Cash PickUp

Fincra allows a recipient of a money transfer to retrieve their funds in cash from a physical location, rather than having them deposited electronically into a bank account.

Cash pickup is a fast, simple, convenient, secure, and affordable way of transferring money that allows individuals to send money to another person who can then pick up the cash in person from a designated location, such as a bank or a money transfer agent. The sender typically initiates the transaction online or through a mobile app and provides the necessary details, including the amount to be transferred and the recipient's name and location. The recipient then goes to the designated location with valid identification to collect the cash.
This service is commonly used for domestic and international money transfers and provides a convenient and secure way for individuals to send and receive cash.

Please Note
At the moment, the only available currency for this service is USD.
Also the Minimum amount required to use this service is $10 .

Field	Mandatory	Type	Description
business	Yes	String	The ID of the business making the payout.
sourceCurrency	Yes	String	The currency which is used to fund the payout
destinationCurrency	Yes	String	The currency in which the recipient will be receiving funds
amount	Yes	String	The value that is to be transferred from the source currency wallet.
paymentDestination	Yes	String	This is the type of account you want to send your payments to, see payment destinations for more details. e.g "cash_pick_up" for cash pick up.
sender	Yes	Object	The sender of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
sender.firstName	Yes	String	The first name of the sender.
sender.lastName	Yes	String	The last name of the sender.
sender.email	Yes	String	The email of the sender
sender.phone	Yes	String	The sender's phone number. Please Remove the country code and the leading zero from the number.
sender.birthDate	Yes	String	The birthdate of the sender. Sender's `birthDate` should be in this format: `YYYY-MM-DD`
sender.address	Yes	Object	The sender address Object
sender.address.country	Yes	String	The sender address Country. This field should be in ISO 3166-1 alpha-2 codes e.g NG, GB
sender.address.state	Yes	String	The state in the sender address. Input a 2-letter abbreviation of the sender's state. For example, TX, NY, WA. Non-US default: 01.
sender.address.postalCode	Yes	String	The sender's address postal code
sender.address.city	Yes	String	The sender's address city
sender.address.street	Yes	String	The sender's address street
beneficiary	Yes	Object	The recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstName	Yes	String	The first name of the beneficiary.
beneficiary.middleName	Yes	String	The middle name of the beneficiary
beneficiary.lastName	Yes	String	The last name of the beneficiary
beneficiary.email	No	String	The beneficiary email address
beneficiary.type	Yes	String	The type of beneficiary, see beneficiary types for more details
beneficiary.phone	Yes	String	The beneficiary's phone number is significant as this is used to deliver the OTP code to receive payments at the bank. Please Remove the country code and the leading zero from the number.
beneficiary.address	Yes	Object	The beneficiary address object
beneficiary.address.country	Yes	String	The country in which the beneficiary address is located. This field should be in ISO 3166-1 alpha-2 codes e.g NG, GB
beneficiary.address.state	No	String	The state in the beneficiary address. Input a 2-letter abbreviation of the beneficiary's state. For example, TX, NY, and WA. Non-US default: 01.
beneficiary.address.city	No	String	The beneficiary's address city
beneficiary.address.street	No	String	The beneficiary's address street
beneficiary.cashPickUpLocationCode	Yes	String	This can be gotten by calling List bank endpoint on the country (NG) and check where `"isCashPickUp": true` e.g "NG_CP_LOC_1 "
beneficiary.securityQuestionId	No	String	This can be gotten by calling cash pickup security question endpoint
beneficiary.securityAnswer	No	String	This is an answer to be provided to the security question asked
description	Yes	String	A simple description of payment e.g "From Daniella"
quoteReference	Yes	String	This is the reference generated when the source currency is compared against the destination currency. This is required when the source currency is not the same as the destination currency. You can generate a quote using the Generate quote endpoint.

Make a POST request to create a payout endpoint passing the payload below.

{
    "business": "63da866cb938c4e0b871f514",
    "sourceCurrency": "EUR",
    "destinationCurrency": "USD",
    "amount": "10.00",
    "paymentDestination": "cash_pick_up",
    "sender": {
        "firstName": "Haishat",
        "lastName": "Technologies",
        "birthDate": "1997-10-21",
        "email": "[email protected]",
        "phone": "09090909098",
        "address": {
            "country": "NG",
            "street" : "Mayor",
            "city": "Maoe",
            "postalCode": "234",
            "state": "LG"
        }
    },
    "beneficiary": {
        "firstName": "Ayo",
        "middleName": "Reciever",
        "lastName": "Technologies",
        "email": "[email protected]",
        "type": "individual",
        "phone": "090445023922",
        "address": {
            "state": "LG",
            "country": "NG",
            "street": "12, Maryland, Ikeja"
        },
        "cashPickUpLocationCode": "NG_CP_LOC_1",
        "securityQuestionId": 1,
        "securityAnswer": "Omolola Williams"
    },
    "description": "From Hai",
    "quoteReference": "7f491da7-44f0-4a33-aac6-0a3c7da4732a"
}

To get Cash Pickup Questions, make a GET request to cash pickup security question

Please Note

Ensure the beneficiary’s first, middle, and last name agrees to the beneficiary’s Government-issued ID
The beneficiary's phone number is significant as this is used to deliver the OTP code to receive payments at the bank.
The minimum payout amount for cash pick-up is 10USD