const options = {
  method: 'POST',
  headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    remark: 'Testing',
    reason: 'Gift',
    invoice: '4b9b6d30-a2ed-421a-bd69-11536344f071',
    quoteId: '91e58c2d-ef14-4777-906b-xxxxxxxxxxxxx',
    recipient: {
      name: 'Adeolu Adebayo',
      paymentChannel: 'BANK_TRANSFER',
      currency: 'NGN',
      country: 'NG',
      account: {bankName: 'GT Bank', accountNumber: '001040XXXXX', sortCode: '058'}
    }
  })
};

fetch('https://sandboxapi.me-cash.com/v2/payout', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

{
  "message": "transaction created successfully",
  "status": "success",
  "data": {
    "id": "274fd8a4-38f1-43c9-bf74-ae7744a0dba5",
    "remark": "User-friendly",
    "reason": "Gift",
    "referenceNumber": "0XCGU0EYFEK0Y",
    "invoice": {
      "fileName": "image.png"
    },
    "type": "SEND",
    "state": "PENDING",
    "quote": {
      "id": "4da9d52d-618b-4683-b408-8844d1b520cd",
      "paymentChannel": "SWIFT_CUSTOMER",
      "source": {
        "currency": "USD",
        "country": "US",
        "amount": 10
      },
      "target": {
        "currency": "USD",
        "country": "US",
        "amount": 10
      },
      "rate": 1,
      "fee": {
        "amount": 100,
        "stampDuty": 0
      },
      "summary": {
        "total": 110
      },
      "settlement": "1hr",
      "quoteCurrency": "USD"
    },
    "recipient": {
      "name": "Crystal Strosin",
      "nickName": "magenta",
      "gender": "M",
      "type": "BUSINESS",
      "account": {
        "bankName": "DBS Bank Limited",
        "sortCode": "02090",
        "accountNumber": "885406477269",
        "bankCity": "Atlanta",
        "swiftCode": "GTBINGLA"
      },
      "occupation": "business enterpreneur"
    },
    "sender": {
      "name": "Test Limited",
      "icNumber": "96671733919",
      "nationality": "NG",
      "address": {
        "line1": "12 main st"
      },
      "mobileNumber": "+234872272808",
      "occupation": "HEALTHCARE"
    },
    "created": "2026-04-23T18:06:41.022734019Z",
    "processed": "2026-04-23T18:06:41.022734019Z"
  }
}