Re-check a payout with its rail

{
  "id": "WD-7C41A9E2",
  "object": "payout",
  "status": "failed",
  "reference": "WD-7C41A9E2",
  "rail": "bank",
  "currency": "NGN",
  "amount": "185000.00",
  "fee": "50.00",
  "destination": {
    "account_number": "0123456789",
    "account_name": "Bright Ideas Ltd",
    "bank_code": "058",
    "bank_name": "GTBank"
  },
  "narration": "Supplier settlement",
  "failure_reason": "Beneficiary account does not accept transfers",
  "livemode": true,
  "created_at": "2026-08-30T10:02:11.417Z",
  "updated_at": "2026-08-30T10:02:13.902Z"
}