Api reference
Verify a withdrawal OTP and initiate payout
POST/api/merchant/withdrawals/{withdrawalId}/verify-otp
Request
Parameters
Prop
Type
Request body (required)
Prop
Type
{ "otp": "123456"}Responses
200 Withdrawal initiated
Example response
{ "message": "withdrawal otp verified and transfer initiated", "response": { "withdrawalId": "mwd_123e4567-e89b-12d3-a456-426614174000", "amount": 25000, "currency": "NGN", "status": "processing", "destinationAccountNumber": "0123456789", "destinationBankCode": "100033", "destinationBankName": "PALMPAY", "destinationAccountName": "Jane Doe", "onchainTxHash": "", "providerTransferRef": "aella_transfer_123", "sessionId": "session_123", "failureReason": "", "otpIssuedAt": "2026-08-24T12:00:00.000Z", "createdAt": "2026-08-24T12:00:00.000Z", "updatedAt": "2026-08-24T12:00:00.000Z", "otpVerifiedAt": "2026-08-24T12:00:00.000Z" }}