curl --request POST \
--url https://staging.api.payluk.ng/v1/escrow/vault/create \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"purpose": "FIFA tournament stake",
"description": "Winner takes all; final on Saturday",
"participants": [
{
"customerId": "665f1b2c9a1e4d0012ab3c40",
"amount": 600000
},
{
"customerId": "665f1b2c9a1e4d0012ab3c41",
"amount": 400000
}
]
}
'import requests
url = "https://staging.api.payluk.ng/v1/escrow/vault/create"
payload = {
"purpose": "FIFA tournament stake",
"description": "Winner takes all; final on Saturday",
"participants": [
{
"customerId": "665f1b2c9a1e4d0012ab3c40",
"amount": 600000
},
{
"customerId": "665f1b2c9a1e4d0012ab3c41",
"amount": 400000
}
]
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
purpose: 'FIFA tournament stake',
description: 'Winner takes all; final on Saturday',
participants: [
{customerId: '665f1b2c9a1e4d0012ab3c40', amount: 600000},
{customerId: '665f1b2c9a1e4d0012ab3c41', amount: 400000}
]
})
};
fetch('https://staging.api.payluk.ng/v1/escrow/vault/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/vault/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 => json_encode([
'purpose' => 'FIFA tournament stake',
'description' => 'Winner takes all; final on Saturday',
'participants' => [
[
'customerId' => '665f1b2c9a1e4d0012ab3c40',
'amount' => 600000
],
[
'customerId' => '665f1b2c9a1e4d0012ab3c41',
'amount' => 400000
]
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($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/vault/create"
payload := strings.NewReader("{\n \"purpose\": \"FIFA tournament stake\",\n \"description\": \"Winner takes all; final on Saturday\",\n \"participants\": [\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c40\",\n \"amount\": 600000\n },\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c41\",\n \"amount\": 400000\n }\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
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/escrow/vault/create")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"purpose\": \"FIFA tournament stake\",\n \"description\": \"Winner takes all; final on Saturday\",\n \"participants\": [\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c40\",\n \"amount\": 600000\n },\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c41\",\n \"amount\": 400000\n }\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://staging.api.payluk.ng/v1/escrow/vault/create")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"purpose\": \"FIFA tournament stake\",\n \"description\": \"Winner takes all; final on Saturday\",\n \"participants\": [\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c40\",\n \"amount\": 600000\n },\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c41\",\n \"amount\": 400000\n }\n ]\n}"
response = http.request(request)
puts response.read_body{
"status": 201,
"message": "Vault escrow created successfully",
"data": {
"id": "665f1b2c9a1e4d0012ab3c50",
"amount": 1000000,
"purpose": "FIFA tournament stake",
"fee": 25000,
"paymentToken": "PY_7CD34E0F5162",
"paidAt": "1784900000",
"state": "OPENED",
"status": "ONGOING",
"settlementType": "VAULT",
"participants": [
{
"customerId": "665f1b2c9a1e4d0012ab3c40",
"amount": 600000,
"status": "STAKED",
"stakedAt": "1784900000",
"settledAt": null
},
{
"customerId": "665f1b2c9a1e4d0012ab3c41",
"amount": 400000,
"status": "STAKED",
"stakedAt": "1784900000",
"settledAt": null
}
],
"winnerId": null,
"createdAt": "2026-07-24T10:15:00.000Z",
"updatedAt": "2026-07-24T10:15:00.000Z"
}
}Create vault escrow
Creates a funded vault escrow in one call. Every participant must be a customer of the merchant with the stake available in their main balance; each stake is locked into the participant’s own escrow balance immediately (all-or-nothing: if any stake cannot be locked, everything is rolled back). Merchant-only: do not send the customer-id header. Rules: at least 2 unique participants, positive integer stakes, and the derived pot (sum of stakes) must be at least 1000.
curl --request POST \
--url https://staging.api.payluk.ng/v1/escrow/vault/create \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"purpose": "FIFA tournament stake",
"description": "Winner takes all; final on Saturday",
"participants": [
{
"customerId": "665f1b2c9a1e4d0012ab3c40",
"amount": 600000
},
{
"customerId": "665f1b2c9a1e4d0012ab3c41",
"amount": 400000
}
]
}
'import requests
url = "https://staging.api.payluk.ng/v1/escrow/vault/create"
payload = {
"purpose": "FIFA tournament stake",
"description": "Winner takes all; final on Saturday",
"participants": [
{
"customerId": "665f1b2c9a1e4d0012ab3c40",
"amount": 600000
},
{
"customerId": "665f1b2c9a1e4d0012ab3c41",
"amount": 400000
}
]
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
purpose: 'FIFA tournament stake',
description: 'Winner takes all; final on Saturday',
participants: [
{customerId: '665f1b2c9a1e4d0012ab3c40', amount: 600000},
{customerId: '665f1b2c9a1e4d0012ab3c41', amount: 400000}
]
})
};
fetch('https://staging.api.payluk.ng/v1/escrow/vault/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/vault/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 => json_encode([
'purpose' => 'FIFA tournament stake',
'description' => 'Winner takes all; final on Saturday',
'participants' => [
[
'customerId' => '665f1b2c9a1e4d0012ab3c40',
'amount' => 600000
],
[
'customerId' => '665f1b2c9a1e4d0012ab3c41',
'amount' => 400000
]
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($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/vault/create"
payload := strings.NewReader("{\n \"purpose\": \"FIFA tournament stake\",\n \"description\": \"Winner takes all; final on Saturday\",\n \"participants\": [\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c40\",\n \"amount\": 600000\n },\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c41\",\n \"amount\": 400000\n }\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
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/escrow/vault/create")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"purpose\": \"FIFA tournament stake\",\n \"description\": \"Winner takes all; final on Saturday\",\n \"participants\": [\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c40\",\n \"amount\": 600000\n },\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c41\",\n \"amount\": 400000\n }\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://staging.api.payluk.ng/v1/escrow/vault/create")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"purpose\": \"FIFA tournament stake\",\n \"description\": \"Winner takes all; final on Saturday\",\n \"participants\": [\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c40\",\n \"amount\": 600000\n },\n {\n \"customerId\": \"665f1b2c9a1e4d0012ab3c41\",\n \"amount\": 400000\n }\n ]\n}"
response = http.request(request)
puts response.read_body{
"status": 201,
"message": "Vault escrow created successfully",
"data": {
"id": "665f1b2c9a1e4d0012ab3c50",
"amount": 1000000,
"purpose": "FIFA tournament stake",
"fee": 25000,
"paymentToken": "PY_7CD34E0F5162",
"paidAt": "1784900000",
"state": "OPENED",
"status": "ONGOING",
"settlementType": "VAULT",
"participants": [
{
"customerId": "665f1b2c9a1e4d0012ab3c40",
"amount": 600000,
"status": "STAKED",
"stakedAt": "1784900000",
"settledAt": null
},
{
"customerId": "665f1b2c9a1e4d0012ab3c41",
"amount": 400000,
"status": "STAKED",
"stakedAt": "1784900000",
"settledAt": null
}
],
"winnerId": null,
"createdAt": "2026-07-24T10:15:00.000Z",
"updatedAt": "2026-07-24T10:15:00.000Z"
}
}Authorizations
Your secret key as a Bearer token. The key prefix selects the environment: sk_test_... (test) or sk_live_... (live).
Body
"FIFA tournament stake"
At least 2 unique customers. The escrow amount is derived as the sum of the stakes and must be at least 1000.
2Show child attributes
Show child attributes
"Winner takes all; final on Saturday"
"665f1b2c9a1e4d0012ab3c30"