Saved recipients with bulk import and validation.
The riskiest moment in a payout is typing an account number. Saving recipients means it only happens once, and that once can be checked.
Beneficiaries saves the people and businesses you pay, with the name confirmed when they're added. Bulk import validates every line before anything is saved, and identifiers are masked everywhere except the moment they were saved.
Bank and account number, with the name confirmed by name enquiry.
A file of recipients, every line validated before anything is saved.
Pay a saved beneficiary in one call, without sending the account number again.
Mark favourites, group recipients, and remove old ones.
Each recipient's name is checked when they're added.
Every line validated; errors returned per line.
Account numbers are masked everywhere except the save that created them.
Newly added recipients can be held for a period before large payments.
Group recipients, such as suppliers or staff, for runs and reports.
Pin the people paid most often.
Illustrative businesses, not customers. Figures are made up to show the flow.
An agro-aggregator buying from farmers in Kaduna · NGOs & government
Hundreds of farmers are paid at harvest. Account numbers arrive on paper, and errors mean farmers wait weeks.
Harvest payments go out on the day, to the right people.
A supermarket chain in Ibadan · Merchants & e-commerce
Accounts payable retypes supplier details every week. Twice this year a supplier was paid to the wrong account.
Account numbers are typed once, and checked that once.
A security services company in Lagos · Payroll & HR platforms
Guards change often; payroll lists go stale and some pay goes to people who've left.
Pay goes only to people who still work there.
Endpoints in the Beneficiaries API reference, with every parameter and response.
State changes arrive as signed webhooks. How webhooks work
POST /beneficiary
Bridgecurl -X POST "https://api.bridgemoni.com/beneficiary" \
-H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
-H "X-Tenant: $BRIDGEMONI_TENANT" \
-H "X-Environment: $BRIDGEMONI_ENV" \
-H "Content-Type: application/json" \
-d '{
"kind": "BRIDGE_USER",
"alias": "Ada Obi",
"favourite": true,
"groupReferences": [
"b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e"
],
"organizationReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
"identifierType": "ACCOUNT_NUMBER",
"identifier": "March payroll",
"communityReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
"accountNumber": "March payroll",
"msisdn": "March payroll",
"providerCode": "provider code",
"providerName": "Ada Obi",
"countryCode": "NG",
"currencyCode": "NGN",
"productCode": "Ada Obi",
"customerIdentifier": "March payroll",
"cardToken": "March payroll",
"cardScheme": "Ada Obi",
"cardLast4": "Ada Obi",
"cardExpiryMonth": 1,
"cardExpiryYear": 1,
"cryptoAddress": "March payroll",
"cryptoNetwork": "Ada Obi"
}'Yes. Every line is validated, and errors are returned line by line before anything is saved.
So they can't be copied from lists. They're shown in full only on the save that created them.
An optional wait after a recipient is added before large payments to them, which slows down fraud.
We'll come back with what's live for you today, and what's next.