PayoutsReference

Supported Destinations

Currencies, countries, and payout rails

The Payouts API supports payouts in local fiat currencies. The table below maps each supported currency to typical country(ies) and whether bank and/or mobile wallet rails are available.

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.
XAFCentral African CFA (e.g. Cameroon, Gabon)YesYesmtn, orange, moov.
GHSGhanaYesYesMTN (mtn) and other supported wallets.
KESKenyaYesYesM-Pesa (mpesa), Airtel (airtel). Additional sender fields required. See Kenya.
TZSTanzaniaYesYesMTN (mtn), Airtel (airtel).
UGXUgandaYesYesMTN (mtn).
ZARSouth AfricaYes—Bank transfers.
EGPEgyptYesYesBank; bankCode required; IBAN supported. Additional sender fields typically needed. Wallets: Fawry (fawry). See Egypt.

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.
  • Ghana (GHS): No additional fields beyond standard bank/mobile wallet requirements; use operator: "mtn" for MTN wallets.
  • 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.
  • Uganda (UGX): No additional fields beyond standard requirements; use operator: "mtn" for MTN wallets.
  • Francophone (XOF/XAF): No additional fields beyond standard requirements; choose the correct operator for the recipient (see Mobile Wallet and the Francophone sandbox guide).

Next Steps