Withdraw to Mobile Money

Mobile Money Transfer

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

Supported Currencies

Currency	Country/Region
`GHS`	Ghana
`XOF`	Benin, Ivory Coast, Burkina Faso, Senegal
`XAF`	Cameroon

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

Field	Description
`currency`	Wallet currency — `GHS`, `XOF`, or `XAF`
`amount`	Amount to transfer
`phoneNumber`	Recipient mobile money number
`network`	Mobile money provider code (e.g. `MTN`, `MTN_MOMO_BEN`)

Conditionally Required

Field	Description
`iso2`	Required when currency is `XOF` or `XAF`. Must match the selected country (e.g. `BJ`, `CI`, `BF`, `SN`, `CM`)

Optional

Field	Description
`narration`	Transaction 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.

Exchange

Wallet

Payment links

Quick Reference

Withdraw to Mobile Money

Mobile Money Transfer

Supported Currencies

Transfer Flow

Step 1: Ensure Sufficient Balance

Step 2: Fetch Supported Mobile Money Providers

Fields

Required

Conditionally Required

Optional

Sample Request Payloads

GHS Mobile Money Transfer

XOF Mobile Money Transfer

Notes

​Mobile Money Transfer

​Supported Currencies

​Transfer Flow

​Step 1: Ensure Sufficient Balance

​Step 2: Fetch Supported Mobile Money Providers

​Fields

​Required

​Conditionally Required

​Optional

​Sample Request Payloads

​GHS Mobile Money Transfer

​XOF Mobile Money Transfer

​Notes

Mobile Money Transfer

Supported Currencies

Transfer Flow

Step 1: Ensure Sufficient Balance

Step 2: Fetch Supported Mobile Money Providers

Fields

Required

Conditionally Required

Optional

Sample Request Payloads

GHS Mobile Money Transfer

XOF Mobile Money Transfer

Notes