Create a payout beneficiary. If a matching beneficiary already exists for the business, account number, bank, integration, and mode, Kyshi returns the existing record.

-H "x-api-key: your_secret_key"

POST {{host}}/v1/transfer/beneficiaries

Request Body

Field	Data Type	Required	Description
accountName	string	Yes	Beneficiary account name.
accountNumber	string	Yes	Beneficiary bank account number, or mobile money phone number for mobile money payouts.
bankName	string	Yes	Beneficiary bank name, or mobile money provider name for mobile money payouts.
bankCode	string	Yes	Beneficiary bank code. For XOF mobile money payouts, use the mobile money provider code such as `MTN_MOMO_CIV`, `ORANGE_CIV`, or `WAVE_CIV`.
currency	string	Yes	Payout currency. Supported payout currencies include `NGN`, `GHS`, `KES`, and `XOF`, depending on what is enabled for your business.
description	string	No	Description for the beneficiary.
bvn	string	No	Beneficiary BVN, when required.
nameEnqRef	string	No	Name enquiry/session reference returned by name enquiry, when available.

{
  "accountName": "FEMI ZACK",
  "accountNumber": "0123456789",
  "bankName": "Access Bank",
  "bankCode": "000014",
  "currency": "NGN",
  "description": "Supplier payout",
  "nameEnqRef": "SESSION_123456789"
}

{
  "status": true,
  "message": "Success",
  "code": 201,
  "data": {
    "id": "8495ec4e-ce21-405f-b0cf-982702881f4d",
    "accountName": "FEMI ZACK",
    "accountNumber": "0123456789",
    "bankName": "Access Bank",
    "bankCode": "000014",
    "bvn": "",
    "providerId": "SESSION_123456789",
    "description": "Supplier payout",
    "isActive": true,
    "mode": "live",
    "createdAt": "2026-05-20T10:15:00.000Z",
    "updatedAt": "2026-05-20T10:15:00.000Z"
  }
}

XOF Mobile Money Beneficiary

For XOF payouts, create the beneficiary with the recipient's mobile money phone number as accountNumber and the mobile money provider as both bankName and bankCode.

{
  "accountName": "Jean Kouadio",
  "accountNumber": "2250700000000",
  "bankName": "ORANGE_CIV",
  "bankCode": "ORANGE_CIV",
  "currency": "XOF",
  "description": "Customer mobile money wallet"
}

Supported Côte d'Ivoire mobile money provider codes include:

Provider	`bankCode`
MTN Mobile Money	`MTN_MOMO_CIV`
Orange Money	`ORANGE_CIV`
Wave	`WAVE_CIV`