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Payment Example Payload

Payout has 2 crucial flow, which are:
  • Validate Transfer Recipient
  • Request Payout

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Validate Transfer Recipient - Mobile Money (POST /billing/v1/transfer-recipients/validate)

A Basic Validate Transfer Recipient for Mobile Money Payload will look like this (We will use MTN MoMo as a example): 
{
      "provider": "mtn-momo-ivory-coast",
      "channel": "mobile-money",
      "currency": "XOF",
      "country": "CI",
      "account": {
        "phoneNumber": "225XXXXXXXXXX"
      }
}
Sample Response: 
{
    "statusCode": 200,
    "data": {
        "provider": "mtn-momo-ivory-coast",
        "providerLabel": "MTN MoMo",
        "source": "disbursement",
        "channel": "mobile-money",
        "currency": "XOF",
        "country": "CI",
        "accountLabel": "MTN MoMo | 225XXXXXXXXXX",
        "account": {
            "network": "MTN",
            "phoneNumber": "225XXXXXXXXXX",
            "accountName": "John Doe"
        },
        "status": "active",
        "createdAt": "2024-12-12T02:06:32.155Z",
        "updatedAt": "2024-12-12T20:33:17.758Z",
        "id": "675a4528d14b406a3d31e4a8"
    }
}

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Validate Transfer Recipient - Bank Transfer (POST /billing/v1/transfer-recipients/validate)

A Basic Validate Transfer Recipient for Mobile Money Payload will look like this: 
{
      "provider": "bank-transfer-nigeria",
      "channel": "bank-transfer",
      "currency": "NGN",
      "country": "NG",
      "account": {
        "accountNumber": "0123456789",
        "bankCode": "948"
      }
}
Sample Response: 
{
    "statusCode": 200,
    "data": {
        "provider": "bank-transfer-nigeria",
        "providerLabel": "Bank Transfer",
        "source": "disbursement",
        "channel": "bank-transfer",
        "currency": "NGN",
        "country": "NG",
        "tags": [],
        "accountLabel": "Momo Payment Service Bank | AAA BBB XXX | 2215381176",
        "account": {
            "name": "AAA BBB XXX",
            "accountName": "AAA BBB XXX",
            "accountNumber": "2215381176",
            "bankCode": "948",
            "bankName": "Momo Payment Service Bank"
        },
        "status": "pending",
        "createdAt": "2025-05-26T12:58:04.476Z",
        "updatedAt": "2025-05-26T12:58:04.476Z",
        "id": "6834655cdc1370231451f2a5"
    }
}

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Request Payout (POST /billing/v1/disbursements)

A Basic Validate Transfer Recipient for Mobile Money Payload will look like this (We will use MTN MoMo as a example): 
{
  "transferRecipientId": "675a4528d14b406a3d31e4a8", //ID from Validate Transfer Recipient
  "amount": 3000, // Amount in lowest denomination (cents/kobo)
  "narration": "payment 10.0",
  "pin": "1111",
}
Sample Response: 
{
  "statusCode": 201,
  "data": {
    "reference": "D20241216141720XXXXX",
    "amount": 3000,
    "amountPayable": 3000,
    "charge": 15,
    "provider": "mtn-momo-ivory-coast",
    "currency": "XOF",
    "country": "CI",
    "status": "processing"
  }
}

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Verify Payout (GET /billing/v1/disbursements/:reference)

Sample Response: 
{
  "data": {
    "clientId": "payfusion",
    "status": "success",
    "statusDescription": "success",
    "reference": "D20241223060657MOHAA",
    "providersReference": "pt-D20241223060657MOHAA",
    "externalReference": "D20241223060657MOHAA",
    "currency": "XOF",
    "country": "CI",
    "transferRecipientId": "6768fdf84764676cde0b630e",
    "transferRecipientLabel": "Wave | +2257038102474",
    "charge": 0,
    "amount": 3000,
    "finalAmount": 3000,
    "provider": "wave-ivory-coast",
    "channel": "mobile-money",
    "integrationId": "6762bcccdd35fc1c7cae5bd6",
    "id": "6768fe014764676cde0b6313"
  },
  "statusCode": 200
}
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