Eversend
PlatformRailsNIP
// rail · nip · nigeria

The Nigeria bank transfer (NIP) API

The short answer

Eversend's API pays out over NIP, reaching every Nigerian bank and the fintech wallets built on them, including OPay, Kuda and Moniepoint. Median delivery over the last 90 days of production transfers is 57 seconds, and 91% land within 5 minutes. The account holder's name is returned before you commit.

Get API keysRead the docs
99.8% uptime · public status page · sandbox keys in minutes
payout · nigeria200 OK
POST /v1/payouts
"rail": "ngn_bank",
"amount": 450000, "currency": "NGN",
"recipient": { "account": "0123456789", "bank": "GTB" }
→ account name returned before commit:
"ADEBAYO O."
57s
Median delivery · 91% within 5 min
median · last 90 days · production transfers
99.8%
API uptime
trailing 12 months · status.eversend.co
NGN
Every bank · fintech wallets
coverage · via NIP
~2 min
To sandbox keys
self-serve · no sales call
// what this rail is

Every Nigerian bank, one instant rail.

NIP is Nigeria's instant interbank network. It reaches every bank account in the country, and because fintech wallets like OPay, Kuda and Moniepoint sit on bank rails, it reaches them too.

Eversend runs this rail in production. The numbers on this page are measured from live transfers.

Destination🇳🇬 Nigeria · NGN
Recipient identifieraccount number + bank code
Fundingwallet balance · USDC · FX from 15 currencies
Name checkaccount name returned before you commit
Status eventswebhooks · created → processing → delivered
// the integration

Name-check first, then pay.

NIP resolves the account holder's name before you commit the payout. Your users see who they are paying, and your support queue stays quiet. The rest is the same call as every other rail.

request
$ curl https://api.eversend.co/v1/payouts \
-H "Authorization: Bearer sk_live_..." \
-d rail=ngn_bank \
-d amount=450000 -d currency=NGN \
-d recipient.account=0123456789 -d recipient.bank=GTB
response200 OK
{ "id": "pyt_4n8s", "rail": "ngn_bank",
"recipient_name": "ADEBAYO O.",
"status": "processing",
"expected_delivery": "~1 min" }
// fees

A flat naira fee, on the quote.

The payout fee is flat and returned on every quote. This row renders from the same fee source of truth the API bills from.

Bank transfer · NGN₦58flat, per payout
Funding · USDCnetwork fee onlyUSDC converts to NGN at the quoted rate
rendered from the fee source of truth · never retyped · the rate holds until the quote expires
01
Get sandbox keys
Self-serve, in minutes. Real API, test money.
02
Send a test payout
Name-check a sandbox account, send, watch the webhooks.
03
Go live
Compliance review, then production keys.
Get API keys

Keep reading

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