> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pcxpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Get a beneficiary



## OpenAPI

````yaml /api-reference/external/openapi.yaml get /beneficiaries/{beneficiary_id}
openapi: 3.0.3
info:
  title: PCX API
  description: >
    The PCX integration API. Every request requires two headers: `Authorization`
    (Bearer JWT for user-facing flows, or the literal string `NONE`) and
    `X-Api-Key` (your API key for server-to-server calls, or the literal string
    `NONE`). Pass `NONE` for whichever header you are not using.
  version: '1.0'
servers:
  - url: https://prod-api.pcxpay.com/v1
    description: Production
  - url: https://devs.pcxpay.com/v1
    description: Development
security: []
tags:
  - name: Payment Initiation
    description: Initiate payments and poll for status
  - name: API Keys
    description: Create and manage API keys for programmatic access
  - name: Webhooks
    description: Register endpoints and receive transaction notifications
  - name: Beneficiaries
    description: Manage payment recipients
  - name: Payments
    description: Initiate and track payments
  - name: Bank Validation
    description: Validate bank accounts before initiating a payment
  - name: Transactions
    description: Query the financial transaction ledger
  - name: Virtual Accounts
    description: Multi-currency virtual account provisioning and fund operations
  - name: Payment Links
    description: Generate shareable payment links for customer checkout
paths:
  /beneficiaries/{beneficiary_id}:
    parameters:
      - $ref: '#/components/parameters/AuthorizationHeader'
      - $ref: '#/components/parameters/XApiKeyHeader'
    get:
      tags:
        - Beneficiaries
      summary: Get a beneficiary
      operationId: getBeneficiary
      parameters:
        - name: beneficiary_id
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Beneficiary object
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  parameters:
    AuthorizationHeader:
      name: Authorization
      in: header
      required: true
      description: >-
        Bearer JWT for user-facing flows (`Bearer eyJraWQ...`), or the literal
        string `NONE` when authenticating via API key.
      schema:
        type: string
        default: NONE
        example: Bearer eyJraWQ...
    XApiKeyHeader:
      name: X-Api-Key
      in: header
      required: true
      description: >-
        API key for server-to-server flows, or the literal string `NONE` when
        authenticating via JWT.
      schema:
        type: string
        default: NONE
        example: pcx_abc123_xxxx
  schemas:
    BeneficiaryResponse:
      type: object
      properties:
        beneficiary_id:
          type: string
        account_type:
          $ref: '#/components/schemas/AccountType'
        beneficiary_of:
          type: string
          description: User ID of the beneficiary owner.
        beneficiary_type:
          $ref: '#/components/schemas/BeneficiaryType'
        fname:
          type: string
        lname:
          type: string
        email:
          type: string
          nullable: true
        phone_number:
          type: string
          nullable: true
        country:
          type: string
        currency:
          type: string
        bank_details:
          type: object
          nullable: true
          properties:
            bank_name:
              type: string
            account_number:
              type: string
            account_name:
              type: string
            bank_code:
              type: string
        momo_details:
          type: object
          nullable: true
          properties:
            network:
              type: string
            phone_number:
              type: string
        loan_client_details:
          type: object
          nullable: true
        external_account_id:
          type: string
          nullable: true
        org_id:
          type: string
          nullable: true
        created_at:
          type: string
          format: date-time
        updated_at:
          type: string
          format: date-time
    AccountType:
      type: string
      enum:
        - bank
        - momo
      description: >
        `bank` — bank account (details in `bank_details`). `momo` — mobile money
        account (details in `momo_details`).
    BeneficiaryType:
      type: string
      enum:
        - loan_client
        - payout_recipient
      default: payout_recipient
    ErrorResponse:
      type: object
      properties:
        message:
          type: string
        status:
          type: string
          enum:
            - error
  responses:
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'

````