Nigeria

Currency	NGN
Country code	NG
Phone format	Country code 234 + number, digits only, no + (e.g. 2348031234567)
Collect with	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:

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 or poll payment status until state is COMPLETE or FAILED.

Send money

Initiate the payout

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/.

Track it with /send-money/status/ using the returned tracking_id.