Nigeria Payouts

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

Mobile wallet (OPay)

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

Example requests

Bank transfer

1
{
2
  "merchantId": "your-merchant-id",
3
  "merchantReference": "PAYOUT-NG-001",
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  "destinationValue": {
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    "minorAmount": 1000000,
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    "currency": "NGN"
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  },
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  "paymentMethodId": "banktransfer",
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  "paymentLocation": "NGA",
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  "recipient": {
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    "type": "bank_account",
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    "accountNumber": "0123456789",
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    "bankCode": "044",
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    "accountHolderName": "John Doe",
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    "country": "NGA"
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  }
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}

Mobile wallet (OPay)

1
{
2
  "merchantId": "your-merchant-id",
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  "merchantReference": "PAYOUT-NG-002",
4
  "destinationValue": {
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    "minorAmount": 500000,
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    "currency": "NGN"
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  },
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  "paymentMethodId": "mobilemoney",
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  "paymentLocation": "NGA",
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  "recipient": {
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    "type": "mobile_money",
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    "phoneNumber": "2348012345678",
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    "country": "NGA",
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    "operator": "opay",
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    "name": "Ada Obi"
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  }
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}

Bank codes

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

Related guides

• Nigeria Bank Codes
• Bank Transfers
• Mobile Wallet
• Supported Destinations