March 2026
All changes`source_reference` is required for checkouts and API payouts
Initiating a checkout, or a bank transfer payout through the API, now requires a source_reference.
source_reference is now required when you:
- initiate a checkout, and
- create a bank transfer payout through the API.
Requests without it fail validation.
What you need to do
Send your own ID for the request as source_reference, and store it so you can look the record up later.
{
"amount": 5000,
"currency": "NGN",
"source_reference": "order_10234"
}