Payouts

Send money from your NGN or USD wallet to a bank account or a USDC/USDT address. Check available with GET /wallets before you create a payout.

Create a payout

POST /payouts debits amount from the wallet matching currency and sends it to destination. Amounts are minor units.

	Wallet (`currency`)	Sent (`destination.currency`)
Bank	`ngn` or `usd`	`ngn` or `usd`
Crypto	`ngn` or `usd`	`usdc` or `usdt`

Every payout needs a unique reference. Reusing one returns 409.

Bank transfer

NGN requires bank_code. Use GET /misc/banks/ng and POST /misc/banks/ng/resolve before you send.

curl -X POST https://api.puplar.com/payouts \
  -H "Authorization: Bearer sk_live_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "wd_order_98234",
    "amount": 500000,
    "currency": "ngn",
    "method": "bank_transfer",
    "destination": {
      "currency": "ngn",
      "bank_transfer": {
        "account_number": "0123456789",
        "bank_code": "058",
        "account_name": "ADA OBI"
      }
    }
  }'

Crypto

Pass a chain from GET /crypto/tokens for that token. Do not send contract_address.

curl -X POST https://api.puplar.com/payouts \
  -H "Authorization: Bearer sk_live_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "wd_crypto_98234",
    "amount": 10000,
    "currency": "usd",
    "method": "crypto",
    "destination": {
      "currency": "usdc",
      "crypto": {
        "wallet_address": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
        "chain": "polygon-pos"
      }
    }
  }'

description and metadata are optional. The payout’s amount / currency are what was sent (after FX). USD → USDC/USDT is 1:1.

Quote

Preview fee and rate without debiting. Use the same amount, currency, method, and destination as create.

curl -X POST https://api.puplar.com/payouts/quote \
  -H "Authorization: Bearer sk_live_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 10000,
    "currency": "usd",
    "method": "crypto",
    "destination": {
      "currency": "usdc",
      "crypto": {
        "wallet_address": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
        "chain": "polygon-pos"
      }
    }
  }'

fee is in minor units of fee_currency.

Retrieve

Look up by the reference you sent on create.

curl https://api.puplar.com/payouts/wd_order_98234 \
  -H "Authorization: Bearer sk_live_your_key"

curl "https://api.puplar.com/payouts?status=pending&currency=usdc" \
  -H "Authorization: Bearer sk_live_your_key"

Cancel

Cancel a pending payout. The wallet is credited back.

curl -X POST https://api.puplar.com/payouts/wd_order_98234/cancel \
  -H "Authorization: Bearer sk_live_your_key"

Listen for payout.initiated, payout.completed, payout.failed, and payout.canceled. See Webhooks.

{
  "id": "64f1a2b3c4d5e6f7a8b9c0d1",
  "type": "payout.completed",
  "timestamp": "2026-07-26T12:00:00.000Z",
  "payload": {
    "id": "64f9b3c4d5e6f7a8b9c0d1e2",
    "reference": "wd_order_98234",
    "amount": 500000,
    "currency": "ngn",
    "status": "paid",
    "destination": {
      "account_number": "0123456789",
      "bank_code": "058",
      "account_name": "ADA OBI"
    },
    "failure_message": null,
    "created_at": "2026-07-26T11:58:00.000Z",
    "arrival_date": "2026-07-26T12:00:00.000Z"
  }
}

Getting Started

Feature Guides

Create a payout

Bank transfer

Crypto

Quote

Retrieve

Cancel

​Create a payout

​Bank transfer

​Crypto

​Quote

​Retrieve

​Cancel

Create a payout

Bank transfer

Crypto

Quote

Retrieve

Cancel