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:

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.

Checkout initiate request (excerpt)
{
  "amount": 5000,
  "currency": "NGN",
  "source_reference": "order_10234"
}