Move money instantly, at any scale.
The Cashmatrix Payout API gives your business one clean integration to disburse funds, collect payments, and settle agents in real time, backed by CBN-licensed infrastructure and NDIC-insured funds.
₦import { Cashmatrix } from '@cashmatrix/payout';
₦
₦const client = new Cashmatrix({
₦ apiKey: 'cmx_live_xxxxx',
₦ secret: 'sk_live_xxxxxxxx',
₦});
₦
₦await client.payouts.initiate({
₦ accountNumber: '0123456789',
₦ bankCode: '058',
₦ amount: 250000,
₦ reference: 'PAY-2026-0001',
₦});
₦
₦// ✔ Disbursed in 0.4s
Everything you need to pay out, collect, and grow.
One API for instant disbursements, virtual accounts, and automated settlements, designed to scale with your business.
Instant Settlements
Trigger on-demand express settlements and schedule custom daily, hourly, or event-based settlement windows — so your agents and partners always have access to funds exactly when they need them.
Virtual Accounts
Generate a dedicated NUBAN account for every customer in seconds. Receive bank transfers automatically and reconcile every payment to the right user without lifting a finger.
Bulk Payouts
Disburse to hundreds of accounts in a single API call. Salaries, commissions, refunds, and agent settlements at scale — with real-time status on every single transaction.
Bank-grade Security
PCI-DSS compliant infrastructure, tokenized credentials, and intelligent fraud monitoring on every transaction. Your funds are insured by the NDIC and the platform is licensed by the CBN.
Sub-accounts & Splits
Split a single payment across up to five accounts automatically. Route marketplace commissions, merchant payouts, and platform fees with our flexible sub-account engine.
Developer-first Tooling
A full sandbox environment, interactive API documentation, webhooks for real-time events, and SDKs for JavaScript, PHP, Python, and more — so you can go live in hours, not weeks.
Live in three simple steps.
Create your account
Sign up for a free Cashmatrix Business account and complete a quick compliance check to unlock live payouts.
Generate your API keys
Grab sandbox keys from the developer dashboard, run test transactions, and switch to live keys when you're ready.
Go live
Deploy your integration and start moving money instantly. Track everything with webhooks and the dashboard.
Simple, predictable and beautifully documented.
From your first hello-world to millions of naira in daily volume, the Cashmatrix API stays refreshingly simple. Get real-time webhooks, transparent errors, and SDKs for the languages you already use.
Read the docsimport { Cashmatrix } from '@cashmatrix/payout';
const client = new Cashmatrix({
apiKey: 'cmx_live_xxxxx',
secret: 'sk_live_xxxxxxxx',
});
await client.payouts.initiate({
accountNumber: '0123456789',
bankCode: '058',
amount: 250000,
reference: 'PAY-2026-0001',
});
// ✔ Disbursed in 0.4s
Built for the way you pay.
Agent Banking
Settle every POS transaction to your agent network instantly — eliminating delays and keeping cash flowing across branches.
Marketplaces
Automatically pay out merchants, vendors, and affiliates the moment a sale completes, with split payments built in.
Payroll & HR
Run bulk salary disbursement across thousands of staff in one call, with bank validation before every credit.
Lending & Fintech
Automate loan disbursement and repayments, verify bank details in real time, and manage collections at scale.