> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.crisscross.money/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.crisscross.money/_mcp/server. # Supported Destinations 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 | Currency | Country (typical) | Bank | Mobile wallet | Notes | | -------- | ------------------------------------------------------------------ | ---- | ------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **NGN** | Nigeria | Yes | Yes | NIBSS; bank code via `bankCode` in recipient. Mobile wallet: OPay (`opay`). | | **XOF** | West African CFA (e.g. Senegal, Côte d'Ivoire) | Yes | Yes | `mtn`, `orange`, `airtel`, `moov`, `wave`, `togocell`. Togo T-Money requires additional sender fields. See [West Africa](/payout-market-west-africa-xof). | | **XAF** | Central African CFA (Cameroon, Gabon, Republic of the Congo, etc.) | Yes | Yes | Operators vary by destination. Republic of the Congo (`COG`): `airtel`, `mtn`; Gabon: `airtel`. Cameroon requires additional sender fields. See [Central Africa](/payout-market-central-africa-xaf). | | **CDF** | Democratic Republic of the Congo (`COD`) | — | Yes | `vodacom`, `airtel`, `orange`. | | **USD** | Democratic Republic of the Congo (`COD`) | — | Yes | `vodacom`, `airtel`, `orange`; use `paymentLocation: "COD"`. | | **GHS** | Ghana | Yes | Yes | MTN (`mtn`), Telecel (`telecel`), and AirtelTigo (`airteltigo`). | | **KES** | Kenya | Yes | Yes | M-Pesa (`mpesa`), Airtel (`airtel`). Additional sender fields required. See [Kenya](/payout-market-kenya). | | **TZS** | Tanzania | Yes | Yes | MTN (`mtn`), Airtel (`airtel`). Bank: `bankCode` is the bank's SWIFT/BIC (e.g. `CORUTZTZ`); look it up with `GET /v1/payout/banks?country=TZA`. | | **UGX** | Uganda | Yes | Yes | MTN (`mtn`) and Airtel (`airtel`). | | **MWK** | Malawi | — | Yes | Airtel (`airtel`) and TNM (`tnm`). | | **MZN** | Mozambique | — | Yes | Vodacom M-Pesa (`vodacom`). | | **RWF** | Rwanda | — | Yes | Airtel (`airtel`) and MTN (`mtn`). | | **ZMW** | Zambia | — | Yes | Airtel (`airtel`), MTN (`mtn`), and Zamtel (`zamtel`). | | **ZAR** | South Africa | Yes | — | Bank transfers. | | **EGP** | Egypt | Yes | Yes | Bank; `bankCode` required; IBAN supported. Additional sender fields typically needed. Wallets: Fawry (`fawry`). See [Egypt](/payout-market-egypt). | | **ETB** | Ethiopia | Yes | Yes | Telebirr (`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](/payout-bank-transfers) — `paymentMethodId: "banktransfer"`, `recipient.type: "bank_account"`. * **Mobile wallet:** Use [Mobile Wallet](/payout-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](/payout-market-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](/payout-market-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](/payout-mobile-wallet), [West Africa](/payout-market-west-africa-xof) and [Central Africa](/payout-market-central-africa-xaf)). ## Next Steps * [Bank Transfers](/payout-bank-transfers) — Required/optional fields for bank payouts * [Mobile Wallet](/payout-mobile-wallet) — Required/optional fields and providers * [Getting Started with Payouts](/payout-getting-started) — End-to-end workflow