One integration. A complete payout flow.
CAPSEND gives your money transfer operation one API for sending payouts into Nigeria. You submit the transfer; CAPSEND validates it, reserves the funds, processes the bank payment, and sends your system the final result.
How a transfer works
- 1Onboard
Your staging credentials, webhook configuration, and managed test wallet become available through the CAPSEND MTO platform.
- 2Authenticate
Your backend exchanges its client credentials for a one-hour API token.
- 3Send a transfer
Your backend submits the sender, beneficiary, amount, and a unique idempotency key.
- 4CAPSEND processes it
CAPSEND validates the request, places a wallet hold, sends the bank payment, and reconciles the result.
- 5Receive the outcome
Your webhook receives a signed success or failure event. The status endpoint is available as a fallback.
The partner API
You only need five endpoints for a complete staging integration.
| Purpose | Endpoint |
|---|---|
| Get an access token | POST /api/token |
| View your staging balance | GET /api/test-wallet |
| View staging wallet activity | GET /api/test-wallet/transactions |
| Create a transfer | POST /transactions/createTransaction |
| Check a transfer | GET /transactions/get/:id |
Client credentials and webhook settings are handled during onboarding in the MTO platform. Your integration does not need to create or manage API clients itself.
What each side handles
| Your system | CAPSEND |
|---|---|
| Keep credentials and webhook secrets secure | Validate credentials and isolate each MTO environment |
| Send valid transfer and beneficiary data | Check funds and reserve the transfer amount |
| Use one idempotency key per transfer | Process and reconcile the bank payment |
| Verify webhook signatures and deduplicate events | Retry terminal webhooks when delivery fails |
| Store the CAPSEND transaction ID and reference | Return an authoritative transaction status |
Start in staging
| Environment | Base URL | Funds |
|---|---|---|
| Staging | https://staging.capsendimto.org/v1 | Managed test wallet; no manual funding required |
| Production | https://prod.capsendimto.org/v1 | Live wallet and real transfers |
Staging and production are fully separate. Each has its own credentials, webhook configuration, token, and transaction history. Complete the quickstart in staging before moving to the go-live checklist.