Nigeria: NGN

Supported payment rails

Rail	Description	Settlement	Limit
`NG_BANK_PAYOUT`	Nigeria local bank payout. Country-dependent availability. Real-time cut-off.	Real-time to 48 hours	₦5,000,000

For details on rail selection, see Payment rail reference.

Beneficiary identity

When creating a beneficiary identity for NGN payments, provide the following fields. See Create and manage identities for the API workflow.

The required fields depend on whether the beneficiary is a business or an individual.

Business beneficiary

Applies to B2B, B2B2B, and C2B2B use cases. Submit a business identity.

Field	Required	Type	Constraints
`businessName`	Required	STRING	1–140 characters.
`address.streetAddress`	Required	ARRAY of STRING	Each item 1–70 characters.
`address.city`	Required	STRING	1–140 characters.
`address.stateOrProvince`	Required	STRING	1–140 characters.
`address.postalCode`	Required	STRING	3–15 characters.
`address.country`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code.
`phone`	Required	STRING	8–16 characters. Pattern: `^\+[1-9]\d+$` (E.164 format).
`registration`	Required	ARRAY of OBJECT	Each item: `number` (3–35 characters) and `type` (one of `INCORPORATION_CERTIFICATE`, `TAX_ID`). At least one registration entry is required.
`incorporationCountry`	Required	STRING	Two-letter ISO 3166-1 alpha-2 code of the country where the business was incorporated.

Individual beneficiary

Applies to B2C, B2B2C, and C2B2C use cases. Submit an individual identity.

Field	Required	Type	Constraints
`firstName`	Required	STRING	1–140 characters.
`lastName`	Required	STRING	1–140 characters.
`address.streetAddress`	Required	ARRAY of STRING	Each item 1–70 characters.
`address.city`	Required	STRING	1–140 characters.
`address.stateOrProvince`	Required	STRING	1–140 characters.
`address.postalCode`	Required	STRING	3–15 characters.
`address.country`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code.
`phone`	Required	STRING	8–16 characters. Pattern: `^\+[1-9]\d+$` (E.164 format).
`identityDocuments`	Required	ARRAY of OBJECT	Each item: `idNumber` (3–35 characters) and `idType` (one of `ALIEN_REGISTRATION`, `CUSTOMER_ID`, `DRIVERS_LICENSE`, `EMPLOYEE_ID`, `NATIONAL_ID_NUMBER`, `PASSPORT`, `SSN`, `TAX_ID`).
`citizenship`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code of the individual's nationality.
`gender`	Required	ENUM	One of: `MALE`, `FEMALE`, `OTHER`.

Beneficiary financial instrument

When creating a financial instrument for NGN payouts, set financialInstrumentType: NG_BANK_PAYOUT and currency: NGN. Provide the following fields in the ngBankPayout payment rail object. See Create and manage financial instruments for the API workflow.

Field	Required	Type	Constraints
`bankName`	Required	STRING	2–140 characters.
`bankCode`	Required	STRING	1–50 characters. The beneficiary's bank code.
`accountNumber`	Required	STRING	4–21 characters. The beneficiary's bank account number.

Originator identity

When creating an originator identity for NGN payments, provide the following fields. The required fields depend on whether the originator is a business or an individual.

Business originator

Applies to B2B, B2B2B, B2B2C, and B2C use cases. Submit a business identity.

Field	Required	Type	Constraints
`businessName`	Required	STRING	1–140 characters.
`address.streetAddress`	Required	ARRAY of STRING	Each item 1–70 characters.
`address.city`	Required	STRING	1–140 characters.
`address.stateOrProvince`	Required	STRING	1–140 characters.
`address.postalCode`	Required	STRING	3–15 characters.
`address.country`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code.
`phone`	Required	STRING	8–16 characters. Pattern: `^\+[1-9]\d+$` (E.164 format).
`registration`	Required	ARRAY of OBJECT	Each item: `number` (3–35 characters) and `type` (one of `INCORPORATION_CERTIFICATE`, `TAX_ID`). At least one registration entry is required.

Individual originator

Applies to C2B2B and C2B2C use cases. Submit an individual identity.

Field	Required	Type	Constraints
`firstName`	Required	STRING	1–140 characters.
`lastName`	Required	STRING	1–140 characters.
`countryOfBirth`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code.
`address.streetAddress`	Required	ARRAY of STRING	Each item 1–70 characters.
`address.city`	Required	STRING	1–140 characters.
`address.stateOrProvince`	Required	STRING	1–140 characters.
`address.postalCode`	Required	STRING	3–15 characters.
`address.country`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code.
`phone`	Required	STRING	8–16 characters. Pattern: `^\+[1-9]\d+$` (E.164 format).
`citizenship`	Required	STRING	Two-letter ISO 3166-1 alpha-2 country code.

Transaction fields

When creating a payment, provide the following fields. See Create a payment for the API workflow.

Field	Required	Type	Constraints
`purposeCode`	Required	ENUM	See Purpose of payment codes below.
`paymentMemo`	Optional	STRING	0–16 characters.
`paymentMemo`	Payment memo	Optional	STRING	0–16 chars

Purpose of payment codes

Code	Description
`ALLW`	Allowance
`BONU`	Bonus payment
`CISC`	Construction and installation services
`COMM`	Commission
`DEPT`	Deposit
`DOFI`	Deposits with or from offshore financial institutions
`EDSC`	Education services
`EDUC`	Education
`ENGS`	Architectural, engineering, and other technical services
`FAMI`	Family maintenance
`FEES`	Payment of fees
`GDDS`	Purchase or sale of goods
`GDSV`	Purchase or sale of goods and services
`GIFT`	Gift
`GSPM`	Goods for processing and manufacturing services
`GSST`	Goods and services by short-term workers
`GSTR`	Goods and services by travellers
`HLTC`	Home health care
`INTC`	Intra-company payment
`INTE`	Interest
`INVS`	Investment and securities
`IVPT`	Invoice payment
`MACH`	Payment for machinery, non-customized packaged software, or transport equipment
`MDCS`	Medical services
`MFGD`	Payment for manufactured goods
`MMFA`	Payment for miscellaneous manufactured articles
`MP2P`	Mobile peer-to-peer payment
`MRSC`	Maintenance and repair services
`OCDM`	Order cheque domestic
`OCFG`	Order cheque foreign
`OTHR`	Other
`PAYR`	Payroll
`PSFR`	Passenger fare
`REAB`	Real estate abroad
`RELG`	Rental lease general
`SALA`	Salary payment
`SCVE`	Purchase or sale of services
`STDY`	Study
`SUPP`	Supplier payment
`TLLT`	Term loans, long-term
`TLST`	Term loans, short-term
`TRAD`	Trade services
`VIAC`	Visa application charges

Verifying requirements for your scenario

For the exact fields required for your specific use case and payment rail, use the Payload Schema Utility.