Verify a Bank Transfer — GET /disbursements/verify

Use this endpoint to check the outcome of a previously initiated transfer. Because transfers are processed asynchronously, the status may be processing immediately after initialization and will transition to a terminal state (success, failed, reversed, or expired) once the bank has settled the transaction.

GET https://sandbox.lyseis-pay.com/disbursements/verify/{reference}

Headers

Header	Value
`X-Key-Id`	Your merchant key ID
`X-Timestamp`	Unix timestamp of the request
`X-Signature`	HMAC request signature

Path parameters

string

required

The unique reference you supplied when the transfer was initialized.

Example response

{
  "status": "success",
  "data": {
    "reference": "payout_12345",
    "amount": 10000.00,
    "fee": 50.00,
    "currency": "NGN",
    "destination_bank_code": "058",
    "destination_bank_account": "0123456789",
    "destination_bank_name": "Example Bank",
    "customer_name": "Ada Lovelace",
    "customer_email": "ada@example.com",
    "narration": "Merchant payout",
    "transfer_status": "success",
    "metadata": {
      "payout_id": "12345"
    },
    "created_at": "2026-01-15T10:00:00Z",
    "updated_at": "2026-01-15T10:02:30Z"
  }
}

Response fields

string

The unique reference for this transfer.

number

The transfer amount.

number

The processing fee charged for this transfer.

string

ISO 4217 currency code.

string

Bank code of the recipient’s bank.

string

Recipient’s bank account number.

string

Name of the recipient’s bank.

string

Name of the transfer recipient.

string

Email address of the transfer recipient.

string

The narration supplied when the transfer was initialized.

string

Current status of the transfer. See the status table below.

object

The metadata object supplied at initialization, if any.

string

ISO 8601 timestamp when the transfer was created.

string

ISO 8601 timestamp of the most recent status update.

Transfer statuses

Status	Description
`processing`	The transfer has been accepted and is being processed by the bank. This is not a terminal state — check again shortly.
`success`	The transfer was completed and funds have been credited to the recipient’s account.
`failed`	The transfer could not be completed. Funds have been returned to your merchant balance.
`reversed`	The transfer was initially successful but was subsequently reversed by the bank or by Lyseis Pay. Funds have been returned to your merchant balance.
`expired`	The transfer was not processed within the allowed window and has expired. Funds have been returned to your merchant balance.

Checking transfer status

You can determine the final outcome of a transfer through any of these methods:

Poll this endpoint — GET /disbursements/verify/{reference} until the status is no longer processing.
List transfer history — GET /merchants/disbursements supports filtering by status and date. See Transfer History.
Webhook notification — Configure a webhook_url when initializing the transfer, or set a default in your merchant dashboard, to receive a POST when the transfer reaches a terminal state.

Payments

Virtual Accounts

Direct Debits

Refunds

Transfers

Banks

Verify a Bank Transfer — GET /disbursements/verify

Path parameters

Example response

Response fields

Transfer statuses

Checking transfer status

​Path parameters

​Example response

​Response fields

​Transfer statuses

​Checking transfer status

Path parameters

Example response

Response fields

Transfer statuses

Checking transfer status