curl --request POST \
--url https://staging.api.payluk.ng/v1/escrow/create \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: multipart/form-data' \
--header 'customer-id: <customer-id>' \
--form amount=150000 \
--form 'purpose=MacBook Pro 14"' \
--form whoPays=both \
--form 'description=Space grey, sealed' \
--form maxDelivery=3 \
--form deliveryTimeline=days \
--form totalQuantity=1 \
--form categoryId=665f1b2c9a1e4d0012ab3c30 \
--form imageUrl='@example-file'import requests
url = "https://staging.api.payluk.ng/v1/escrow/create"
files = { "imageUrl": ("example-file", open("example-file", "rb")) }
payload = {
"amount": "150000",
"purpose": "MacBook Pro 14\"",
"whoPays": "both",
"description": "Space grey, sealed",
"maxDelivery": "3",
"deliveryTimeline": "days",
"totalQuantity": "1",
"categoryId": "665f1b2c9a1e4d0012ab3c30"
}
headers = {
"customer-id": "<customer-id>",
"Authorization": "Bearer <token>"
}
response = requests.post(url, data=payload, files=files, headers=headers)
print(response.text)const form = new FormData();
form.append('amount', '150000');
form.append('purpose', 'MacBook Pro 14"');
form.append('whoPays', 'both');
form.append('description', 'Space grey, sealed');
form.append('maxDelivery', '3');
form.append('deliveryTimeline', 'days');
form.append('totalQuantity', '1');
form.append('categoryId', '665f1b2c9a1e4d0012ab3c30');
form.append('imageUrl', '<string>');
const options = {
method: 'POST',
headers: {'customer-id': '<customer-id>', Authorization: 'Bearer <token>'}
};
options.body = form;
fetch('https://staging.api.payluk.ng/v1/escrow/create', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://staging.api.payluk.ng/v1/escrow/create",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--",
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: multipart/form-data",
"customer-id: <customer-id>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://staging.api.payluk.ng/v1/escrow/create"
payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("customer-id", "<customer-id>")
req.Header.Add("Authorization", "Bearer <token>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://staging.api.payluk.ng/v1/escrow/create")
.header("customer-id", "<customer-id>")
.header("Authorization", "Bearer <token>")
.body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
.asString();require 'uri'
require 'net/http'
url = URI("https://staging.api.payluk.ng/v1/escrow/create")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["customer-id"] = '<customer-id>'
request["Authorization"] = 'Bearer <token>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--"
response = http.request(request)
puts response.read_body{
"status": 201,
"message": "Created successfully",
"data": {
"id": "665f1b2c9a1e4d0012ab3c10",
"amount": 150000,
"purpose": "MacBook Pro 14\"",
"description": "Space grey, sealed",
"whoPays": "both",
"imageUrl": [
"https://cdn.payluk.ng/escrow/abc.png"
],
"fee": 3750,
"paymentToken": "PY_8AB12C9D3045",
"paidAt": null,
"status": "PENDING",
"state": "AWAITING_PAYMENT",
"logs": [],
"channel": "API",
"isSeller": true,
"dispute": null,
"paymentDetails": null,
"category": null,
"completedAt": null,
"approvedClaimBy": null,
"refundedBy": null,
"maxDelivery": 3,
"deliveryTimeline": "days",
"totalQuantity": 1,
"settlementType": "STANDARD",
"milestones": [],
"createdAt": "2026-06-22T10:15:00.000Z",
"updatedAt": "2026-06-22T10:15:00.000Z"
}
}Create escrow
Generates a standard escrow payment link. Sent as multipart/form-data so up to 5 images can be attached under imageUrl. The seller is the authenticated key owner. Merchants cannot create an escrow for themselves via the API. Requires the customer-id header.
curl --request POST \
--url https://staging.api.payluk.ng/v1/escrow/create \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: multipart/form-data' \
--header 'customer-id: <customer-id>' \
--form amount=150000 \
--form 'purpose=MacBook Pro 14"' \
--form whoPays=both \
--form 'description=Space grey, sealed' \
--form maxDelivery=3 \
--form deliveryTimeline=days \
--form totalQuantity=1 \
--form categoryId=665f1b2c9a1e4d0012ab3c30 \
--form imageUrl='@example-file'import requests
url = "https://staging.api.payluk.ng/v1/escrow/create"
files = { "imageUrl": ("example-file", open("example-file", "rb")) }
payload = {
"amount": "150000",
"purpose": "MacBook Pro 14\"",
"whoPays": "both",
"description": "Space grey, sealed",
"maxDelivery": "3",
"deliveryTimeline": "days",
"totalQuantity": "1",
"categoryId": "665f1b2c9a1e4d0012ab3c30"
}
headers = {
"customer-id": "<customer-id>",
"Authorization": "Bearer <token>"
}
response = requests.post(url, data=payload, files=files, headers=headers)
print(response.text)const form = new FormData();
form.append('amount', '150000');
form.append('purpose', 'MacBook Pro 14"');
form.append('whoPays', 'both');
form.append('description', 'Space grey, sealed');
form.append('maxDelivery', '3');
form.append('deliveryTimeline', 'days');
form.append('totalQuantity', '1');
form.append('categoryId', '665f1b2c9a1e4d0012ab3c30');
form.append('imageUrl', '<string>');
const options = {
method: 'POST',
headers: {'customer-id': '<customer-id>', Authorization: 'Bearer <token>'}
};
options.body = form;
fetch('https://staging.api.payluk.ng/v1/escrow/create', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://staging.api.payluk.ng/v1/escrow/create",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--",
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: multipart/form-data",
"customer-id: <customer-id>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://staging.api.payluk.ng/v1/escrow/create"
payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("customer-id", "<customer-id>")
req.Header.Add("Authorization", "Bearer <token>")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://staging.api.payluk.ng/v1/escrow/create")
.header("customer-id", "<customer-id>")
.header("Authorization", "Bearer <token>")
.body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--")
.asString();require 'uri'
require 'net/http'
url = URI("https://staging.api.payluk.ng/v1/escrow/create")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["customer-id"] = '<customer-id>'
request["Authorization"] = 'Bearer <token>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"amount\"\r\n\r\n150000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose\"\r\n\r\nMacBook Pro 14\"\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"whoPays\"\r\n\r\nboth\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"description\"\r\n\r\nSpace grey, sealed\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"maxDelivery\"\r\n\r\n3\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"deliveryTimeline\"\r\n\r\ndays\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"totalQuantity\"\r\n\r\n1\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"categoryId\"\r\n\r\n665f1b2c9a1e4d0012ab3c30\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"imageUrl\"; filename=\"example-file\"\r\nContent-Type: application/octet-stream\r\n\r\n<string>\r\n-----011000010111000001101001--"
response = http.request(request)
puts response.read_body{
"status": 201,
"message": "Created successfully",
"data": {
"id": "665f1b2c9a1e4d0012ab3c10",
"amount": 150000,
"purpose": "MacBook Pro 14\"",
"description": "Space grey, sealed",
"whoPays": "both",
"imageUrl": [
"https://cdn.payluk.ng/escrow/abc.png"
],
"fee": 3750,
"paymentToken": "PY_8AB12C9D3045",
"paidAt": null,
"status": "PENDING",
"state": "AWAITING_PAYMENT",
"logs": [],
"channel": "API",
"isSeller": true,
"dispute": null,
"paymentDetails": null,
"category": null,
"completedAt": null,
"approvedClaimBy": null,
"refundedBy": null,
"maxDelivery": 3,
"deliveryTimeline": "days",
"totalQuantity": 1,
"settlementType": "STANDARD",
"milestones": [],
"createdAt": "2026-06-22T10:15:00.000Z",
"updatedAt": "2026-06-22T10:15:00.000Z"
}
}Authorizations
Your secret key as a Bearer token. The key prefix selects the environment: sk_test_... (test) or sk_live_... (live).
Headers
The merchant customer this request acts on behalf of.
Body
Escrow amount in kobo-less major units (NGN). Must be a positive integer.
150000
Short title of what is being sold.
"MacBook Pro 14\""
Which party pays the Payluk fee.
buyer, seller, both "both"
"Space grey, sealed"
Length of the delivery window, in deliveryTimeline units.
3
minutes, hours, days "days"
1
"665f1b2c9a1e4d0012ab3c30"
Product image. Attach the field up to 5 times to upload multiple images.