Accounts

Open an account for a new customer

Request

POST https://api-dev.spay.ng/api/v1/accounts
Authorization: Bearer <access-token>
Accept: application/json
Content-Type: application/json

{
  "reference": "acct-pos-0001",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "parentAccountNumber": null,
  "customer": {
    "type": "BUSINESS",
    "businessName": "Adunni Foods",
    "registrationType": "BN",
    "registrationNumber": "BN1234567",
    "email": "merchant@example.com",
    "phoneNumber": "+2348012345678",
    "owner": {
      "firstName": "Ada",
      "lastName": "Obi",
      "dateOfBirth": "1990-01-15",
      "gender": "FEMALE",
      "bvn": "12345678901",
      "nin": "98765432109"
    }
  }
}

curl

curl -X POST 'https://api-dev.spay.ng/api/v1/accounts' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  -d '{
  "reference": "acct-pos-0001",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "parentAccountNumber": null,
  "customer": {
    "type": "BUSINESS",
    "businessName": "Adunni Foods",
    "registrationType": "BN",
    "registrationNumber": "BN1234567",
    "email": "merchant@example.com",
    "phoneNumber": "+2348012345678",
    "owner": {
      "firstName": "Ada",
      "lastName": "Obi",
      "dateOfBirth": "1990-01-15",
      "gender": "FEMALE",
      "bvn": "12345678901",
      "nin": "98765432109"
    }
  }
}'

Request fields

Field	Type	Required	Description
reference	string, 1 to 100 characters	Yes	Your unique reference for this opening.
accountTypeId	string, UUID	Yes	An account type id whose customerType is BUSINESS. An unknown one returns 404, code 25.
parentAccountNumber	null	No	Absent or null for a new customer.
accountName	string, max 70 characters	No	The account’s name. Defaults to customer.businessName.
customer.type	string, BUSINESS	Yes	The customer type.
customer.businessName	string, 1 to 70 characters	Yes	The business’s registered name.
customer.registrationType	enum: BN, RC	Yes	The CAC registration type: business name or limited company.
customer.registrationNumber	string, 1 to 40 characters	Yes	The CAC registration number.
customer.email	string, email address	Yes	The business’s email address.
customer.phoneNumber	string	Yes	The business’s phone number.
customer.owner.firstName	string	Yes	The owner’s first name, as on the BVN.
customer.owner.lastName	string	Yes	The owner’s last name, as on the BVN.
customer.owner.dateOfBirth	date, YYYY-MM-DD	Yes	The owner’s date of birth.
customer.owner.gender	enum: MALE, FEMALE	Yes	The owner’s gender.
customer.owner.bvn	string, 11 digits	Yes	The owner’s BVN.
customer.owner.nin	string, 11 digits	Yes	The owner’s NIN.

Response: 201 Created

{
  "accountId": "11111111-1111-4111-8111-111111111111",
  "customerId": "22222222-2222-4222-8222-222222222222",
  "reference": "acct-pos-0001",
  "accountNumber": "8880000001",
  "accountName": "Adunni Foods",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "parentAccountNumber": null,
  "currency": "NGN",
  "status": "ACTIVE",
  "kyc": {
    "status": "PENDING",
    "tier": 1
  },
  "restrictions": {
    "debitBlocked": false,
    "creditBlocked": false
  },
  "limits": {
    "singleTransferLimit": 50000.0,
    "dailyTransferLimit": 300000.0
  },
  "createdAt": "2026-10-25T09:00:00+01:00"
}

Response fields

Field	Type	Description
accountId	string, UUID	The account’s id.
customerId	string, UUID	The customer’s id. Use it to open further accounts for this customer.
reference	string	The opening reference.
accountNumber	string, 10 digits	The account number.
accountName	string	The account’s name.
accountTypeId	string, UUID	The account type.
parentAccountNumber	string or null	The main account’s number for a sub-account; null for a main account.
currency	string, NGN	The account currency.
status	string	The account’s status: ACTIVE once opened.
kyc.status	enum: PENDING, IN_REVIEW, REJECTED, VERIFIED	PENDING until KYC is submitted with Submit the KYC pack; VERIFIED at tier 3.
kyc.tier	integer, 1 to 3	The customer’s KYC tier: 1 on opening.
restrictions.debitBlocked	boolean	Whether debits are blocked.
restrictions.creditBlocked	boolean	Whether credits are blocked.
limits.singleTransferLimit	number or null, naira, at most 2 decimal places	The most one transfer can move.
limits.dailyTransferLimit	number or null, naira, at most 2 decimal places	The most the account can transfer in a day.
createdAt	timestamp	When the account was opened.

• Send either customer (a new customer) or customerId (an existing one, as in Open a sub-account), never both.
• A refused opening opens nothing; its reference stays unused.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
400	{"error":{"code":"30","message":"Account type does not match the customer"}}
400	{"error":{"code":"25","message":"BVN not found"}}
400	{"error":{"code":"25","message":"NIN not found"}}
400	{"error":{"code":"25","message":"Business registration not found"}}
400	{"error":{"code":"06","message":"The name does not match the BVN"}}
400	{"error":{"code":"06","message":"The date of birth does not match the BVN"}}
400	{"error":{"code":"06","message":"The name does not match the NIN"}}
400	{"error":{"code":"06","message":"The date of birth does not match the NIN"}}
400	{"error":{"code":"06","message":"The business name does not match its registration"}}
400	{"error":{"code":"06","message":"The business registration is not active"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
404	{"error":{"code":"25","message":"Resource not found"}}
409	{"error":{"code":"94","message":"Reference has already been used; query the existing operation"}}
409	{"error":{"code":"26","message":"Customer already exists; open the account under the existing customer"}}
503	{"error":{"code":"91","message":"Service unavailable"}}

Open a sub-account under the main account

Request

POST https://api-dev.spay.ng/api/v1/accounts
Authorization: Bearer <access-token>
Accept: application/json
Content-Type: application/json

{
  "reference": "acct-pos-0002",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "customerId": "22222222-2222-4222-8222-222222222222",
  "parentAccountNumber": "8880000001",
  "accountName": "Adunni Foods - Terminal 02"
}

curl

curl -X POST 'https://api-dev.spay.ng/api/v1/accounts' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  -d '{
  "reference": "acct-pos-0002",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "customerId": "22222222-2222-4222-8222-222222222222",
  "parentAccountNumber": "8880000001",
  "accountName": "Adunni Foods - Terminal 02"
}'

Request fields

Field	Type	Required	Description
reference	string, 1 to 100 characters	Yes	Your unique reference for this opening.
accountTypeId	string, UUID	Yes	An account type id that matches the customer.
customerId	string, UUID	Yes	The existing customer, from an earlier opening.
parentAccountNumber	string, 10 digits	Yes	The customer’s main account, which must be a business account. A customer has one main account; every further account is a sub-account under it.
accountName	string, max 70 characters	Yes	The sub-account’s name.

Response: 201 Created

{
  "accountId": "55555555-5555-4555-8555-555555555555",
  "customerId": "22222222-2222-4222-8222-222222222222",
  "reference": "acct-pos-0002",
  "accountNumber": "8880000002",
  "accountName": "Adunni Foods - Terminal 02",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "parentAccountNumber": "8880000001",
  "currency": "NGN",
  "status": "ACTIVE",
  "kyc": {
    "status": "PENDING",
    "tier": 1
  },
  "restrictions": {
    "debitBlocked": false,
    "creditBlocked": false
  },
  "limits": {
    "singleTransferLimit": 50000.0,
    "dailyTransferLimit": 300000.0
  },
  "createdAt": "2026-10-25T09:00:00+01:00"
}

Response fields

Field	Type	Description
accountId	string, UUID	The account’s id.
customerId	string, UUID	The customer’s id.
reference	string	The opening reference.
accountNumber	string, 10 digits	The account number.
accountName	string	The account’s name. A sub-account’s may differ from the accountName sent.
accountTypeId	string, UUID	The account type.
parentAccountNumber	string	The main account’s number.
currency	string, NGN	The account currency.
status	string	The account’s status: ACTIVE once opened.
kyc.status	enum: PENDING, IN_REVIEW, REJECTED, VERIFIED	The customer’s KYC status: PENDING until KYC is submitted, VERIFIED at tier 3. A sub-account has its main account’s.
kyc.tier	integer, 1 to 3	The customer’s KYC tier. A sub-account has its main account’s.
restrictions.debitBlocked	boolean	Whether debits are blocked.
restrictions.creditBlocked	boolean	Whether credits are blocked.
limits.singleTransferLimit	number or null, naira, at most 2 decimal places	The most one transfer can move.
limits.dailyTransferLimit	number or null, naira, at most 2 decimal places	The most the account can transfer in a day.
createdAt	timestamp	When the account was opened.

• A reused reference returns 409, code 94. Find the earlier opening with Search accounts by reference.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
400	{"error":{"code":"30","message":"Account type does not match the customer"}}
400	{"error":{"code":"30","message":"Only a business account can have sub-accounts"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
404	{"error":{"code":"25","message":"Resource not found"}}
409	{"error":{"code":"94","message":"Reference has already been used; query the existing operation"}}
503	{"error":{"code":"91","message":"Service unavailable"}}

Search accounts

Request

POST https://api-dev.spay.ng/api/v1/accounts/search?offset=0&limit=20
Authorization: Bearer <access-token>
Accept: application/json
Content-Type: application/json

{
  "email": "merchant@example.com"
}

curl

curl -X POST 'https://api-dev.spay.ng/api/v1/accounts/search?offset=0&limit=20' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  -d '{
  "email": "merchant@example.com"
}'

Request fields

Field	Type	Required	Description
offset (query)	integer, at least 0	No	How many matching accounts to skip. Default 0. Out of range returns 400, code 30.
limit (query)	integer, 1 to 100	No	How many accounts to return. Default 20. Out of range returns 400, code 30.
email	string	At least one criterion	The customer’s email address.
mobileNo	string	At least one criterion	The customer’s phone number.
bvn	string	At least one criterion	The owner’s BVN.
nin	string	At least one criterion	The owner’s NIN.
reference	string	At least one criterion	The opening reference.

Response: 200 OK

{
  "content": [
    {
      "accountId": "11111111-1111-4111-8111-111111111111",
      "customerId": "22222222-2222-4222-8222-222222222222",
      "reference": "acct-pos-0001",
      "accountNumber": "8880000001",
      "accountName": "Adunni Foods",
      "accountTypeId": "33333333-3333-4333-8333-333333333333",
      "parentAccountNumber": null,
      "currency": "NGN",
      "status": "ACTIVE",
      "kyc": {
        "status": "VERIFIED",
        "tier": 3
      },
      "restrictions": {
        "debitBlocked": false,
        "creditBlocked": false
      },
      "limits": {
        "singleTransferLimit": 10000000.0,
        "dailyTransferLimit": 10000000.0
      },
      "createdAt": "2026-10-25T09:00:00+01:00"
    }
  ],
  "count": 1,
  "total": 1,
  "last": true
}

Response fields

Field	Type	Description
content[].accountId	string, UUID	The account’s id.
content[].customerId	string, UUID	The customer’s id.
content[].reference	string	The opening reference.
content[].accountNumber	string, 10 digits	The account number.
content[].accountName	string	The account’s name.
content[].accountTypeId	string, UUID	The account type.
content[].parentAccountNumber	string or null	The main account’s number for a sub-account; null for a main account.
content[].currency	string, NGN	The account currency.
content[].status	string	The account’s status: ACTIVE once opened.
content[].kyc.status	enum: PENDING, IN_REVIEW, REJECTED, VERIFIED	The customer’s KYC status: PENDING until KYC is submitted, VERIFIED at tier 3.
content[].kyc.tier	integer, 1 to 3	The customer’s KYC tier.
content[].restrictions.debitBlocked	boolean	Whether debits are blocked.
content[].restrictions.creditBlocked	boolean	Whether credits are blocked.
content[].limits.singleTransferLimit	number or null, naira, at most 2 decimal places	The most one transfer can move.
content[].limits.dailyTransferLimit	number or null, naira, at most 2 decimal places	The most the account can transfer in a day.
content[].createdAt	timestamp	When the account was opened.
count	integer	The number of accounts on this page.
total	integer	The number of matching accounts.
last	boolean	Whether this is the last page.

• At least one criterion is required. An account matching any one of them is returned.
• Only reference finds sub-accounts.
• Accounts are listed newest first.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
503	{"error":{"code":"91","message":"Service unavailable"}}

List accounts

Request

GET https://api-dev.spay.ng/api/v1/accounts?offset=0&limit=20
Authorization: Bearer <access-token>
Accept: application/json

curl

curl 'https://api-dev.spay.ng/api/v1/accounts?offset=0&limit=20' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json"

No request body.

Request fields

Field	Type	Required	Description
offset (query)	integer, at least 0	No	How many accounts to skip. Default 0. Out of range returns 400, code 30.
limit (query)	integer, 1 to 100	No	How many accounts to return. Default 20. Out of range returns 400, code 30.

Response: 200 OK

{
  "content": [
    {
      "accountId": "11111111-1111-4111-8111-111111111111",
      "customerId": "22222222-2222-4222-8222-222222222222",
      "reference": "acct-pos-0001",
      "accountNumber": "8880000001",
      "accountName": "Adunni Foods",
      "accountTypeId": "33333333-3333-4333-8333-333333333333",
      "parentAccountNumber": null,
      "currency": "NGN",
      "status": "ACTIVE",
      "kyc": {
        "status": "VERIFIED",
        "tier": 3
      },
      "restrictions": {
        "debitBlocked": false,
        "creditBlocked": false
      },
      "limits": {
        "singleTransferLimit": 10000000.0,
        "dailyTransferLimit": 10000000.0
      },
      "createdAt": "2026-10-25T09:00:00+01:00"
    }
  ],
  "count": 1,
  "total": 1,
  "last": true
}

Response fields

Field	Type	Description
content[].accountId	string, UUID	The account’s id.
content[].customerId	string, UUID	The customer’s id.
content[].reference	string	The opening reference.
content[].accountNumber	string, 10 digits	The account number.
content[].accountName	string	The account’s name.
content[].accountTypeId	string, UUID	The account type.
content[].parentAccountNumber	string or null	The main account’s number for a sub-account; null for a main account.
content[].currency	string, NGN	The account currency.
content[].status	string	The account’s status: ACTIVE once opened.
content[].kyc.status	enum: PENDING, IN_REVIEW, REJECTED, VERIFIED	The customer’s KYC status: PENDING until KYC is submitted, VERIFIED at tier 3.
content[].kyc.tier	integer, 1 to 3	The customer’s KYC tier.
content[].restrictions.debitBlocked	boolean	Whether debits are blocked.
content[].restrictions.creditBlocked	boolean	Whether credits are blocked.
content[].limits.singleTransferLimit	number or null, naira, at most 2 decimal places	The most one transfer can move.
content[].limits.dailyTransferLimit	number or null, naira, at most 2 decimal places	The most the account can transfer in a day.
content[].createdAt	timestamp	When the account was opened.
count	integer	The number of accounts on this page.
total	integer	The number of your accounts.
last	boolean	Whether this is the last page.

• Accounts are listed newest first.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
503	{"error":{"code":"91","message":"Service unavailable"}}

Get account details

Request

GET https://api-dev.spay.ng/api/v1/accounts/8880000001
Authorization: Bearer <access-token>
Accept: application/json

curl

curl 'https://api-dev.spay.ng/api/v1/accounts/8880000001' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json"

No request body.

Request fields

Field	Type	Required	Description
accountNumber (path)	string, 10 digits	Yes	One of your accounts. A malformed number returns 400, code 30.

Response: 200 OK

{
  "accountId": "11111111-1111-4111-8111-111111111111",
  "customerId": "22222222-2222-4222-8222-222222222222",
  "reference": "acct-pos-0001",
  "accountNumber": "8880000001",
  "accountName": "Adunni Foods",
  "accountTypeId": "33333333-3333-4333-8333-333333333333",
  "parentAccountNumber": null,
  "currency": "NGN",
  "status": "ACTIVE",
  "kyc": {
    "status": "VERIFIED",
    "tier": 3
  },
  "restrictions": {
    "debitBlocked": false,
    "creditBlocked": false
  },
  "limits": {
    "singleTransferLimit": 10000000.0,
    "dailyTransferLimit": 10000000.0
  },
  "createdAt": "2026-10-25T09:00:00+01:00"
}

Response fields

Field	Type	Description
accountId	string, UUID	The account’s id.
customerId	string, UUID	The customer’s id.
reference	string	The opening reference.
accountNumber	string, 10 digits	The account number.
accountName	string	The account’s name.
accountTypeId	string, UUID	The account type.
parentAccountNumber	string or null	The main account’s number for a sub-account; null for a main account.
currency	string, NGN	The account currency.
status	string	The account’s status: ACTIVE once opened.
kyc.status	enum: PENDING, IN_REVIEW, REJECTED, VERIFIED	The customer’s KYC status: PENDING until KYC is submitted, VERIFIED at tier 3.
kyc.tier	integer, 1 to 3	The customer’s KYC tier.
restrictions.debitBlocked	boolean	Whether debits are blocked.
restrictions.creditBlocked	boolean	Whether credits are blocked.
limits.singleTransferLimit	number or null, naira, at most 2 decimal places	The most one transfer can move.
limits.dailyTransferLimit	number or null, naira, at most 2 decimal places	The most the account can transfer in a day.
createdAt	timestamp	When the account was opened.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
404	{"error":{"code":"25","message":"Resource not found"}}
503	{"error":{"code":"91","message":"Service unavailable"}}

Get account balances

Request

GET https://api-dev.spay.ng/api/v1/accounts/8880000001/balances
Authorization: Bearer <access-token>
Accept: application/json

curl

curl 'https://api-dev.spay.ng/api/v1/accounts/8880000001/balances' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json"

No request body.

Request fields

Field	Type	Required	Description
accountNumber (path)	string, 10 digits	Yes	One of your accounts. A malformed number returns 400, code 30.

Response: 200 OK

{
  "accountNumber": "8880000001",
  "currency": "NGN",
  "availableBalance": 10000.0,
  "pendingSettlementBalance": 2500.0,
  "heldBalance": 1000.0,
  "nextExpectedSettlementDate": "2026-10-26",
  "asOf": "2026-10-25T09:20:00+01:00"
}

Response fields

Field	Type	Description
accountNumber	string, 10 digits	The account number.
currency	string, NGN	The balance currency.
availableBalance	number, naira, at most 2 decimal places	What the account can spend now. Excludes held money and accepted transfers.
pendingSettlementBalance	number or null, naira, at most 2 decimal places	Card proceeds not yet settled. Null while card settlement isn’t available.
heldBalance	number, naira, at most 2 decimal places	Money held against pending debits. 0 when nothing is held.
nextExpectedSettlementDate	date, YYYY-MM-DD, or null	When the next card settlement is expected. Null while card settlement isn’t available.
asOf	timestamp	When the figures were taken.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
404	{"error":{"code":"25","message":"Resource not found"}}
503	{"error":{"code":"91","message":"Service unavailable"}}

Get account transactions

Request

GET https://api-dev.spay.ng/api/v1/accounts/8880000001/transactions?from=2026-10-01&to=2026-10-25&offset=0&limit=20
Authorization: Bearer <access-token>
Accept: application/json

curl

curl 'https://api-dev.spay.ng/api/v1/accounts/8880000001/transactions?from=2026-10-01&to=2026-10-25&offset=0&limit=20' \
  -H "Authorization: Bearer $SPAY_ACCESS_TOKEN" \
  -H "Accept: application/json"

No request body.

Request fields

Field	Type	Required	Description
accountNumber (path)	string, 10 digits	Yes	One of your accounts. A malformed number returns 400, code 30.
from (query)	date, YYYY-MM-DD	No	The first day to include, inclusive, in Africa/Lagos time, by when the transaction was recorded. Omit it for the full history.
to (query)	date, YYYY-MM-DD	No	The last day to include, inclusive, in Africa/Lagos time. Omit it for up to today.
offset (query)	integer, at least 0	No	How many transactions to skip. Default 0. Out of range returns 400, code 30.
limit (query)	integer, 1 to 100	No	How many transactions to return. Default 20. Out of range returns 400, code 30.

Response: 200 OK

{
  "content": [
    {
      "reference": "pay-pos-0001",
      "originalReference": null,
      "ownerAccountNumber": "8880000001",
      "type": "INTERBANK_TRANSFER",
      "mode": "DEBIT",
      "status": "SUCCESSFUL",
      "reviewRequired": false,
      "amount": 1000.0,
      "feeAmount": 1.25,
      "currency": "NGN",
      "source": {
        "accountNumber": "8880000001",
        "accountName": "Adunni Foods"
      },
      "beneficiary": {
        "accountNumber": "0123456789",
        "accountName": "Example Beneficiary",
        "institutionCode": "000013",
        "institutionName": "Example Bank"
      },
      "narration": "POS payment",
      "failureReason": null,
      "transactionDate": "2026-10-25T09:15:00+01:00",
      "updatedAt": "2026-10-25T09:15:30+01:00"
    }
  ],
  "count": 1,
  "total": 1,
  "last": true
}

Response fields

Field	Type	Description
content[].reference	string	The transaction’s reference: yours for a transfer you made.
content[].originalReference	string or null	Set on a reversal: the reference of the transaction it reverses.
content[].ownerAccountNumber	string, 10 digits	The account the transaction belongs to.
content[].type	enum: INTERBANK_TRANSFER, INTRABANK_TRANSFER, BILL_PAYMENT_DEBIT, BILL_PAYMENT_REVERSAL	What kind of transaction it is.
content[].mode	enum: DEBIT, CREDIT	Whether money left or reached the account.
content[].status	enum: PENDING, SUCCESSFUL, FAILED, REVERSED	The transaction’s status.
content[].reviewRequired	boolean	true while Spay establishes the outcome of a PENDING transaction.
content[].amount	number, naira, at most 2 decimal places	The amount.
content[].feeAmount	number, naira, at most 2 decimal places	The fee charged on the transaction, net of any refund. 0 when no fee was charged.
content[].currency	string, NGN	The currency.
content[].source.accountNumber	string or null	The account the money came from.
content[].source.accountName	string or null	That account’s name.
content[].source.institutionCode	string, omitted for the owner account	The sending institution’s code.
content[].source.institutionName	string, omitted for the owner account	The sending institution’s name.
content[].beneficiary.accountNumber	string or null	The account the money went to.
content[].beneficiary.accountName	string or null	That account’s name.
content[].beneficiary.institutionCode	string, omitted for the owner account	The receiving institution’s code.
content[].beneficiary.institutionName	string, omitted for the owner account	The receiving institution’s name.
content[].narration	string, may be empty	The transaction’s narration.
content[].failureReason	enum: INSUFFICIENT_FUNDS, SOURCE_ACCOUNT_UNAVAILABLE, BENEFICIARY_UNAVAILABLE, CANCELLED, PROCESSING_ERROR, or null	Why a FAILED transaction failed; null otherwise.
content[].transactionDate	timestamp	When the transaction happened.
content[].updatedAt	timestamp	When the transaction last changed.
count	integer	The number of transactions on this page.
total	integer	The number of matching transactions.
last	boolean	Whether this is the last page.

• Transactions are listed newest first.

Errors

HTTP status	Body
400	{"error":{"code":"30","message":"Invalid request"}}
401	{"error":{"code":"63","message":"Missing, invalid or expired access token"}}
403	{"error":{"code":"63","message":"Operation not permitted"}}
404	{"error":{"code":"25","message":"Resource not found"}}
503	{"error":{"code":"91","message":"Service unavailable"}}