Claim Gift

Claim a gift by providing receiver bank details. Account name is resolved server-side via NUBAN — never send it from the client.

POST /v1/payments/gifts/:reference/claim/confirm

No special permission required (gift recipient doesn't need API key)

Request Body:

Field	Type	Required	Description
receiver.bankCode	string	Yes	Bank code
receiver.accountNumber	string	Yes	Account number

Example Request:

POST /v1/payments/gifts/2S-GIFT01/claim/confirm
{
  "receiver": {
    "bankCode": "090405",
    "accountNumber": "8012345678"
  }
}

Response:

{
  "success": true,
  "message": "Gift claimed successfully. Payout is being processed.",
  "payment": {
    "reference": "2S-GIFT01",
    "status": "settling",
    "receiver": {
      "accountName": "JOHN DOE",
      "accountNumber": "8012345678",
      "bankName": "MONIEPOINT MICROFINANCE BANK"
    }
  }
}

Error Cases:

• Gift not found: 404
• Already claimed: 400 - Gift has already been claimed
• Not a gift: 400 - Payment is not a gift