Payouts

Send money out to any Nigerian bank account

Withdraw funds directly from your wallet to any Nigerian bank account.

Payouts are enabled per-merchant. If it isn’t enabled on your account, these endpoints return 403 with "error_code": "PAYOUT_DISABLED" — contact support to request access. Limits (min, max per transaction, hourly, daily) are also configured per account; check yours in the merchant dashboard.

Payouts move real money out, so on top of the usual per-minute rate limit, this endpoint caps you at 20 attempts per hour per IP and a configurable number of attempts per hour per account (RATE_LIMITED / IP_RATE_LIMITED if you exceed either — both responses include retry_after in seconds).

Get Bank List

GET /api/v1/payout/banks

Returns supported banks for payout.

Response

{
    "success": true,
    "data": [
        { "bank_code": "000001", "bank_name": "ACCESS BANK" }
    ]
}

---

Verify Bank Account

POST /api/v1/payout/verify-account

Resolves an account number to the account holder’s name before you send a transfer — always verify before calling Process Payout.

bank_code · string · required

Bank code from Get Bank List.

account_number · string · required

10-digit NUBAN account number.

Response

{
    "success": true,
    "data": {
        "account_number": "0123456789",
        "account_name": "JOHN DOE",
        "bank_code": "000001"
    }
}

---

Process Payout / Transfer

POST /api/v1/payout/transfer

amount · number · required

Amount to withdraw in Naira (subject to your account’s minimum).

bank_code · string · required

Bank code from Get Bank List.

account_number · string · required

10-digit NUBAN account number.

account_name · string · required

Account holder name — use the value Verify Bank Account returned.

bank_name · string · required

e.g. "Access Bank".

reference · string

A unique value you choose. Auto-generated if omitted. Must be unique across all your payouts.

narration · string

Transaction narration/description.

curl -X POST "https://www.abcmpay.com/api/v1/payout/transfer" \
  -H "X-Api-Key: your-public-key" \
  -H "X-Api-Secret: your-secret-key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "bank_code": "000001",
    "account_number": "0123456789",
    "account_name": "JOHN DOE",
    "bank_name": "Access Bank",
    "reference": "PAYOUT_20260215120000"
}'

Response (201)

{
    "success": true,
    "data": {
        "reference": "PAYOUT_20260215120000",
        "amount": 5000,
        "fee": 50,
        "total_deducted": 5050,
        "net_amount": 5000,
        "order_no": "MI2053495351264129024",
        "status": "processing",
        "account": "****6789",
        "created_at": "2026-02-15T12:00:00Z"
    }
}

Your wallet is charged total_deducted (amount + fee) immediately, before the transfer settles — the fee is 1%, capped at ₦1,000. A payout at or above your account’s admin-review threshold comes back with "status": "pending_approval" instead: your wallet is still debited (reserved), but the transfer is held until an admin approves it. Your webhook or the status endpoint below tells you when it actually completes.

Status values

Status	Meaning
pending	Just created, not yet sent
pending_approval	Held for admin review (large amount) — wallet already debited
processing	Sent to the bank, awaiting confirmation
completed	Funds delivered
failed	Transfer failed — funds are returned to your wallet

---

Check Payout Status

GET /api/v1/payout/status?reference={reference}

Response

{
    "success": true,
    "data": {
        "reference": "PAYOUT_20260215120000",
        "amount": 5000,
        "fee": 50,
        "total_deducted": 5050,
        "net_amount": 5000,
        "order_no": "MI2053495351264129024",
        "status": "completed",
        "account": "****6789",
        "created_at": "2026-02-15T12:00:00Z",
        "processed_at": "2026-02-15T12:00:04Z",
        "source": "api",
        "error": null
    }
}