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Uganda Payouts

UGX payouts to banks and mobile wallets

Use this guide when you want to send UGX payouts to recipients in Uganda. Uganda supports bank transfers and mobile wallets (MTN).

Overview

  • Currency: UGX
  • Payment location: UGA
  • 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
bankCodeYesLocal bank code
accountHolderNameYesName on the account
countryYesUGA
phoneNumberNoInternational format

Mobile wallet (MTN)

FieldRequiredNotes
phoneNumberYesMSISDN in international format
countryYesUGA
operatorYesUse mtn
nameNoRecipient name

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 for KYT/KYC screening. fullName, identity, and identityNumber are required; the remaining sender fields are optional but may be required by certain destinations.

FieldRequiredNotes
fullNameYesSender’s full name
identityYesIdentity document type: passport, nationalId, driversLicense, residencePermit, businessRegistrationNumber, or other
identityNumberYesIdentity document number

See Create Payout for the full sender schema.

Example requests

Bank transfer

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-UG-001",
  "destinationValue": {
    "minorAmount": 900000,
    "currency": "UGX"
  },
  "paymentMethodId": "banktransfer",
  "paymentLocation": "UGA",
  "recipient": {
    "type": "bank_account",
    "accountNumber": "0123456789",
    "bankCode": "001",
    "accountHolderName": "Joseph Kato",
    "country": "UGA"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Mobile wallet (MTN)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-UG-002",
  "destinationValue": {
    "minorAmount": 400000,
    "currency": "UGX"
  },
  "paymentMethodId": "mobilemoney",
  "paymentLocation": "UGA",
  "recipient": {
    "type": "mobile_money",
    "phoneNumber": "256712345678",
    "country": "UGA",
    "operator": "mtn",
    "name": "Grace Namusoke"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Note: UGX has no minor unit — minorAmount is the whole-shilling amount (minorAmount: 900000 = UGX 900,000; no multiplication).