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

# Supported Payment Methods

> Required fields and rules for each supported payment method

These rules apply to both `buyerDebitPaymentDetails` and `buyerCreditPaymentDetails`  and also the across all endpoints that accept payment detail objects. Always ensure the selected payment method is valid for the chosen currency — invalid or mismatched field combinations will result in validation errors.

***

## 1. BANK\_TRANSFER

Typically used for currencies such as `NGN`, `USD`, `GBP`, `EUR`, `CAD`, etc.

**Required fields:** `accountName`, `accountNumber`, `bankCode`, `providerName`, `currency`, `iso2`, `paymentMethod`

**Additional required fields (GBP & EUR only):** `holderPostalCode`, `holderCity`, `holderStreet`

* `bankCode` is required. Omit the `network` field entirely.
* For `NGN`, set `providerName` to the name of the bank (e.g. `Access Bank`, `GTBank`).
* For currencies that use routing or sort codes (e.g. `USD`, `GBP`, `EUR`), set `bankCode` to the appropriate routing/sort code and `providerName` to the same code or the name of the financial institution.
* For `GBP` and `EUR`, the additional address fields (`holderPostalCode`, `holderCity`, `holderStreet`) are mandatory.
* For `NGN` and `CNY`, fetch supported banks and their `bankCode` values from `/transaction/{method}/providers` (replace `{method}` with `BANK_TRANSFER`).
* To verify an account name for `NGN` bank transfers, call `/transaction/verify-bank-account`.

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## 2. MOBILE\_MONEY

Typically used for currencies such as `GHS`, `MWK`, `KES`, `XOF`, `UGX`, etc.

**Required fields:** `accountName`, `accountNumber`, `network`, `providerName`, `currency`, `iso2`, `paymentMethod`

* Omit `bankCode` entirely. The `network` field is required and must match `providerName` (e.g. `MTN`, `Airtel`, `Vodafone`).
* Fetch supported mobile money providers for a specific country from `/transaction/{method}/providers` (replace `{method}` with `MOBILE_MONEY`).

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## 3. ZELLE

Used for U.S.-based transfers via Zelle.

**Required fields:** `accountName`, `email`, `currency`, `iso2`, `paymentMethod`

* The `email` must belong to a valid Zelle-enabled U.S. bank account.
* Omit `bankCode` and `network` entirely.

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## 4. INTERAC

Used for Canadian email-based transfers via Interac e-Transfer.

**Required fields:** `accountName`, `email`, `currency`, `iso2`, `paymentMethod`

* Supported for `CAD` only.
* Omit `bankCode` and `network` entirely.

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## 5. STABLE\_CURRENCY

Used for blockchain-based stablecoin transfers such as `USDT`, `USDC`, or `BUSD`.

**Required fields:** `walletAddress`, `network`, `currency`, `iso2`, `paymentMethod`

* Valid networks: `TRC20`, `ERC20`, `BEP20`, `SOL`, `TON`.
* `currency` must be one of `USDT`, `USDC`, or `BUSD`. The `iso2` field should match the `currency` field.
* Omit `bankCode`, `accountName`, and `email`.
* For `buyerDebitPaymentDetails`, `walletAddress` is the wallet address you are sending funds from.
* For the `network` value, refer to the `paymentDetails` object in the `/utility/exchange-rate` response — use the `network` value from there.

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## 6. ALIPAY

Used for Chinese Yuan (`CNY`) payments via Alipay.

**Required fields:** `accountName`, `phoneNumber`, `currency`, `iso2`, `paymentMethod`

* Supported for `CNY` only.
* `phoneNumber` is the user's Alipay account identifier.
* Omit `bankCode`, `network`, and `email`.

***

## 7. WECHAT\_PAY

Used for Chinese Yuan (`CNY`) payments via WeChat Pay.

**Required fields:** `accountName`, `phoneNumber`, `currency`, `iso2`, `paymentMethod`

* Supported for `CNY` only.
* `phoneNumber` is the user's WeChat Pay account identifier.
* Omit `bankCode`, `network`, and `email`.

***

## Quick Reference

| Payment Method    | bankCode | network  | email    | phoneNumber | walletAddress |
| ----------------- | -------- | -------- | -------- | ----------- | ------------- |
| `BANK_TRANSFER`   | Required | Omit     | Omit     | Omit        | Omit          |
| `MOBILE_MONEY`    | Omit     | Required | Omit     | Omit        | Omit          |
| `ZELLE`           | Omit     | Omit     | Required | Omit        | Omit          |
| `INTERAC`         | Omit     | Omit     | Required | Omit        | Omit          |
| `STABLE_CURRENCY` | Omit     | Required | Omit     | Omit        | Required      |
| `ALIPAY`          | Omit     | Omit     | Omit     | Required    | Omit          |
| `WECHAT_PAY`      | Omit     | Omit     | Omit     | Required    | Omit          |