> ## Documentation Index
> Fetch the complete documentation index at: https://docs.inflowafrica.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payout funds

> Check your organization balance and withdraw NGN to a Nigerian bank account.

# 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.

<Note>
  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.
</Note>

## Check a wallet balance

Retrieve a single currency wallet when preparing a withdrawal:

```bash theme={null}
curl "$INFLOW_BASE_URL/v1/wallets/NGN" \
  --header "Authorization: Bearer $INFLOW_API_KEY"
```

```json theme={null}
{
  "data": {
    "id": "8d90d093-9eaa-4a33-9775-6f987c086048",
    "currency": "NGN",
    "balance": 125000,
    "isActive": true,
    "accountNumber": null,
    "accountName": null,
    "bankName": null
  }
}
```

Use [List wallets](/api-reference/external-api--wallets/list-wallets) when you need balances for all available currencies.

## 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.

```bash theme={null}
curl --request POST "$INFLOW_BASE_URL/v1/wallets/ngn/withdraw" \
  --header "Authorization: Bearer $INFLOW_API_KEY" \
  --header "Content-Type: application/json" \
  --data '{
    "accountNumber": "0123456789",
    "bankCode": "058",
    "accountName": "Ada Okafor",
    "amount": 10000
  }'
```

```json theme={null}
{
  "data": {
    "transactionId": "df7c0a38-9210-4f40-af29-e35fa7e9c3cc",
    "reference": "WD-20260724-001",
    "amount": 10000,
    "fee": 50,
    "totalDebited": 10050,
    "currency": "NGN",
    "status": "SUCCESS",
    "providerReference": "provider-session-id",
    "accountNumber": "0123456789",
    "bankCode": "058",
    "accountName": "Ada Okafor"
  }
}
```

## Use the payout-management API

For organization-managed payouts, first [add a payout bank account](/api-reference/external-api--payouts/add-payout-bank-account), then [create a manual payout](/api-reference/external-api--payouts/create-manual-payout). Use [List payouts](/api-reference/external-api--payouts/list-payouts) to reconcile payout status and history.

## 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.

## 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.