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

# Amount Specification

> How to format amounts for Payfonte APIs using the smallest currency denomination.

Payfonte expects `amount` values in the **smallest denomination** of the currency (minor unit).

Use this rule:

`amount_to_send = major_amount * 100`

Example: `100.50 NGN` becomes `10050`.

<Warning>
  Do not send decimal values in API requests. Always send integer amounts.
</Warning>

## Why This Format?

<CardGroup cols={3}>
  <Card title="Precision" icon="bullseye">
    Prevents floating-point rounding issues in financial calculations.
  </Card>

  <Card title="Consistency" icon="repeat">
    Same amount format across collections, disbursements, and wallets.
  </Card>

  <Card title="Provider Alignment" icon="link">
    Matches how payment providers process transaction values internally.
  </Card>
</CardGroup>

## Quick Conversion Table

| Currency | Major Unit | Minor Unit | Example               |
| -------- | ---------- | ---------- | --------------------- |
| NGN      | Naira      | Kobo       | `100.00 NGN -> 10000` |
| GHS      | Cedi       | Pesewa     | `50.00 GHS -> 5000`   |
| KES      | Shilling   | Cent       | `100.00 KES -> 10000` |
| XOF      | CFA Franc  | Minor unit | `10.00 XOF -> 1000`   |
| USD      | Dollar     | Cent       | `25.99 USD -> 2599`   |

## API Examples

The examples below show the same rule in real requests:

* `1250.75 NGN` is sent as `125075` (`amount` in kobo)
* `10000.00 NGN` is sent as `1000000` (`amount` in kobo)

<CodeGroup>
  ```json Collections theme={null}
  {
    "currency": "NGN",
    "amount": 125075,
    "reference": "ORDER-1001"
  }
  ```

  ```json Disbursements theme={null}
  {
    "transferRecipientId": "6659692f019f6a143f7f90db",
    "amount": 1000000,
    "reference": "disbursement-1001"
  }
  ```
</CodeGroup>

## Common Mistakes

<AccordionGroup>
  <Accordion title="Sending decimal amounts" icon="triangle-exclamation" defaultOpen>
    * Incorrect: `"amount": 1250.75`
    * Correct: `"amount": 125075`
  </Accordion>

  <Accordion title="Mixing major and minor units" icon="shuffle">
    Do not send some requests in major units and others in minor units. Standardize conversion in one shared utility.
  </Accordion>

  <Accordion title="Converting on frontend only" icon="mobile-screen-button">
    Conversion logic should run on your backend so it stays controlled and consistent.
  </Accordion>
</AccordionGroup>

## Recommended Implementation Pattern

<Steps>
  <Step title="Store business amounts as decimals or strings in your app">
    Keep your display and business logic readable (for example `1250.75`).
  </Step>

  <Step title="Convert right before API request">
    Convert to minor unit integer (`125075`) at your service boundary.
  </Step>

  <Step title="Log both values for debugging">
    Log `displayAmount` and `apiAmount` so reconciliation is easier.
  </Step>
</Steps>

## Related Docs

<CardGroup cols={3}>
  <Card title="Authorization" icon="key" href="/en/guides/introductions/authorization">
    Add required auth headers to your requests.
  </Card>

  <Card title="Wallets" icon="wallet" href="/en/guides/introductions/wallets">
    Understand wallet balances and wallet states.
  </Card>

  <Card title="API Reference" icon="file-code" href="/en/api-reference/introduction">
    Explore request/response schemas.
  </Card>
</CardGroup>