Create Beneficiary
Create and save beneficiaries for transfers across multiple payment methods
Overview
The Create Beneficiary endpoint allows you to save recipient information for future transfers. You can create beneficiaries for bank accounts, crypto wallets, and Interac e-Transfer recipients.
Saved beneficiaries can be reused for future transfers without having to re-enter the recipient details each time.
Endpoint
Supported Beneficiary Types
Bank Accounts
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NGN bank accounts
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USD bank accounts (ACH/Wire)
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International bank accounts
Crypto Wallets
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USDT addresses
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USDC addresses
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Multiple chains such as AVAX, ETH, TRX, DOGE, ADA, SOL are supported
Interac
- Canadian recipients via Interac
Create NGN Bank Account Beneficiary
Request Parameters
Must be “bank_account”
Must be “NGN”
Account holder’s name as registered with bank
10-digit Nigerian bank account number
Full bank name
Bank’s unique code - get from List Banks endpoint
Must be nuban
Example Request
Create USD Bank Account Beneficiary
Request Parameters
Must be “bank_account”
Must be “USD”
9-digit ABA routing number
Payment rail to use (“ach” or “wire”)
Bank sort code (if required)
Beneficiary’s address information
Bank’s physical address
Example Request
Create Interac e-Transfer Beneficiary
Request Parameters
Must be “interac”
Must be “CAD”
Type of recipient (“personal” or “business”)
Recipient’s first name
Recipient’s last name
Recipient’s email registered with Interac
Recipient’s phone number (optional)
Security question for manual deposits
Answer to security question
Example Request
Response Format
Created beneficiary details
Success Response Example
Error Handling
Validation Rules
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NGN Bank Accounts
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Account numbers must be 10 digits
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Bank code must be valid
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Account name must match bank records
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USD Bank Accounts
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Routing numbers must be 9 digits
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Valid US state codes required
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ZIP codes must match state
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Interac e-Transfer
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Valid Canadian email required
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Security question required if auto-deposit not enabled
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Phone number must be Canadian format
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Need Help?
For additional assistance:
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Check our API Reference
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Contact Support
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Review our Error Handling Guide