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PayoutsReference

Supported Destinations

Currencies, countries, and payout rails

The Payouts API supports payouts in fiat currencies. The table below maps each supported currency to typical country(ies) and whether bank and/or mobile wallet rails are available. A dash means no bank rail is listed for that destination. Availability depends on what is enabled for your account.

Destination Overview

CurrencyCountry (typical)BankMobile walletNotes
NGNNigeriaYesYesNIBSS; bank code via bankCode in recipient. Mobile wallet: OPay (opay).
XOFWest African CFA (e.g. Senegal, Côte d’Ivoire)YesYesmtn, orange, airtel, moov, wave, togocell. Togo T-Money requires additional sender fields. See West Africa.
XAFCentral African CFA (Cameroon, Gabon, Republic of the Congo, etc.)YesYesOperators vary by destination. Republic of the Congo (COG): airtel, mtn; Gabon: airtel. Cameroon requires additional sender fields. See Central Africa.
CDFDemocratic Republic of the Congo (COD)—Yesvodacom, airtel, orange.
USDDemocratic Republic of the Congo (COD)—Yesvodacom, airtel, orange; use paymentLocation: "COD".
GHSGhanaYesYesMTN (mtn), Telecel (telecel), and AirtelTigo (airteltigo).
KESKenyaYesYesM-Pesa (mpesa), Airtel (airtel). Additional sender fields required. See Kenya.
TZSTanzaniaYesYesMTN (mtn), Airtel (airtel). Bank: bankCode is the bank’s SWIFT/BIC (e.g. CORUTZTZ); look it up with GET /v1/payout/banks?country=TZA.
UGXUgandaYesYesMTN (mtn) and Airtel (airtel).
MWKMalawi—YesAirtel (airtel) and TNM (tnm).
MZNMozambique—YesVodacom M-Pesa (vodacom).
RWFRwanda—YesAirtel (airtel) and MTN (mtn).
ZMWZambia—YesAirtel (airtel), MTN (mtn), and Zamtel (zamtel).
ZARSouth AfricaYes—Bank transfers.
EGPEgyptYesYesBank; bankCode required; IBAN supported. Additional sender fields typically needed. Wallets: Fawry (fawry). See Egypt.
ETBEthiopiaYesYesTelebirr (telebirr), M-Pesa (mpesa), CBE Birr (cbebirr), YaYa (yaya). Bank: look up bankCode with GET /v1/payout/banks?country=ETH.

Use this as a quick reference for “where can I send?” and which payment method to use:

  • Bank: Use Bank Transfers — paymentMethodId: "banktransfer", recipient.type: "bank_account".
  • Mobile wallet: Use Mobile Wallet — paymentMethodId: "mobilemoney", recipient.type: "mobile_money".
  • Cash pickup: paymentMethodId: "cash", recipient.type: "cash" — available on select corridors, arranged per account.
  • Institution wallet: paymentMethodId: "institutionwallet", recipient.type: "institution_wallet" — a wallet held at a financial institution; arranged per account. The destination table above covers the bank and mobile-money rails.

Destination is determined by the currency in destinationValue.currency and the paymentLocation field (3-letter ISO country code).

Every payout also requires a sender object — fullName, identity, and identityNumber at minimum; some destinations require additional sender fields (called out per market below).

Market-Specific Requirements (Quick Notes)

  • Egypt (EGP): Bank payouts require bankCode; IBAN is supported. Additional sender fields are typically needed (address, date of birth, nationality). Wallets use operator: "fawry". See Egypt for bank codes, sender fields, formats, and status behaviour.
  • Ethiopia (ETB): No additional fields beyond standard requirements. Wallets use operator: "telebirr", "mpesa" (Safaricom Ethiopia), "cbebirr" or "yaya"; Coopay E-Birr and AwashBirr cannot receive payouts. For bank payouts, bankCode is the code returned by GET /v1/payout/banks?country=ETH. There is no account-name check before sending, so a well-formed but wrong number is not caught up front: it may fail when the transfer is processed or reach another valid account. Confirm recipient details before sending.
  • Ghana (GHS): No additional fields beyond standard bank/mobile wallet requirements; use operator: "mtn", "telecel", or "airteltigo" for the recipient’s wallet.
  • Kenya (KES): Additional sender fields are required (phone number, nationality, date of birth, purpose/source of funds, relationship). M-Pesa uses operator: "mpesa". See Kenya for sender fields and examples.
  • Tanzania (TZS): No additional fields beyond standard requirements; use operator: "mtn" or operator: "airtel" for wallets. For bank payouts, bankCode must be the recipient bank’s SWIFT/BIC code (8 or 11 characters, e.g. CORUTZTZ for CRDB) — numeric or branch-style codes are rejected. Use GET /v1/payout/banks?country=TZA to list banks with their BICs.
  • Uganda (UGX): No additional fields beyond standard requirements; use operator: "mtn" or "airtel" for the recipient’s wallet.
  • Francophone (XOF/XAF): Cameroon payouts require sender phoneNumber, country, sourceOfFunds and gender. Togo T-Money payouts (operator: "togocell") require sender phoneNumber and country. Other XOF and XAF destinations need no fields beyond the standard requirements. Choose the correct operator for the recipient (see Mobile Wallet, West Africa and Central Africa).

Next Steps