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This endpoint is used to fund a wallet using supported payment methods.

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🇳🇬 NGN Wallet Funding (Bank Transfer)

For NGN (Nigerian Naira) wallets, users do NOT need to call this endpoint to fund their wallet. Instead, users should:
  1. Call /wallet/balance to retrieve their wallet details.
  2. Locate the bankDetails object for the NGN wallet.
  3. Transfer funds directly to the provided bank account using their banking app.
The bankDetails object includes:
FieldDescription
accountNameName on the bank account
accountNumberBank account number to transfer to
bankNameName of the receiving bank
Once the transfer is completed, the wallet will be credited automatically. Applicable fees may apply.

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📱 Mobile Money Wallet Funding (GHS)

For wallets funded via MOBILE_MONEY (e.g. GHS), this endpoint must be called. The user provides their mobile money details and an authorization request will be initiated, after which the user will be prompted to authorize the transaction.

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Fetch Supported Providers

Call the utility endpoint below to fetch supported mobile money providers for the selected country and currency. Use the provider code as the network value. 
GET /transaction/{method}/providers?currency={currency}&iso2={iso2}
Example: 
GET /transaction/MOBILE_MONEY/providers?currency=GHS&iso2=GH

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Required Fields

FieldTypeDescription
amountnumberAmount to fund
currencystringe.g. GHS
iso2stringCountry code, e.g. GH
paymentMethodstringMust be MOBILE_MONEY
phoneNumberstringMobile money phone number
networkstringProvider code fetched from utility endpoint
Sample GHS MOBILE_MONEY Payload: 
{
  "amount": 100,
  "currency": "GHS",
  "iso2": "GH",
  "paymentMethod": "MOBILE_MONEY",
  "phoneNumber": "+233244607135",
  "network": "MTN"
}

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🌍 Mobile Money Wallet Funding (XOF & XAF)

For XOF and XAF wallets, funding is done via MOBILE_MONEY and requires selecting a supported country and provider.

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Supported Countries

CurrencyCountries
XOFBenin (BJ), Ivory Coast (CI), Burkina Faso (BF), Senegal (SN)
XAFCameroon (CM)

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Step 1: Select Country

The user selects the country they want to fund from. This determines the iso2 value.

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Step 2: Fetch Mobile Money Providers

Call the utility endpoint to fetch supported mobile money providers for the selected country and currency. 
GET /transaction/{method}/providers?currency={currency}&iso2={iso2}
Example: 
GET /transaction/MOBILE_MONEY/providers?currency=XOF&iso2=BJ
Sample Response: 
{
  "success": true,
  "data": [
    {
      "network": "MTN",
      "code": "MTN_MOMO_BEN",
      "name": "MTN",
      "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/mtn.png",
      "hasGateway": true
    },
    {
      "network": "MOOV",
      "code": "MOOV",
      "name": "MOOV",
      "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/moov.jpeg",
      "hasGateway": false
    }
  ],
  "message": "Banks fetched successfully"
}

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Step 3: Initiate XOF / XAF Wallet Funding

Call this endpoint with the selected provider details. Sample XOF MOBILE_MONEY Payload: 
{
  "amount": 100,
  "currency": "XOF",
  "iso2": "BJ",
  "paymentMethod": "MOBILE_MONEY",
  "phoneNumber": "+22990123456",
  "network": "MTN_MOMO_BEN"
}

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Notes