PayoutsMarkets

West Africa (XOF) Payouts

XOF payouts across West African CFA markets

Use this guide when you want to send XOF payouts to West African CFA markets (e.g., Senegal, Cote d’Ivoire, Mali, Burkina Faso, Niger, Benin, Togo). These markets support bank transfers and mobile wallets.

Overview

  • Currency: XOF
  • Payment location: ISO3 country code for the destination (e.g., SEN, CIV)
  • 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
countryYesISO3 country code
phoneNumberNoInternational format

Mobile wallet

FieldRequiredNotes
phoneNumberYesMSISDN in international format
countryYesISO3 country code
operatorYesmtn, orange, airtel, moov, wave
nameNoRecipient name

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

Example requests

Bank transfer (Senegal)

1{
2  "merchantId": "your-merchant-id",
3  "merchantReference": "PAYOUT-XOF-001",
4  "destinationValue": {
5    "minorAmount": 500000,
6    "currency": "XOF"
7  },
8  "paymentMethodId": "banktransfer",
9  "paymentLocation": "SEN",
10  "recipient": {
11    "type": "bank_account",
12    "accountNumber": "0123456789",
13    "bankCode": "001",
14    "accountHolderName": "Awa Diop",
15    "country": "SEN"
16  }
17}

Mobile wallet (Cote d’Ivoire)

1{
2  "merchantId": "your-merchant-id",
3  "merchantReference": "PAYOUT-XOF-002",
4  "destinationValue": {
5    "minorAmount": 200000,
6    "currency": "XOF"
7  },
8  "paymentMethodId": "mobilemoney",
9  "paymentLocation": "CIV",
10  "recipient": {
11    "type": "mobile_money",
12    "phoneNumber": "22501234567",
13    "country": "CIV",
14    "operator": "orange",
15    "name": "Kouadio Amani"
16  }
17}