Multigate
    • 🚀 Getting Started
    • 🔓 Authentication
      • Get Token
      • Refresh Token
      • Logout User
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      • Get Current User Info
    • 👋 Onboarding
      • Create Subclient
      • Get All Subclients
      • Get Subclient
      • Update Subclient
      • Create Subclient Shareholder
      • Get Subclient Shareholders
      • Update Subclient Shareholder
      • Upload Subclient Documents
      • Get Subclient Documents
      • Delete Subclient
      • Submit Subclient
    • 🏦 Accounts
      • 📄 Statements
        • V2
          • Get statement by account entity Id
          • Download statement by account entity Id
        • Get Statement
        • Download statement
      • Create Virtual Account
      • Get Account
      • Get Accounts By
      • Get All Accounts
      • Simulate Inflow (UAT only)
    • 🔃 Conversions
      • Get Quote
      • Lock Rate
      • Get Trade
      • Get All Trades
    • 💸 Transfers
      • 🏦 Banks
        • Get Bank Details
      • 👤 Beneficiaries
        • Create Beneficiary
        • Get All Beneficiaries
        • Get Beneficiary
        • Update Beneficiary
        • Validate Beneficiary Account (NGN only)
      • Create Single Transfer
      • Get Transfer Fields & Fees
      • Find Transfers
    • 🔔 Webhooks / Push Notifications
      • Add a New Client Configuration
      • Update Client Configuration Current Mode
      • Get Client Configuration
    • 📲 Remittance
      • Initiate Remittance
      • Get Remittance
    • 📥 Receivables
      • Create Receivable
      • Get Receivable

    💸 Payments

    Payment rails & required fields#

    Our API interface is designed to be as simple as possible and abstract complexity away from the user, so we don't require you to specify a specific payment method or rail when creating beneficiaries and instructing transfers.
    Instead, we require a unified set of beneficiary and account details which give Multigate's payment routing system the best chance of sending the transfer via the most optimal rail.

    How to instruct a single transfer#

    1
    Create the beneficiary
    It's recommended (although not compulsory) to create the recipient using Create Beneficiary before instructing a transfer.
    2
    Get fees and fields (optional)
    If you'd like to show the end customer a preview of the transfer fee and ensure you're showing the right mandatory fields, use Get Transfer Fields & Fees to show this information.
    3
    Instruct transfer
    Create a single transfer using Create Single Transfer, passing the newly created beneficiary id.
    Sufficient balance
    In order to instruct a transfer, you must have enough funds in the source account to cover both the principal amount and applicable fees.

    How to instruct a bulk transfer#

    1
    Download the template
    Get the bulk transfer .XLSX template from Get Bulk Transfer Template.
    2
    Populate details
    Populate the template with beneficiary and transfer details.
    3
    Instruct transfer
    Create a bulk transfer using Create Bulk Transfer, uploading the completed template file.

    Transfer lifecycle#

    image.png
    *Note: "completed" may not necessarily mean the transfer has been successfully credited to the ultimate beneficiary.
    Modified at 2026-07-20 09:59:38
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