Nigerian Naira (NGN) Collections

Customers pay Nigerian Naira by bank transfer. The quote returns a virtual account. They pay that account. Mavapay then credits a wallet or sends the payout. NGN collection quotes are valid for 10 minutes. You can also pay from your internal NGN wallet when the balance covers the quote. Pass sourceWallet: "NGN" and skipVirtualAccount: true, then accept the quote.

Where the funds go

Destination	`targetCurrency`	`autopayout`	`beneficiary`
Internal USDT wallet	`USDTCENT`	`false`	omit
External USDT address	`USDTCENT`	`true`	USDT `address` + `network`
Internal BTC wallet	`BTCSAT`	`false`	omit
External BTC	`BTCSAT`	`true`	Lightning invoice, Lightning address, or on-chain address
ZAR bank account	`ZARCENT`	`true`	ZAR bank beneficiary
GHS mobile money	`GHSPESEWA`	`true`	GHS MTN beneficiary
KES mobile money	`KESCENT`	`true`	KES beneficiary

paymentCurrency is what amount means. It must be sourceCurrency or targetCurrency.

NGNKOBO — kobo (100 = 1 NGN)
USDTCENT — USDT cents (10000 = 100 USDT)
BTCSAT — satoshis

paymentMethod is BANKTRANSFER.

Buy USDT and send it to an address

The customer pays the virtual account on the quote. USDT is sent to beneficiary after the transfer is received.

curl --request POST \
  --url https://api.mavapay.co/api/v1/quote \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "amount": "10000",
    "sourceCurrency": "NGNKOBO",
    "targetCurrency": "USDTCENT",
    "paymentMethod": "BANKTRANSFER",
    "paymentCurrency": "USDTCENT",
    "autopayout": true,
    "customerReference": "onchain ngn 1",
    "beneficiary": {
      "address": "TR7NHqjeKQxGTCi8q8ZY4pL8ktSzgjLj6t",
      "network": "trc20"
    }
  }'

{
  "status": "ok",
  "data": {
    "id": "c4b76db5-c9f8-452d-b40b-4c1a065190bf",
    "exchangeRate": 82002.94497,
    "usdToTargetCurrencyRate": 1,
    "sourceCurrency": "NGNKOBO",
    "targetCurrency": "USDTCENT",
    "transactionFeesInSourceCurrency": 68525,
    "transactionFeesInTargetCurrency": 50,
    "amountInSourceCurrency": 13910500,
    "amountInTargetCurrency": 10000,
    "paymentMethod": "BANKTRANSFER",
    "expiry": "2026-10-16T02:16:58.104Z",
    "isValid": true,
    "invoice": "",
    "hash": "6ad186c27e7528e98f260f99",
    "totalAmountInSourceCurrency": 13910500,
    "customerInternalFee": 0,
    "customerReference": "onchain ngn 1",
    "invoiceRequired": false,
    "bankName": "WEMA BANK",
    "ngnBankAccountNumber": "7824121093780538",
    "ngnAccountName": "Mava Digital Solutions Limited",
    "ngnBankCode": "000027",
    "estimatedRoutingFee": 100,
    "orderId": "261016-JXEMY-DB30Y"
  }
}

Pay exactly totalAmountInSourceCurrency in kobo (13910500 = ₦139,105.00) to ngnBankAccountNumber before expiry.

Field	Use
`ngnBankAccountNumber`	Account number to pay
`ngnAccountName`	Account name
`bankName`	Bank
`amountInTargetCurrency`	USDT sent, in cents (`10000` = 100 USDT)

To credit the internal USDT wallet instead, set autopayout to false and omit beneficiary.

Pay from the internal NGN wallet

Skip the virtual account and debit the NGN wallet.

{
  "amount": "10000",
  "sourceCurrency": "NGNKOBO",
  "targetCurrency": "USDTCENT",
  "paymentMethod": "BANKTRANSFER",
  "paymentCurrency": "USDTCENT",
  "autopayout": true,
  "sourceWallet": "NGN",
  "skipVirtualAccount": true,
  "beneficiary": {
    "address": "TR7NHqjeKQxGTCi8q8ZY4pL8ktSzgjLj6t",
    "network": "trc20"
  }
}

curl --request POST \
  --url https://api.mavapay.co/api/v1/wallet/payout/QUOTE_ID/accept \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "sourceWallet": "NGN"
  }'

Buy BTC

Use targetCurrency: "BTCSAT". paymentCurrency: "BTCSAT" means amount is satoshis. paymentCurrency: "NGNKOBO" means amount is kobo.

Lightning delivery: Buying Bitcoin (Lightning)
On-chain delivery: Buying Bitcoin (On-Chain)

autopayout: false credits your internal BTC wallet. autopayout: true requires a Bitcoin beneficiary.

Other payout currencies

The same NGN payment can settle to another currency. Pass autopayout: true and that currency’s beneficiary.

NGN to ZAR
NGN to GHS
NGN to KES — targetCurrency: "KESCENT"

Beneficiary formats: USDT, BTC, ZAR, KES, GHS.

Webhooks

Event	When
`payment.received`	The NGN transfer is received
`payment.sent`	USDT, BTC, or the payout is sent (`autopayout: true`)

See webhook examples.

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Nigerian Naira (NGN) Collections

Where the funds go

Buy USDT and send it to an address

Pay from the internal NGN wallet

Buy BTC

Other payout currencies

Webhooks

​Where the funds go

​Buy USDT and send it to an address

​Pay from the internal NGN wallet

​Buy BTC

​Other payout currencies

​Webhooks

Where the funds go

Buy USDT and send it to an address

Pay from the internal NGN wallet

Buy BTC

Other payout currencies

Webhooks