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:

withdrawal: a payout. For a fiat bank withdrawal supply withdrawalDetails (bank account); for a crypto transfer supply blockchainDetails (recipient address + network) instead.
deposit: a card top-up of the customer’s wallet. depositDetails.cardId is required and identifies a previously saved card to charge.
wallet_transfer: send funds to another Payluk wallet via walletDetails.

Card deposits

A deposit charges a saved (tokenized) card; it does not collect new card details. The cardId is the id of a card returned by List customer cards.

A customer only has saved cards when the merchant has the save-customer-cards feature enabled on their account. With it enabled, when a merchant customer pays with a card through Payluk’s inline checkout, Payluk tokenizes the card (stores its reusable payment authorization) against that customer. The tokenized card then appears in the cards list and can be charged here (via depositDetails.cardId) to top up the wallet without the customer re-entering card details.

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.

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_... (test) or sk_live_... (live).

Headers

customer-id

string

required

The merchant customer this request acts on behalf of.

Body

application/json

amount

integer

required

Amount in the smallest currency unit. Minimum 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,

deposit,

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

depositDetails

object

Required when transactionType is deposit. Identifies the saved card to charge.

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: Debit Cards

Other: Crypto Whitelist

Other: Misc

Create payment intent

Card deposits

Two-step flow

Authorizations

Headers

Body

Response