# Nigeria

| | |
|---|---|
| Currency | `NGN` |
| Country code | `NG` |
| Phone format | Country code `234` + number, digits only, no `+` (e.g. `2348031234567`) |
| Collect with | [Mobile money push](https://developers.intasend.com/guides/collections/mobile-money-push/) |
| Send with | `provider: "INTASEND-XB"` |

## Networks

| Network | Detected by prefix / `operator_code` |
|---|---|
| Bank transfer (NIBSS) | Default for NGN |

## Collect a payment

Send a mobile money prompt to the customer's phone:

```bash
curl -X POST https://api.intasend.com/api/v1/payment/intasend-xb-push/ \
  -H "Authorization: Bearer $INTASEND_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "amount": 5000,
  "currency": "NGN",
  "country": "NG",
  "phone_number": "2348031234567",
  "api_ref": "order-123"
}'
```

The response contains an `invoice` in `PENDING` or `PROCESSING` state. Wait for the
`collection_event` [webhook](https://developers.intasend.com/guides/webhooks/) or poll [payment status](https://developers.intasend.com/guides/collections/overview/#check-payment-status)
until `state` is `COMPLETE` or `FAILED`.

## Send money

### Initiate the payout

```bash
curl -X POST https://api.intasend.com/api/v1/send-money/initiate/ \
  -H "Authorization: Bearer $INTASEND_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "currency": "NGN",
  "country": "NG",
  "provider": "INTASEND-XB",
  "requires_approval": "NO",
  "callback_url": "https://example.com/intasend/payouts",
  "transactions": [
    {
      "name": "Chidi Obi",
      "account": "0123456789",
      "bank_code": "090270",
      "amount": "5000",
      "narrative": "Payout"
    }
  ]
}'
```

> **Nigerian payouts go to bank accounts**
For `country: "NG"`, `account` is the **bank account number (NUBAN)**, and both `bank_code` and `name` are required. Get bank codes from [`GET /send-money/bank-codes/ng/`](https://developers.intasend.com/guides/send-money/validate-accounts/#bank-codes).

Track it with [`/send-money/status/`](https://developers.intasend.com/guides/send-money/overview/#3-check-status) using the returned `tracking_id`.