Vault escrow: merchant-only pooled stakes
A new escrow type for competition-style products: two or more of your customers each stake an amount into one pot, and you declare the winner, who receives the whole pot minus the platform fee.- New settlement type
VAULT, alongsideSTANDARDandMILESTONE. - Four merchant-only endpoints under
/v1/escrow/vault/*: create, declare winner, cancel, and get. - Vaults are created already funded: every stake is verified against the participant’s main balance and locked into their own escrow balance in one all-or-nothing call.
- Tournament mode: any number of participants from 2 up.
- The platform fee is collected whether the vault completes or is cancelled: cancellation refunds each stake minus its pro-rata fee share.
- Escrow responses now carry
participants[]andwinnerIdfields (populated for vault escrows only).
Milestone due dates must be in the future
dueDate on milestone creation, editing, and conversion is now rejected unless
it parses to a future date.Milestone escrow endpoints for merchants
The milestone escrow surface is now available on the merchant (/v1) API:- Create milestone escrow:
POST /v1/escrow/milestone/create - Edit milestone escrow:
PUT /v1/escrow/milestone/edit/{paymentToken} - Convert to milestone:
PUT /v1/escrow/milestone/convert/{paymentToken} - Get milestones:
GET /v1/escrow/milestone/{paymentToken} - Confirm milestone:
POST /v1/escrow/milestone/confirm/{escrowId}/{milestoneId}
Milestones now release in order
A buyer can only confirm the earliest still-pending milestone; milestone 3 cannot be released before 1 and 2. Dispute-driven settlement (release-remaining or refund) still settles every remaining milestone at once.Dedicated virtual accounts for Nigerian customers
Generate virtual account now issues a permanent, dedicated virtual account for merchant customers who supplied a BVN. Customers without a BVN keep receiving 24-hour temporary accounts. Virtual accounts remain Nigerian-only.Milestone escrows
Escrows can now hold the full amount upfront and release it in parts as the buyer confirms each milestone; see Milestone escrows.- New settlement type
MILESTONE; escrow responses carry amilestones[]array. - At least 2 milestones, positive integer amounts summing to the escrow
amount, andwhoPays: buyeronly. - Each milestone may name an optional
customerIdbeneficiary who receives that milestone’s funds instead of the seller. - The escrow completes automatically when the final milestone is released.
Batch payment verification and dispute lookup
- Verify payment accepts multiple
referencesin one call, and escrow payment intents support multiple escrow IDs, so a buyer can pay several escrows at once. - New endpoint: Get dispute by escrow ID.
- Escrow listings accept a
statusfilter.