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Payout funds

Inflow supports two payout flows:
  • Payout management API: register payout bank accounts, create manual payouts, and list payout history. These endpoints use an authenticated dashboard Bearer JWT and an organization ID.
  • Wallet withdrawal API: withdraw directly from an NGN wallet. This endpoint uses an organization API key.
Use the payout-management API when your integration needs scheduled/manual payouts and bank-account records. Use the wallet withdrawal API for a direct NGN transfer.
The API-reference pages for bank accounts and manual payouts require the Bearer token from an authenticated dashboard session. The POST /v1/wallets/ngn/withdraw endpoint instead accepts an gtw_sk_... API key.

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Check a wallet balance

Retrieve a single currency wallet when preparing a withdrawal:
Use List wallets when you need balances for all available currencies.

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Withdraw NGN from an API-key integration

The withdrawal amount is in naira. Inflow charges a flat NGN 50 fee in addition to the amount requested, so confirm that the wallet has at least amount + 50 available.

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Use the payout-management API

For organization-managed payouts, first add a payout bank account, then create a manual payout. Use List payouts to reconcile payout status and history.

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Pay a GlobalTravelWallet user

Organizations can disburse funds directly to a GlobalTravelWallet user in any same-currency corridor:
  1. Resolve recipient: Call GET /v1/payout-recipients/gtw/{publicId} with the recipient’s 10-character publicId to verify their masked name and eligible currencies.
  2. Add payout account: Register a beneficiary using POST /v1/payout-accounts with accountType: "gtw_wallet", currency, accountName, and accountNumber set to the publicId.
  3. Execute payout: Create a payout via POST /v1/payouts. Same-currency GTW payouts execute automatically and credit the recipient’s GTW wallet instantly.

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Safely handle payouts

Validate the beneficiary’s details before creating a withdrawal. Save transactionId, reference, and providerReference from the response, then show the recipient and total debited in your payout confirmation. If Inflow returns 400, review the input and wallet balance; the amount plus the NGN 50 fee may exceed the available funds. Never automatically retry a payout after an ambiguous network failure without first checking your internal reconciliation records, as a retry can result in a second bank transfer.