Merchant Payouts (Transfers)

The Payout endpoint allows merchants to transfer funds from their Servinux wallet balance directly to any commercial bank account in Nigeria. This uses the NIP (Nigeria Inter-bank Settlement System) for instant settlement.

Endpoint Details

Base URL https://merchant.servinux.com/v2/withdraw

Method POST

Auth Bearer Token (Secret Key)

Request Parameters

Field	Required	Description
amount	Yes	The amount to be transferred (e.g., 5000.00).
bank_code	Yes	Standard NIP bank code (e.g., 044 for Access Bank).
account_number	Yes	The 10-digit NUBAN account number.
account_name	Yes	The verified name associated with the account.

Implementation Example

Sample Request Payload

{
  "amount": 2500.00,
  "bank_code": "044",
  "account_number": "0123456789",
  "account_name": "JOHN DOE MERCHANT"
}

Success Response

{
  "success": true,
  "message": "Withdrawal successful",
  "reference": "WD_1736343125_10"
}

Operational Safety

Atomic Transactions

Our gateway uses atomic operations. If the inter-bank transfer fails, your wallet balance will not be deducted.

Settlement Time

Payouts are usually instant via NIP, but can take up to 60 seconds during peak network congestion.