Atlas DocumentationPayouts
Initiate Bank Payout
Initiate a single bank-transfer payout from the authenticated business wallet.
Authorization
BearerAuth AuthorizationBearer <token>
In: header
Request Body
application/json
TypeScript Definitions
Use the request body type in TypeScript.
Response Body
application/json
application/json
application/json
application/json
application/json
application/json
application/json
curl -X POST "https://example.com/api/v1/payout/bank-transfer" \ -H "Content-Type: application/json" \ -d '{ "account_number": "1234567890", "bank_code": "000000", "bank_name": "Test Bank", "account_name": "John Doe", "amount": 200, "narration": "Payment for services rendered", "type": "bank_transfer", "currency": "NGN" }'{
"id": "019914a8-c4d0-7131-a5c9-b008f622813a",
"recipientAccountName": "Test User",
"recipientAccountNumber": "123443231",
"recipientBankName": "Access Bank Plc",
"sourceReference": "SRC_PAYOUT_001",
"reference": "TRN_R67QZJVLLY",
"paymentChannel": "Bank Transfer",
"sessionId": "1SDW323RWD234FRGTD24F3R22",
"narration": "Sending money ...",
"amount": {
"value": 20000,
"currency": "NGN",
"formatted": "NGN 200.00"
},
"balance": {
"value": 10000,
"currency": "NGN",
"formatted": "NGN 100.00"
},
"status": "Pending",
"fee": [
{
"id": "019914a8-c4d0-7131-a5c9-b008f622813a",
"recipientAccountName": "Test User",
"recipientAccountNumber": "123443231",
"recipientBankName": "Access Bank Plc",
"sourceReference": "SRC_PAYOUT_001",
"reference": "TRN_R67QZJVLLY",
"paymentChannel": "Bank Transfer",
"sessionId": "1SDW323RWD234FRGTD24F3R22",
"narration": "Sending money ...",
"amount": {
"value": 20000,
"currency": "NGN",
"formatted": "NGN 200.00"
},
"balance": {
"value": 10000,
"currency": "NGN",
"formatted": "NGN 100.00"
},
"status": "Pending"
}
]
}{
"requestId": "f006ad7b-096c-4254-8c7e-2d23a55b0b0e",
"requestTimestamp": "2025-09-04 11:49:40",
"message": "Invalid request data or insufficient funds.",
"statusCode": 400
}{
"requestId": "f006ad7b-096c-4254-8c7e-2d23a55b0b0e",
"requestTimestamp": "2025-09-04 11:49:40",
"message": "Invalid API key.",
"statusCode": 401
}{
"requestId": "f006ad7b-096c-4254-8c7e-2d23a55b0b0e",
"requestTimestamp": "2025-09-04 11:49:40",
"message": "Incorrect PIN or access denied.",
"statusCode": 403
}{
"requestId": "f006ad7b-096c-4254-8c7e-2d23a55b0b0e",
"requestTimestamp": "2025-09-04 11:49:40",
"message": "The given data was invalid.",
"errors": {
"account_number": [
"The account number must be valid."
],
"amount": [
"The amount must be greater than 0."
]
},
"statusCode": 422
}{
"requestId": "f006ad7b-096c-4254-8c7e-2d23a55b0b0e",
"requestTimestamp": "2025-09-04 11:49:40",
"message": "An error occurred while processing your request.",
"statusCode": 500
}{
"requestId": "f006ad7b-096c-4254-8c7e-2d23a55b0b0e",
"requestTimestamp": "2025-09-04 11:49:40",
"message": "Banking service is temporarily unavailable.",
"statusCode": 503
}How is this guide?