West Africa (XOF) Payouts

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

Field	Required	Notes
`accountNumber`	Yes	Bank account number
`bankCode`	Yes	Local bank code
`accountHolderName`	Yes	Name on the account
`country`	Yes	ISO3 country code
`phoneNumber`	No	International format

Mobile wallet

Field	Required	Notes
`phoneNumber`	Yes	MSISDN in international format
`country`	Yes	ISO3 country code
`operator`	Yes	`mtn`, `orange`, `airtel`, `moov`, `wave`, `togocell` (Togo T-Money)
`name`	No	Recipient 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.

Field	Required	Notes
`fullName`	Yes	Sender’s full name
`identity`	Yes	Identity document type: `passport`, `nationalId`, `driversLicense`, `residencePermit`, `businessRegistrationNumber`, or `other`
`identityNumber`	Yes	Identity document number

Togo T-Money

Mobile wallet payouts with paymentLocation: "TGO" and operator: "togocell" also require these sender fields. A payout without them is rejected before it is sent.

Field	Required	Notes
`phoneNumber`	Yes	Sender’s phone number in international format
`country`	Yes	Sender’s ISO3 country code

See Create Payout for the full sender schema.

Example requests

Bank transfer (Senegal)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-XOF-001",
  "destinationValue": {
    "minorAmount": 500000,
    "currency": "XOF"
  },
  "paymentMethodId": "banktransfer",
  "paymentLocation": "SEN",
  "recipient": {
    "type": "bank_account",
    "accountNumber": "0123456789",
    "bankCode": "001",
    "accountHolderName": "Awa Diop",
    "country": "SEN"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Mobile wallet (Cote d’Ivoire)

{
  "merchantId": "your-merchant-id",
  "merchantReference": "PAYOUT-XOF-002",
  "destinationValue": {
    "minorAmount": 200000,
    "currency": "XOF"
  },
  "paymentMethodId": "mobilemoney",
  "paymentLocation": "CIV",
  "recipient": {
    "type": "mobile_money",
    "phoneNumber": "22501234567",
    "country": "CIV",
    "operator": "orange",
    "name": "Kouadio Amani"
  },
  "sender": {
    "fullName": "Jane Smith",
    "identity": "passport",
    "identityNumber": "A12345678"
  }
}

Note: XOF has no minor unit — minorAmount is the whole-franc amount (minorAmount: 500000 = 500,000 FCFA; no multiplication).