How it works

Blinqpay Payout APIs allow a merchant to initiate payouts from her Blinqpay Wallet to any Nigerian bank account. All the tools to completely automate your payout processes are provided

Implementing the Payout Workflow

List all Banks available in Nigeria
Validate destination Bank Account
Initiate Transfer
Get transfer Details

1. Find destination bank code from Nip Banks Endpoint

https://api.blinqpay.io/api/v1/wallet/get-nip-banks

Sample response from the above request

{
   "status":true,
   "message":"Success",
   "data":[
      {
         "bankCode":"110005",
         "bankName":"3LINE CARD MANAGEMENT LIMITED"
      },
      {
         "bankCode":"120001",
         "bankName":"9 PAYMENT SOLUTIONS BANK"
      },
      {
         "bankCode":"090270",
         "bankName":"AB MICROFINANCE BANK"
      }
   ]
}

2. Validate Destination Bank

This allows you check if an account number is a valid NUBAN, get the account name if valid.

https://api.blinqpay.io/api/v1/wallet/validate-account?accountNumber=7157857196&bankCode=000017

Request body
Make a get request to the validate endpoint with the following field to resolve an account number

Parameter	Description
accountNumber	Required, Account Number to be resolved
bankCode	Bank Code of the destination Bank

Sample response from the validate endpoint

{
    "status": true,
    "message": "Success",
    "data": {
        "bankCode": "000017",
        "accountName": "Olaolu Adejide",
        "transactionReference": "",
        "bvn": "",
        "responseMessage": " Approved or completed successfully",
        "accountNumber": "7157857196",
        "responseCode": "00"
    }
}

3. Initiate Single Transfer

{
  "amount": 100,
  "reference": "reference1293434134BLQLJL",
  "narration": "Blinqpay test Payout",
  "bankCode": "000017",
  "accountNumber": "0248244610",
  "currency": "NGN",
  "walletAddress": "4478868335460",
  "subAccountWalletAddress": "fkmy706030625a2d9f480b14a84a3a97b5345",
  "beneficiaryAccountName": "Oluwatosin Makinde"
}