level required fields for every payout: merchantId, merchantReference, destinationValue (with minorAmount and currency), paymentMethodId, paymentLocation, recipient, sender (see Sender details).

Sender details (required)

Every payout requires a sender object for KYT/KYC screening. fullName, identity, and identityNumber are required; the remaining sender fields are optional but may be required by certain destinations.

FieldRequiredNotes
fullNameYesSender’s full name
identityYesIdentity document type: passport, nationalId, driversLicense, residencePermit, businessRegistrationNumber, or other
identityNumberYesIdentity document number

See Create Payout for the full sender schema.

Example requests

Bank transfer

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-NG-001",
  "destinationValue": {
    "minorAmount": 1000000,
    "currency": "NGN"
  },
  "paymentMethodId": "banktransfer",
  "paymentLocation": "NGA",
  "recipient": {
    "type": "bank_account",
    "accountNumber": "0123456789",
    "bankCode": "044",
    "accountHolderName": "John Doe",
    "country": "NGA"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Mobile wallet (OPay)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-NG-002",
  "destinationValue": {
    "minorAmount": 500000,
    "currency": "NGN"
  },
  "paymentMethodId": "mobilemoney",
  "paymentLocation": "NGA",
  "recipient": {
    "type": "mobile_money",
    "phoneNumber": "2348012345678",
    "country": "NGA",
    "operator": "opay",
    "name": "Ada Obi"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Bank codes

For a complete list of supported Nigerian bank codes to use in the recipient.bankCode field, see the Nigeria Bank Codes reference.