Fund Wallet

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

🇳🇬 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:

Call /wallet/balance to retrieve their wallet details.
Locate the bankDetails object for the NGN wallet.
Transfer funds directly to the provided bank account using their banking app.

The bankDetails object includes:

Field	Description
`accountName`	Name on the bank account
`accountNumber`	Bank account number to transfer to
`bankName`	Name of the receiving bank

Once the transfer is completed, the wallet will be credited automatically. Applicable fees may apply.

Do not call this endpoint for NGN wallet funding.

📱 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.

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

Headers

Header	Required	Description
`idempotencykey`	Yes	A unique value for each exchange you create.

The idempotencykey header is required. Generate a new key for every new exchange. Only reuse a key when retrying the same request after a timeout or network error.

Required Fields

Field	Type	Description
`amount`	`number`	Amount to fund
`currency`	`string`	e.g. `GHS`
`iso2`	`string`	Country code, e.g. `GH`
`paymentMethod`	`string`	Must be `MOBILE_MONEY`
`phoneNumber`	`string`	Mobile money phone number
`network`	`string`	Provider code fetched from utility endpoint

Sample GHS MOBILE_MONEY Payload:

{
  "amount": 100,
  "currency": "GHS",
  "iso2": "GH",
  "paymentMethod": "MOBILE_MONEY",
  "phoneNumber": "+233244607135",
  "network": "MTN"
}

🌍 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.

Supported Countries

Currency	Countries
`XOF`	Benin (`BJ`), Ivory Coast (`CI`), Burkina Faso (`BF`), Senegal (`SN`)
`XAF`	Cameroon (`CM`)

Step 1: Select Country

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

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"
}

Use the provider code (e.g. MTN_MOMO_BEN) as the network value when funding the wallet.

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"
}

Notes

This endpoint should only be used for funding methods that require payment initiation.
For NGN, always fund wallets via direct bank transfer using /wallet/balance.
Always fetch mobile money providers using /transaction/{method}/providers before funding XOF or XAF wallets.
Unsupported currencies, countries (iso2), or providers will result in validation errors.
For mobile money payments, the user will receive a prompt on their phone to enter their mobile money PIN to authorize the transaction.

Exchange

Payment links

Wallet

Stable Wallet

Quick Reference

🇳🇬 NGN Wallet Funding (Bank Transfer)

📱 Mobile Money Wallet Funding (GHS)

Fetch Supported Providers

Headers

Required Fields

🌍 Mobile Money Wallet Funding (XOF & XAF)

Supported Countries

Step 1: Select Country

Step 2: Fetch Mobile Money Providers

Step 3: Initiate XOF / XAF Wallet Funding

Notes

​🇳🇬 NGN Wallet Funding (Bank Transfer)

​📱 Mobile Money Wallet Funding (GHS)

​Fetch Supported Providers

​Headers

​Required Fields

​🌍 Mobile Money Wallet Funding (XOF & XAF)

​Supported Countries

​Step 1: Select Country

​Step 2: Fetch Mobile Money Providers

​Step 3: Initiate XOF / XAF Wallet Funding

​Notes

🇳🇬 NGN Wallet Funding (Bank Transfer)

📱 Mobile Money Wallet Funding (GHS)

Fetch Supported Providers

Headers

Required Fields

🌍 Mobile Money Wallet Funding (XOF & XAF)

Supported Countries

Step 1: Select Country

Step 2: Fetch Mobile Money Providers

Step 3: Initiate XOF / XAF Wallet Funding

Notes