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Cameroon Payouts

XAF payouts to banks and MTN / Orange mobile wallets in Cameroon

Use this guide when you want to send XAF payouts to recipients in Cameroon. Cameroon supports bank transfers and mobile wallets (MTN MoMo, Orange Money).

Cameroon shares the XAF currency with the other Central African CFA markets (see Central Africa (XAF)), but it has additional sender requirements that apply to every Cameroon payout, on both rails. Use this page rather than the regional guide when the destination is Cameroon.

Overview

  • Currency: XAF
  • Payment location: CMR
  • Supported rails: Bank transfer, Mobile wallet
  • Payment methods:
    • Bank transfer → paymentMethodId: "banktransfer", recipient.type: "bank_account"
    • Mobile wallet → paymentMethodId: "mobilemoney", recipient.type: "mobile_money"

Required fields by rail

Bank transfer

FieldRequiredNotes
accountNumberYesBank account number
bankCodeYesBank short code — see Bank codes (Cameroon)
accountHolderNameYesName on the account
countryYesCMR
phoneNumberNoInternational format

Mobile wallet (MTN, Orange)

FieldRequiredNotes
phoneNumberYesMSISDN in international format (237 prefix, e.g. 237670123456)
countryYesCMR
operatorYesUse mtn (MTN MoMo) or orange (Orange Money)
nameNoRecipient name

Use the operator the recipient’s wallet is registered with. Sending to a number on the wrong network fails at the provider.

Top-level required fields for every payout: merchantId, merchantReference, destinationValue (with minorAmount and currency), paymentMethodId, paymentLocation, recipient, sender (see Sender details).

Sender details (required)

Every payout requires a sender object with fullName, identity, and identityNumber for KYT/KYC screening. Cameroon payouts additionally require the fields below on both bank and mobile wallet payouts. Requests missing any of them are rejected with a validation error.

FieldTypeRequiredDescriptionExample
fullNamestringYesSender’s full name"Jane Smith"
identitystringYesDocument type: passport, nationalId, driversLicense, residencePermit, businessRegistrationNumber, or other"passport"
identityNumberstringYesIdentity document number"A12345678"
countrystringYesSender’s country of residence (3-letter ISO code)"ZAF"
phoneNumberstringYesSender’s phone number in international format"27821234567"
sourceOfFundsstringYesOrigin of the funds, for example SALARY or BUSINESS"SALARY"
genderstringYesSender’s gender: male or female. other is not accepted for Cameroon."female"

See Create Payout for the full sender schema.

Bank codes (Cameroon)

Use one of the following values in recipient.bankCode. Codes are matched case-insensitively.

bankCodeBank
ACCESS BANKAccess Bank Cameroon PLC
AFBAfriland First Bank
BACBanque Atlantique Cameroun
BGFIBGFIBank Cameroun SA
BICECBanque Internationale du Cameroun pour l’Epargne et le Crédit
BPMEBC PME SA
CBCCommercial Bank - Cameroun
CFCCrédit Foncier du Cameroun
CITICitibank N.A.
ECOCEcobank Cameroun SA
NFCNational Financial Credit Bank S.A.
SCBCStandard Chartered Bank Cameroon S.A.
SGCSociété Générale Cameroun
UBAUnited Bank for Africa Cameroun S.A.
UBCUnion Bank of Cameroon PLC

The live list is available from List Banks (GET /v1/payout/banks?country=CMR); use that in production so new banks are picked up automatically.

Example requests

Mobile wallet (MTN MoMo)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-CM-001",
  "destinationValue": {
    "minorAmount": 25000,
    "currency": "XAF"
  },
  "paymentMethodId": "mobilemoney",
  "paymentLocation": "CMR",
  "recipient": {
    "type": "mobile_money",
    "phoneNumber": "237670123456",
    "country": "CMR",
    "operator": "mtn",
    "name": "Jean Mbarga"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678",
    "country": "ZAF",
    "phoneNumber": "27821234567",
    "sourceOfFunds": "SALARY",
    "gender": "female"
  }
}

Mobile wallet (Orange Money)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-CM-002",
  "destinationValue": {
    "minorAmount": 15000,
    "currency": "XAF"
  },
  "paymentMethodId": "mobilemoney",
  "paymentLocation": "CMR",
  "recipient": {
    "type": "mobile_money",
    "phoneNumber": "237690123456",
    "country": "CMR",
    "operator": "orange",
    "name": "Marie Ngo"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678",
    "country": "ZAF",
    "phoneNumber": "27821234567",
    "sourceOfFunds": "SALARY",
    "gender": "female"
  }
}

Bank transfer

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-CM-003",
  "destinationValue": {
    "minorAmount": 400000,
    "currency": "XAF"
  },
  "paymentMethodId": "banktransfer",
  "paymentLocation": "CMR",
  "recipient": {
    "type": "bank_account",
    "accountNumber": "0123456789",
    "bankCode": "UBA",
    "accountHolderName": "Jean Mbarga",
    "country": "CMR"
  },
  "sender": {
    "fullName": "Acme Corporation Ltd",
    "identity": "businessRegistrationNumber",
    "identityNumber": "2020/123456/07",
    "country": "ZAF",
    "phoneNumber": "27110001234",
    "sourceOfFunds": "BUSINESS",
    "gender": "male"
  }
}

Note: For a company sender, gender still has to be supplied as male or female — use the gender of the authorised signatory.

Important notes

  • Sender details: country, phoneNumber, sourceOfFunds, and gender are required for every Cameroon payout in addition to the standard sender fields. Requests missing them are rejected before any funds move.
  • Operator code: Use mtn for MTN MoMo and orange for Orange Money. No other operators are supported for CMR.
  • Phone number format: Provide the recipient MSISDN with the 237 country code. Local-format numbers are normalised using country; see Mobile Number Format for the full contract.
  • Account validation: Account validation is not currently available for Cameroon; see Verification for supported markets.
  • Sandbox: outcomes are selected by the last two digits of the recipient phone number or account number, the same as in every other market — see Payout Trigger Endings.