curl --request POST \
  --url https://staging.api.payluk.ng/v1/payment/create-intent \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'customer-id: <customer-id>' \
  --data '
{
  "amount": 10000,
  "reference": "99999533334",
  "transactionType": "withdrawal",
  "withdrawalDetails": {
    "accountName": "EZUMAH  JEREMIAH  KALU",
    "accountNumber": "3069839406",
    "bankName": "First Bank Nigeria",
    "bankCode": "011"
  }
}
'

{
  "status": 200,
  "message": "Payment intent created successfully",
  "data": {
    "id": "692838701c1a5da0bf1c2bad",
    "amount": 10000,
    "reference": "99999533334",
    "fee": 100,
    "transactionType": "withdrawal",
    "currency": "NGN",
    "transferDetails": null,
    "depositDetails": null,
    "walletDetails": null,
    "withdrawalDetails": {
      "bankCode": "011",
      "accountNumber": "3069839406",
      "accountName": "EZUMAH  JEREMIAH  KALU",
      "bankName": "First Bank Nigeria"
    },
    "escrowDetails": null,
    "metadata": null,
    "status": "pending",
    "creditType": "debit",
    "createdAt": "2025-11-27T11:39:28.931Z",
    "updatedAt": "2025-11-27T11:39:28.931Z"
  }
}

6. Fund it: Payments

Create payment intent

Creates a payment intent for a merchant customer. Set transactionType to one of (deposits are not supported: money comes in only as an escrow payment through the Checkout SDK, which generates a temporary virtual account for the customer to pay):

withdrawal: a payout. For a fiat bank withdrawal supply withdrawalDetails (bank account); for a crypto transfer supply blockchainDetails (recipient address + network) instead.
wallet_transfer: send funds to another Payluk wallet via walletDetails.

Withdrawal fees

Payluk sets the fee on the returned intent; you do not send it. The customer is debited amount + fee, so reconcile against the fee you read back rather than assuming a figure.

The fee depends on the amount and on which provider Payluk currently settles payouts through, and it may include VAT. It is fixed on the intent when the intent is created, so the figure you read back is the figure that will be charged.

Two-step flow

Creating the intent only stages the transaction; no money moves yet. To execute it, submit the returned reference to Verify payment. This separation exists for security.

All field values are lowercase. Requires the customer-id header.

Amounts are naira with at most two decimal places; the minimum is 100 for a transfer. Bank payouts are routed to whichever provider Payluk currently settles through, and a crypto payout to blockchainDetails.toAddress on BSC; the gateway field is resolved server-side and can be omitted.

POST

payment

create-intent

curl --request POST \
  --url https://staging.api.payluk.ng/v1/payment/create-intent \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'customer-id: <customer-id>' \
  --data '
{
  "amount": 10000,
  "reference": "99999533334",
  "transactionType": "withdrawal",
  "withdrawalDetails": {
    "accountName": "EZUMAH  JEREMIAH  KALU",
    "accountNumber": "3069839406",
    "bankName": "First Bank Nigeria",
    "bankCode": "011"
  }
}
'

{
  "status": 200,
  "message": "Payment intent created successfully",
  "data": {
    "id": "692838701c1a5da0bf1c2bad",
    "amount": 10000,
    "reference": "99999533334",
    "fee": 100,
    "transactionType": "withdrawal",
    "currency": "NGN",
    "transferDetails": null,
    "depositDetails": null,
    "walletDetails": null,
    "withdrawalDetails": {
      "bankCode": "011",
      "accountNumber": "3069839406",
      "accountName": "EZUMAH  JEREMIAH  KALU",
      "bankName": "First Bank Nigeria"
    },
    "escrowDetails": null,
    "metadata": null,
    "status": "pending",
    "creditType": "debit",
    "createdAt": "2025-11-27T11:39:28.931Z",
    "updatedAt": "2025-11-27T11:39:28.931Z"
  }
}

Authorizations

Authorization

string

header

required

Your secret key as a Bearer token. The key prefix selects the environment: sk_test_... (staging) or sk_live_... (production); a key on the wrong host is refused with 403 Unauthorized Access. Each key is limited to 10 requests per minute (429 beyond that) and, on production, to the IP addresses on your dashboard allowlist when one is configured.

Headers

customer-id

string

required

The merchant customer this request acts on behalf of.

Body

application/json

amount

number

required

Amount in major units (NGN), not kobo: send 10000 for ₦10,000. Kobo are allowed as decimals (₦100.20 is 100.2) and are rounded to two places. Minimum 100, meaning ₦100.

Required range: x >= 100

Example:

10000

reference

string

required

Your unique reference for this transaction.

Example:

"99999533334"

transactionType

enum<string>

required

Use withdrawal for both a fiat bank withdrawal (with withdrawalDetails) and a crypto transfer (with blockchainDetails).

Available options:

withdrawal,

wallet_transfer

Example:

"withdrawal"

currency

string

default:NGN

Optional. Defaults to NGN.

Example:

"NGN"

withdrawalDetails

object

Required for a fiat bank withdrawal (transactionType: withdrawal).

Show child attributes

blockchainDetails

object

Required for a crypto transfer (transactionType: withdrawal); supply this instead of withdrawalDetails.

Show child attributes

walletDetails

object

Required for a wallet_transfer to another Payluk wallet.

Show child attributes

Response

Payment intent created.

1. Onboard customers

2. Catalog (optional)

3. Create the deal: Escrow

4. Create the deal: Milestone Escrow

5. Stake & resolve: Vault Escrow

6. Fund it: Payments

7. Release & resolve: Disputes

Other: Merchant Account

Other: Misc

Create payment intent

Withdrawal fees

Two-step flow

Authorizations

Headers

Body

Response