# 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](/products/payments-direct-2/api-docs/integration-resources/payment-rail-reference).

## Beneficiary identity

When creating a beneficiary identity for NGN payments, provide the following fields. See [Create and manage identities](/products/payments-direct-2/api-docs/developer-guides/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](/products/payments-direct-2/api-docs/developer-guides/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](/products/payments-direct-2/api-docs/developer-guides/create-a-payment) for the API workflow.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `purposeCode` | Required | ENUM | See [Purpose of payment codes](#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](/products/payments-direct-2/api-docs/integration-resources/payload-schema-utility).