Resolve account

Use this endpoint to verify a recipient’s bank account and generate a reusable recipientCode. The returned recipientCode can be used to create one or more bank transfers to the same recipient without sending the bank account details again.

Always verify that the returned accountName matches the intended recipient before initiating a transfer.

Endpoint

POST /v1/banks/resolve

Headers

Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxx
Content-Type: application/json

Request body

Field	Type	Required	Description
`accountNumber`	string	Yes	Recipient bank account number.
`bankCode`	string	Yes	Bank code obtained from the List Banks endpoint.

Example request

curl https://api.oyapasteaza.com/v1/banks/resolve \
  -X POST \
  -H "Authorization: Bearer sk_live_xxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "1234567890",
    "bankCode": "044"
  }'

Successful response

{
  "status": true,
  "message": "Account resolved successfully.",
  "data": {
    "recipientCode": "rcp_7hK2j9xLmQ4",
    "accountNumber": "1234567890",
    "accountName": "JOHN DOE",
    "bank": {
      "code": "044",
      "name": "Access Bank Plc"
    }
  }
}

How account resolution works

List supported banks

Retrieve the supported banks and select the appropriate bank code.

Resolve the recipient

Send the recipient’s account number and bank code to the Resolve Account endpoint.

Verify the account name

Confirm that the returned account name belongs to the intended recipient before proceeding.

Store the recipient code

Save the returned recipientCode and reuse it for future transfers to the same account without resolving again.

Notes

Every successful account resolution generates a reusable recipientCode.
The same recipientCode can be used for multiple transfers to the same recipient.
You do not need to resolve the same account before every transfer unless the recipient changes.
Account names may be returned in uppercase depending on the underlying banking provider.
The recipientCode is scoped to your merchant account and cannot be used by another merchant.

Next steps

List banks

Retrieve supported banks and bank codes.

Create transfer

Send money using a previously generated recipientCode.

Getting Started

Collections

Disbursements

Endpoint

Headers

Request body

Example request

Successful response

How account resolution works

Notes

Next steps

List banks

Create transfer

​Endpoint

​Headers

​Request body

​Example request

​Successful response

​How account resolution works

​Notes

​Next steps

List banks

Create transfer

Endpoint

Headers

Request body

Example request

Successful response

How account resolution works

Notes

Next steps