curl --request POST \
  --url https://staging.api.payluk.ng/v1/payment/escrow \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'customer-id: <customer-id>' \
  --data '
{
  "amount": 10503.75,
  "reference": "ESC_REF_98765",
  "transactionType": "escrow",
  "gateway": "wallet",
  "escrowDetails": {
    "escrowId": "665f1b2c9a1e4d0012ab3c10"
  }
}
'

import requests

url = "https://staging.api.payluk.ng/v1/payment/escrow"

payload = {
    "amount": 10503.75,
    "reference": "ESC_REF_98765",
    "transactionType": "escrow",
    "gateway": "wallet",
    "escrowDetails": { "escrowId": "665f1b2c9a1e4d0012ab3c10" }
}
headers = {
    "customer-id": "<customer-id>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'customer-id': '<customer-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 10503.75,
    reference: 'ESC_REF_98765',
    transactionType: 'escrow',
    gateway: 'wallet',
    escrowDetails: {escrowId: '665f1b2c9a1e4d0012ab3c10'}
  })
};

fetch('https://staging.api.payluk.ng/v1/payment/escrow', 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/payment/escrow",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 10503.75,
    'reference' => 'ESC_REF_98765',
    'transactionType' => 'escrow',
    'gateway' => 'wallet',
    'escrowDetails' => [
        'escrowId' => '665f1b2c9a1e4d0012ab3c10'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "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/payment/escrow"

	payload := strings.NewReader("{\n  \"amount\": 10503.75,\n  \"reference\": \"ESC_REF_98765\",\n  \"transactionType\": \"escrow\",\n  \"gateway\": \"wallet\",\n  \"escrowDetails\": {\n    \"escrowId\": \"665f1b2c9a1e4d0012ab3c10\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("customer-id", "<customer-id>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	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/payment/escrow")
  .header("customer-id", "<customer-id>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 10503.75,\n  \"reference\": \"ESC_REF_98765\",\n  \"transactionType\": \"escrow\",\n  \"gateway\": \"wallet\",\n  \"escrowDetails\": {\n    \"escrowId\": \"665f1b2c9a1e4d0012ab3c10\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://staging.api.payluk.ng/v1/payment/escrow")

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["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 10503.75,\n  \"reference\": \"ESC_REF_98765\",\n  \"transactionType\": \"escrow\",\n  \"gateway\": \"wallet\",\n  \"escrowDetails\": {\n    \"escrowId\": \"665f1b2c9a1e4d0012ab3c10\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "message": "Payment intent verified successfully",
  "data": {
    "id": "6a3cdafd734e96016b22736b",
    "amount": 1030,
    "reference": "rthyjyutj",
    "fee": 0,
    "transactionType": "escrow",
    "currency": "NGN",
    "transferDetails": null,
    "cardId": null,
    "walletDetails": null,
    "blockchainDetails": null,
    "withdrawalDetails": null,
    "escrowDetails": {
      "beneficiary": {
        "name": "firsty fhgvj",
        "phone": "09022331122"
      },
      "description": "details",
      "amount": 1000,
      "fee": 30,
      "paymentToken": "PY_TIrNY1CD3836",
      "purpose": "multi-purpose escrow item",
      "channel": "API",
      "callbackUrl": null
    },
    "metadata": null,
    "status": "success",
    "creditType": "debit",
    "createdAt": "2026-06-25T07:38:38.003Z",
    "updatedAt": "2026-06-25T07:38:39.329Z"
  }
}

{
  "status": 400,
  "message": "You can only buy to your merchant's escrow",
  "data": {}
}

{
  "status": 401,
  "message": "Your account has been disabled from buying, please contact support",
  "data": {}
}

{
  "status": 429,
  "message": "Too many request"
}