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Bank Account Transfers

This section covers the parameters needed to process payments to bank accounts. Bank account transfers follow the same basic format: make a POST request to our Payout API. However, depending on the type of beneficiary and the account's currency, you might need to give some extra information. 

Common Details

So first, let's go through the basic information needed for any kind of account. You'll need to provide these details.

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.

description

Yes

String

A simple description of payment e.g "From Daniella”

paymentDestination

Yes

String

This is the type of account you want to send your payments to, see payment destinations for more details.

customerReference

Yes

String

The transaction's unique identifier on your system. Customer references prevent duplicate transactions. We advise that you add it to your payload

quoteReference

No

String

This is the reference generated when the source currency is compared against the destination currency.

This is required for cross-currency payouts. You can generate a quote using the Generate quote endpoint.

sender

No

Object

The details of the customer initiating the payout. This is only required for FCY payouts and cross-border merchants/transactions.

sender.type

No

String

One of: individual, corporate

sender.name

No

String

The customer's full name. This name would show up in the transfer narration.

sender.email

No

String

The customer's email.

sender.idType

No

String

One of: business_registration_number, passport, national_identification_number, drivers_license

sender.idNumber

No

String

Identity number of selected identification type

sender.countryOfOrigin

No

String

Country code in ISO 3166-alpha2 format (e.g., NG, US, GB).

Only required if sender.type is individual

sender.countryOfIncorporation

No

String

Country code in ISO 3166-alpha2 format (e.g., NG, US, GB).

Only required if sender.type is corporate

sender.address

No

String

Full address of business or individual

sender.birthDate

No

String

Person's date of birth (for individual senders)

NGN Pay-Outs

In addition to the common details needed to process successful payments, the following fields are also required when sending money to a bank account in Nigeria. 

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstNameYesStringThe first name of the beneficiary .
beneficiary.lastNameYesStringThe last name of the beneficiary
beneficiary.accountHolderNameYesStringThis field is required by all type of beneficiaries.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryNoStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailNoStringThe beneficiary's email
beneficiary.bankCodeYesStringThe beneficiary bank code. To get the bank code please see the list banks endpoint codes for more details.

The payload should look like this :

{
    "amount": 5070,
    "beneficiary": {
        "accountHolderName": "Customer Name",
        "accountNumber": "17874878234",
        "bankCode": "044",
        // "country": "NG",
        "firstName": "Customer",
        "lastName": "Name",
        "type": "individual"
    },
    "business": "{{Your Business ID}}",
    "customerReference": "{{$randomUUID}}",
    "description": "Test",
    "destinationCurrency": "NGN",
    "paymentDestination": "bank_account",
    "sourceCurrency": "NGN",
    "sender":{
        "name":"Customer Name",
        "email":"[email protected]"
    }
}
{
    "business": "{{Your business ID}}",
    "sourceCurrency": "NGN",
    "destinationCurrency": "NGN",
    "amount": "1000",
    "description": "i want to pay my vendor",
    "paymentDestination": "bank_account",
    "customerReference": "{{$randomUUID}}",
    "quoteReference": "1330bd3c-1e09-4c1c-887f-7f1d72ff905e",
    "beneficiary": {
        "firstName": "Hassan",
        "lastName": "Sarz",
        "accountHolderName": "Hassan Sarz",
        "country": "NG",
        "phone": "0803443433",
        "accountNumber": "0124775489",
        "type": "corporate",
        "email": "[email protected]",
        "bankCode": "058"
    }
}

ZMW Pay-Outs

In addition to the common details needed to process successful payments, the following fields are also required when sending money to a bank account in Zambia. 

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstNameYesStringThe first name of the beneficiary .
beneficiary.lastNameYesStringThe last name of the beneficiary
beneficiary.accountHolderNameYesStringThis field is required by all type of beneficiaries.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryNoStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailNoStringThe beneficiary's email
beneficiary.bankCodeYesStringThe beneficiary bank code. To get the bank code please see the list banks endpoint codes for more details.

The payload should look like this :

{
    "business": "{{Your Business ID}}",
    "sourceCurrency": "ZMW",
    "destinationCurrency": "ZMW",
    "amount": "121",
    "paymentDestination": "bank_account",
    "customerReference": "{{$randomUUID}}",
    "beneficiary": {
        "firstName": "Test",
        "lastName": "Technologies",
        "email": "[email protected]",
        "accountHolderName": "Tebogo Njoroge",
        "type": "individual",
        "country": "ZM",
        "accountNumber": "260961111111",
        "bankCode": "002"
    },
    "description": "Test",
    "sender": {
        "name": "Customer Name",
        "email":"[email protected]"
    }
}

ZAR Pay-Outs

In addition to the common details needed to process successful payments, the following fields are also required when sending money to a bank account in South Africa. 

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstNameYesStringThe first name of the beneficiary .
beneficiary.lastNameYesStringThe last name of the beneficiary
beneficiary.accountHolderNameYesStringThis field is required by all type of beneficiaries.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryNoStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailNoStringThe beneficiary's email
beneficiary.bankCodeYesStringThe beneficiary bank code. To get the bank code please see the list banks endpoint codes for more details.

The payload should look like this :

{
  "sourceCurrency": "ZAR",
  "destinationCurrency": "ZAR",
  "amount": 10,
  "business": "{{Your Business ID}}",
  "description": "Payment",
  "customerReference": "54c80ef8928989",
  "beneficiary": {
    "firstName": "Customer",
    "lastName": "Name",
    "type": "individual",
    "accountHolderName": "Customer Name",
    "accountNumber": "63892389287",
    "bankCode": "250655",
    "country": "ZA",
    "bankSwiftCode": "FIRNZAJJ"
  },
  "paymentDestination": "bank_account"
}

GHS Pay-Outs

In addition to the common details needed to process successful payments, the following fields are also required when sending money to a bank account in Ghana. 

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstNameYesStringThe first name of the beneficiary .
beneficiary.lastNameYesStringThe last name of the beneficiary
beneficiary.accountHolderNameYesStringThis field is required by all type of beneficiaries.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryNoStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailNoStringThe beneficiary's email
beneficiary.bankSwiftCodeYesStringThe beneficiary bank code. To get the bank code please see the list banks endpoint codes for more details.

The payload should look like this :

{
    "business": "653faf6c5eeb80c89ef7dce4",
    "sourceCurrency": "GHS",
    "destinationCurrency": "GHS",
    "amount": "4.00",
    "paymentDestination": "bank_account",
    "customerReference": "22_01_2014_4_20PM",
    "beneficiary": {
        "firstName": "Test",
        "lastName": "Technologies",
        "email": "[email protected]",
        "accountHolderName": "Test TECHNOLOGIES LTD",
        "accountNumber": "1020820171412",
        "type": "individual",
        "country": "GH",
        "bankSwiftCode": "ABNGGHAC"
    },
    "description": "Payment for services"
}

KES Pay-Outs

In addition to the common details needed to process successful payments, the following fields are also required when sending money to a bank account in Kenya. 

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstNameYesStringThe first name of the beneficiary .
beneficiary.lastNameYesStringThe last name of the beneficiary
beneficiary.accountHolderNameYesStringThis field is required by all type of beneficiaries.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryNoStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailNoStringThe beneficiary's email
beneficiary.bankCodeYesStringThe beneficiary bank code. To get the bank code please see the list banks endpoint codes for more details.

The payload should look like this :

{
    "business": "615eb7015e137543357df000",
    "sourceCurrency": "KES",
    "destinationCurrency": "KES",
    "amount": "55.00",
    "paymentDestination": "bank_account",
    "customerReference": "a12FWEWffeeWWWdEdF322",
    "beneficiary": {
        "firstName": "Test",
        "lastName": "Technologies",
        "email": "[email protected]",
        "accountHolderName": "Test TECHNOLOGIES LTD",
        "accountNumber": "1400005942049",
        "type": "corporate",
        "country": "KE",
        "bankCode": "ZEBLGHAC"
    },
    "description": "has"
}

UGX Pay-Outs

In addition to the common details needed to process successful payments, the following fields are also required when sending money to a bank account in Uganda. 

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.firstNameYesStringThe first name of the beneficiary .
beneficiary.lastNameYesStringThe last name of the beneficiary
beneficiary.accountHolderNameYesStringThis field is required by all type of beneficiaries.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryNoStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailNoStringThe beneficiary's email
beneficiary.bankCodeYesStringThe beneficiary bank code. To get the bank code please see the list banks endpoint codes for more details.

The payload should look like this :

{
  "customerReference": "ABC123XYZ789",
  "sourceCurrency": "UGX",
  "destinationCurrency": "UGX",
  "customerName": "Test User",
  "amount": 10000,
  "paymentDestination": "bank_account",
  "beneficiary": {
    "firstName": "Demo Business Ltd",
    "accountHolderName": "Demo Business Ltd",
    "accountNumber": "1234567890",
    "type": "corporate",
    "country": "UG",
    "bankCode": "UBA",
    "bankName": "United Bank for Africa Uganda Limited",
    "bankSwiftCode": "UNAFUGKA",
    "lastName": null
  },
  "description": "Sample transaction description",
  "sender": {
    "name": "Test Sender",
    "address": "123 Sample Street, Kampala",
    "email": "[email protected]",
    "phone": "+256700000000"
  },
  "business": "1234567890abcdef12345678"
}

GBP Pay-Outs

In addition to the common details needed to process a successful payment, the following fields are also required when sending money to a bank account in the United Kingdom.

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.accountHolderNameYesStringThis field is required by all types of beneficiaries.
beneficiary.accountNumberYesStringThis is the bank account number of the beneficiary.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryYesStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.bankSwiftCodeNoStringThe beneficiary's bank swift code according to ISO9362 . e.g UBSWCHZH80A. Only required for swift transfer.
beneficiary.sortCodeYesStringThe beneficiary's bank sort code. Sort codes are the domestic bank codes used to route money transfers between financial institutions in the United Kingdom, and in the Republic of Ireland. e.g 000000
paymentSchemeYesStringThe payment scheme is relevant to the destination currency and region.

The payload should look like this :

{
    "business": "{{The business ID}}",
    "sourceCurrency": "GBP",
    "destinationCurrency": "GBP",
    "amount": "1000",
    "description": "i want to pay my vendor",
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "Hassan",
        "lastName": "Sarz",
        "accountHolderName": "Hassan Sarz",
        "country": "NG",
        "phone": "0803443433",
        "accountNumber": "GBXXCLJU04130780008933",
        "type": "individual",
        "email": "[email protected]",,
        "sortCode" : "000000"
    },
    "paymentScheme": "fps",
    "quoteReference": "d187b2fa-27cd-43e6-b622-66361e409c6d",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}
{
    "business": "{{The business ID}}",
    "sourceCurrency": "GBP",
    "destinationCurrency": "GBP",
    "amount": "1000",
    "description": "i want to pay my vendor",
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "Hassan",
        "lastName": "Sarz",
        "accountHolderName": "Hassan Sarz",
        "country": "NG",
        "phone": "0803443433",
        "accountNumber": "GBXXCLJU04130780008933",
        "type": "individual",
        "email": "[email protected]",,
        "sortCode" : "000000",
        "bankSwiftCode" : "UBSWCHZH80A"
    },
    "paymentScheme": "chaps",
    "quoteReference": "d187b2fa-27cd-43e6-b622-66361e409c6d",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}

EUR Pay-Outs

In addition to the common details needed to process a successful payment, the following fields are also required when sending money to a bank account in the European Union.

FieldMandatoryTypeDescription
beneficiaryYesObjectThe recipient of the funds. Depending on the currency and beneficiary type, the properties of the beneficiaries are different.
beneficiary.accountHolderNameYesStringThis field is required by all types of beneficiaries.
beneficiary.accountNumberYesStringThis is the IBAN of the beneficiary.
beneficiary.typeYesStringThe type of beneficiary, see beneficiary types for more details
beneficiary.countryYesStringThe country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB
beneficiary.emailYesStringThe type of beneficiary, see beneficiary types for more details
paymentSchemeYesStringThe payment scheme relevant to the destination currency and region.

The payload should look like this :

{
    "business": "{{The business ID}}",
    "sourceCurrency": "EUR",
    "destinationCurrency": "EUR",
    "amount": "1000",
    "description": "i want to pay my vendor",
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "Hassan",
        "lastName": "Sarz",
        "accountHolderName": "Hassan Sarz",
        "country": "NG",
        "phone": "0803443433",
        "accountNumber": "GBXXCLJU04130780008933",
        "type": "individual",
        "email": "[email protected]",
    },
    "paymentScheme": "sepa",
  "quoteReference": "d187b2fa-27cd-43e6-b622-66361e409c6d",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}
{
    "business": "{{The business ID}}",
    "sourceCurrency": "EUR",
    "destinationCurrency": "EUR",
    "amount": "1000",
    "description": "i want to pay my vendor",
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "Hassan",
        "lastName": "Sarz",
        "accountHolderName": "Hassan Sarz",
        "country": "NG",
        "phone": "0803443433",
        "accountNumber": "GBXXCLJU04130780008933",
        "type": "individual",
        "email": "[email protected]",
    },
    "paymentScheme": "sepa",
    "quoteReference": "d187b2fa-27cd-43e6-b622-66361e409c6d",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}

USD Pay-Outs

In addition to the common details needed to process a successful payment, the following fields are also required when sending money to a bank account in the United States.

Also, we have catered for making bank transfers to Nigerian Banks for USD Domiciliary account payments.
Kindly find attached supported bank list here

❗️

Note:

USD Payouts can only be made to USD domiciled banks

Field

Mandatory

Type

Description

files

Yes

String/file/array

A document explaining the reason for the payment. This can be a file upload or an accessible file URL.

paymentScheme

Yes

String

The payment scheme relevant to the destination currency and region.

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.lastName

Yes

String

The last name of the beneficiary .

beneficiary.phoneNumber

No

String

The mobile number of the beneficiary

beneficiary.email

No

String

The beneficiary's email

beneficiary.accountHolderName

Yes

String

This is the bank account number of the beneficiary

beneficiary.accountNumber

Yes

String

This is the bank account number of the beneficiary or phone number if the account is a mobile money wallet.

beneficiary.type

Yes

String

The type of beneficiary, see beneficiary types for more details

beneficiary.country

Yes

String

The country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB

beneficiary.address

Yes

Object

This is only required for swift payments

beneficiary.address.street

Yes

String

beneficiary.address.state

Yes

String

beneficiary.address.city

Yes

String

beneficiary.address.zip

Yes

String

beneficiary.address.country

Yes

String

The country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB

beneficiary.bankName

Yes

String

The name of the beneficiary bank.

beneficiary.bankCode

Yes

String

This

beneficiary.bankSwiftCode

No

String

The bank swift code according to ISO9362 . These two letters indicate the country where the bank is located.e.g UBSWCHZH80A.

Only required for swift transfer.

beneficiary.bankAddress

Yes

Object

Only required for Swift and Fedwire transfers.

beneficiary.bankAddress.street

Yes

String

beneficiary.bankAddress.state

Yes

String

beneficiary.bankAddress.city

Yes

String

beneficiary.bankAddress.zip

Yes

String

beneficiary.bankAddress.country

Yes

String

The country in which the bank of the beneficiary is located. This field should be according to ISO 3166-1 alpha-2 codes standards e.g NG, GB

The payload should look like this :

{
    "customerReference": "{{Your Transaction Reference}}",
    "sourceCurrency": "USD",
    "destinationCurrency": "USD",
    "customerName": "John Doe",
    "amount": 1000,
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "John",
        "email": "[email protected]",
        "address": {
            "street": "123 Main Street",
            "state": "California",
            "city": "Los Angeles",
            "zip": "90001",
            "country": "US"
        },
        "accountHolderName": "John Doe",
        "accountNumber": "9876543210",
        "type": "individual",
        "country": "US",
        "bankName": "Bank of America",
        "bankSwiftCode": "026009593",
        "bankAddress": {
            "street": "100 N Tryon St",
            "state": "North Carolina",
            "city": "Charlotte",
            "zip": "28202",
            "country": "US"
        }
    },
    "files": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
    "paymentScheme": "swift",
    "description": "description",
    "business": "{{Your Business ID}}",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}

{
    "customerReference": "{{Your Transaction Reference}}",
    "sourceCurrency": "USD",
    "destinationCurrency": "USD",
    "customerName": "John Doe",
    "amount": 1000,
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "John",
        "email": "[email protected]",
        "address": {
            "street": "123 Main Street",
            "state": "California",
            "city": "Los Angeles",
            "zip": "90001",
            "country": "US"
        },
        "accountHolderName": "John Doe",
        "accountNumber": "9876543210",
        "type": "individual",
        "country": "US",
        "bankName": "Bank of America",
        "bankCode": "026009593"
    },
    "files": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
    "paymentScheme": "ach",
    "description": "description",
    "business": "{{Your Business ID}}",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}

{
    "customerReference": "{{Your Transaction Reference}}",
    "sourceCurrency": "USD",
    "destinationCurrency": "USD",
    "customerName": "John Doe",
    "amount": 1000,
    "paymentDestination": "bank_account",
    "beneficiary": {
        "firstName": "John",
        "email": "[email protected]",
        "address": {
            "street": "123 Main Street",
            "state": "California",
            "city": "Los Angeles",
            "zip": "90001",
            "country": "US"
        },
        "accountHolderName": "John Doe",
        "accountNumber": "9876543210",
        "type": "individual",
        "country": "US",
        "bankName": "Bank of America",
        "bankCode": "026009593",
        "bankAddress": {
            "street": "100 N Tryon St",
            "state": "North Carolina",
            "city": "Charlotte",
            "zip": "28202",
            "country": "US"
        }
    },
    "files": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
    "paymentScheme": "fed_wire",
    "description": "description",
    "business": "{{Your Business ID}}",
 "sender": {
        "senderType": "business",
        "name": "Example Corp",
        "email": "[email protected]",
        "idType": "business_registration_number",
        "idNumber": "XXXXXX",
        "countryOfOrigin": "XX",
        "address": {
          "street": "Sample Street",
          "state": "Sample State",
          "city": "Sample City",
          "zip": "000000",
          "country": "XX"
        },
        "proofOfAddress": "https://fastly.picsum.photos/id/304/200/300.jpg?hmac=YXd3iLkNQM9NGjwZ31Tiycz66IymYZreYRfvXIrq6l8",
        "websiteAddress": "https://website.com/",
        "birthDate": "01/02/1993",
        "employmentStatus": "employed"
    }
}

Updated about 18 hours ago