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Send to an account

1

Resolve the account name

POST /merchant/name-enquiry — confirm the name matches who you intend to pay.
2

Initiate

POST /transfer/payout with a stable merchant reference. See Idempotency.
3

Confirm

GET /transfer/verify/{id}, or wait for the transfer.success webhook.
Bank codes come from GET /merchant/banks, or see the bank code reference.
Name enquiry is the only check between you and an irreversible transfer to the wrong account. Do not skip it, and surface the resolved name to whoever approves the payout.

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A payout is not final on success

transfer.refund can arrive days later if the beneficiary bank reverses it. Keep a payout reversible in your own ledger until you reconcile.