Skip to main content

​
Mobile Money Transfer

This endpoint supports wallet withdrawals to mobile money accounts for supported currencies.

​
Supported Currencies

CurrencyCountry/Region
GHSGhana
XOFBenin, Ivory Coast, Burkina Faso, Senegal
XAFCameroon

​
Transfer Flow

​
Step 1: Ensure Sufficient Balance

Ensure the user has sufficient wallet balance for the selected currency before initiating a transfer.

​
Step 2: Fetch Supported Mobile Money Providers

Retrieve the list of supported mobile money providers for the selected country and currency by calling the utility endpoint: 
GET /transaction/{method}/providers?currency={currency}&iso2={iso2}
Example: 
GET /transaction/MOBILE_MONEY/providers?currency=XOF&iso2=BJ
Use the returned provider code as the value for the network field when initiating the transfer.

​
Fields

​
Required

FieldDescription
currencyWallet currency — GHS, XOF, or XAF
amountAmount to transfer
phoneNumberRecipient mobile money number
networkMobile money provider code (e.g. MTN, MTN_MOMO_BEN)

​
Conditionally Required

FieldDescription
iso2Required when currency is XOF or XAF. Must match the selected country (e.g. BJ, CI, BF, SN, CM)

​
Optional

FieldDescription
narrationTransaction description

​
Sample Request Payloads

​
GHS Mobile Money Transfer

{
  "currency": "GHS",
  "amount": 10,
  "narration": "Gift",
  "phoneNumber": "+233237867135",
  "network": "MTN"
}

​
XOF Mobile Money Transfer

{
  "currency": "XOF",
  "iso2": "BJ",
  "amount": 10,
  "narration": "Refund",
  "phoneNumber": "+22990123456",
  "network": "MTN_MOMO_BEN"
}

​
Notes

  • Fees may apply and will be deducted from the wallet balance.
  • For XOF and XAF, the iso2 field is mandatory and must match the selected country.
  • Always fetch providers from /transaction/{method}/providers before initiating transfers.
  • Transfers are subject to mobile network processing times.
  • Invalid phone numbers, unsupported providers, or incorrect country codes will result in validation errors.