Nigeria Beneficiary

We support transfers to bank accounts in Nigeria through bank transfers.

Here is a sample request to add a beneficiary:

cURL

curl --location '{{baseURL}}/beneficiaries' \
    --header 'Content-Type: application/json' \
    --header 'Authorization: Bearer {{APIKEY}}' \
    --data '{
        "reference": "<samplereference>",
        "callbackUrl": "https://webhook.site/38a9e65e-3388-4399-89d4-3ceafa8173dd",
        "country": "NG",
        "currency": "NGN",
        "destination": {
            "type": "BANK",
            "bankCode": "000005",
            "accountNumber": "1234567890",
            "sender": {
                "type": "BUSINESS",
                "city": "Sample City",
                "address": "123 Example Street",
                "country": "United States",
                "postCode": "00000",
                "accountName": "Sample Business LTD"
            }
        }
    }'

The parameters for adding Nigerian bank account beneficiaries are:

Parameter	Description	Required
type	This is the payment type. It must be `BANK`	✅
accountNumber	Account number of the beneficiary	✅
bankCode	Code of the receiving bank	✅
sender	Sender information varies depending on type. Sender type can either be BUSINESS or INDIVIDUAL.	✅

💡

The sender object is used for cross-border remittance compliance reporting. The country field accepts either the full country name (e.g. "United States") or the ISO-3166 alpha-2 code (e.g. "US") — values are normalized to alpha-2 server-side.

Sender Parameters (Business)

Parameter	Description	Required
sender[type]	Type of sender. Must be "BUSINESS".	✅
sender[city]	Sender's city	✅
sender[address]	Sender's street address	✅
sender[country]	Sender's country (full name or ISO-3166 alpha-2 code)	✅
sender[postCode]	Sender's postcode	✅
sender[accountName]	Registered business name	✅

Sender Parameters (Individual)

Parameter	Description	Required
sender[type]	Type of sender. Must be "INDIVIDUAL".	✅
sender[city]	Sender's city	✅
sender[address]	Sender's street address	✅
sender[country]	Sender's country (full name or ISO-3166 alpha-2 code)	✅
sender[postCode]	Sender's postcode	✅
sender[firstName]	Sender's first name	✅
sender[lastName]	Sender's last name	✅

USD payouts via SWIFT

Below is a sample request for creating a SWIFT beneficiary in Nigeria:

cURL

curl --location '{{baseURL}}/beneficiaries' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {{APIKEY}}' \
--data '{
    "reference": "<samplereference>",
    "customerEmail": "ray.jon@mail.com",
    "callbackUrl": "https://webhook.site/38a9e6b0-3388-4399-89d4-3ceafa000001",
    "country": "NG",
    "currency": "USD",
    "destination": {
        "type": "SWIFT",
        "accountName": "Chinedu Okafor",
        "accountNumber": "0123456789",
        "swiftCode": "ZEIBNGLA",
        "bankName": "Zenith Bank Plc",
        "bankAddress": "Plot 84 Ajose Adeogun Street",
        "bankCity": "Lagos",
        "bankPostCode": "101241",
        "bankCountry": "NG",
        "remittancePurpose": "FAMILY_SUPPORT",
        "beneficiary": {
            "type": "INDIVIDUAL",
            "country": "NG",
            "city": "Lagos",
            "state": "Lagos",
            "postCode": "101241",
            "address": "15 Adeola Odeku Street",
            "phoneNumber": "+15551234567",
            "nationality": "NG",
            "idType": "PASSPORT",
            "idNumber": "P1234567",
            "idExpiration": "2030-01-15",
            "gender": "MALE",
            "dateOfBirth": "1990-05-20"
        },
        "sender": {
            "type": "INDIVIDUAL",
            "accountName": "Jane Doe",
            "country": "US",
            "city": "New York",
            "state": "NY",
            "address": "123 Main St",
            "postCode": "10001",
            "phoneNumber": "+12125550123",
            "email": "jane.doe@example.com",
            "gender": "FEMALE",
            "idType": "PASSPORT",
            "idNumber": "US1234567",
            "idIssueDate": "2020-06-01",
            "dateOfBirth": "1990-01-15",
            "countryOfBirth": "US",
            "complianceDocument": {
                "proofOfIdentity": "<document-reference>"
            }
        }
    }
}'

The parameters for adding Nigeria SWIFT beneficiaries are:

Parameter	Description	Required
type	This is the payment type. It must be `SWIFT`	✅
accountName	Name on the receiving bank account	✅
accountNumber	Account number or IBAN of the receiving account	✅
swiftCode	SWIFT/BIC of the receiving bank (8 or 11 characters)	✅
bankName	Name of the receiving bank	✅
bankAddress	Street address of the receiving bank	✅
bankCity	City of the receiving bank	✅
bankPostCode	Post code of the receiving bank	✅
bankCountry	Country of the receiving bank. Must be `NG`	✅
remittancePurpose	Purpose of the transfer. See the SWIFT guide for accepted values	✅
beneficiary	Account holder details. See the SWIFT guide	✅
sender	Sender details including `complianceDocument`. See the SWIFT guide	✅

📘

The beneficiary and sender objects, the sender complianceDocument, and every accepted enumeration value are documented in the SWIFT Beneficiary guide.

Niger Beneficiary Norway Beneficiary