Payment API (MENA only)

The Payment API endpoints provide all the functionality required for you to perform financial operations on your user's behalf.

The Payment APIs are:

• Dapi AutoFlow - The easiest and most efficient way to facilitate payments.
• [Not required when using Autoflow] Get beneficiaries - Retrieve beneficiaries from the bank account.
• [Not required when using Autoflow] Create Beneficiary - Create a beneficiary for a bank account.
• [Not required when using Autoflow] Create Transfer - Initiate a transfer (to an existing beneficiary only).

Beneficiaries

Beneficiaries are the receivers of the payment. You will always need to specify the beneficiary when using Dapi's API.

When using Transfer Auto Flow:

• Beneficiaries are automatically added and managed
• You have the option to set default beneficiaries on Dapi Dashboard. This is a great option if your payments are always received by the same beneficiaries that you know ahead of time.

Beneficiairy Cool Down

Some banks do not allow immediate transfers to a newly added beneficiary. Beneficiary Cooldown time shows how long the user needs to wait before they can make a transfer to a newly added beneficiary.

You can get the potential cooldown value ahead of time by using the Get Account Metadata endpoint. The value varies bank to bank.