Approvals & limits

Payouts need a person, and large ones need two

An API key cannot pay out or refund. Payouts are made by a signed-in team member in the dashboard (or, for a platform with service access, through /v1/service within limits rafiqPay sets).

A single payout of up to ₦1,000,000 is sent at once. A larger one waits in awaiting_approval until a team member other than the one who made it approves or declines it. Every batch waits the same way. Approving needs the approve-payouts permission and a fresh code from that person's authenticator app.

The money for a payout is set aside from your available balance when it is made, so it cannot be spent twice while it waits or is being sent.