Payouts

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.

string

required

Bank code from Get Bank List.

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

number

required

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

string

required

Bank code from Get Bank List.

string

required

10-digit NUBAN account number.

string

required

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

string

required

e.g. "Access Bank".

string

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

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
    }
}

API Reference

Resources

Getting Started

Get Bank List

Verify Bank Account

Process Payout / Transfer

Status values

Check Payout Status

​Get Bank List

​Verify Bank Account

​Process Payout / Transfer

​Status values

​Check Payout Status

Get Bank List

Verify Bank Account

Process Payout / Transfer

Status values

Check Payout Status