Initiate Payout

⚠️ Important Notes

• Bank code should be same as the one used for name inquiry

  Ensure consistency between the bank code used during name enquiry and payout initiation.

• You need to keep our response. This is what will be used to query the transaction

  Store the response (especially the reference ID) from the payout initiation. You'll need it to check status or handle reconciliation.

Transaction Statuses Explained

Status	Meaning
pending	Transaction has been received but not yet processed.
processing	The transaction is currently being handled by the system or bank.
completed	The transaction was successful and funds were delivered.
failed	The transaction was not successful. See error details for more context.

ℹ️ Only completed should be treated as a successful transaction.

Initiate a payout

post

Authorizations

bearerAuth

AuthorizationstringRequired

Bearer authentication header of the form Bearer <token>.

Header parameters

X-CLIENTIDstringRequired

Client identifier for the API.

Example: sdfgfd-sdfgf4d-sdfgfdsd-sdfgfds

Body

application/json

currencystringOptional

The currency of the payout.

Example: NGN

amountnumberOptional

The amount to be paid out.

Example: 100

narrationstringOptional

A description or reason for the payout.

Example: Test Payout

merchant_referencestringOptional

The reference for the merchant's payout request.

Example: ptest020

webhook_urlstringOptional

URL for webhook notifications related to this payout.

Example: https://webhook.site/3419fdea-d111-4045-a8c1-17df102cb3c4

Responses

200

Payout initiated successfully.

application/json

statusstringOptional

The status of the payout initiation.

Example: Processing

transaction_idstringOptional

Unique ID of the payout transaction.

Example: txn_12345

messagestringOptional

Amount Paid.

Example: 100.00

400

Bad Request - Invalid data or missing required fields.

application/json

401

Unauthorized - Missing or invalid credentials.

application/json

500

Server error

application/json

post

/v1/payment/initiate-payout/

HTTPcURLJavaScriptPython

POST /v1/payment/initiate-payout/ HTTP/1.1
Host: disbuzapi.celergate.net
Authorization: Bearer YOUR_SECRET_TOKEN
X-CLIENTID: text
Content-Type: application/json
Accept: */*
Content-Length: 271

{
  "currency": "NGN",
  "amount": 100,
  "narration": "Test Payout",
  "merchant_reference": "ptest020",
  "beneficiary": {
    "account_number": "1049368760",
    "bank_code": "033",
    "bank_name": "UBA",
    "account_name": "John Doe"
  },
  "webhook_url": "https://webhook.site/3419fdea-d111-4045-a8c1-17df102cb3c4"
}

{
  "status": "Processing",
  "reference": "txn_12345",
  "amount": "100.00"
}