> For the complete documentation index, see [llms.txt](https://docs.pagsmile.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pagsmile.com/reference/payout/submit-a-payout/africa/mobile-money.md).

# Mobile Money

Mobile Money allows merchants to send payouts directly to a recipient's mobile money account in supported African markets.

All supported countries use the same Submit a payout API and request structure. The destination country, arrival currency, transaction limits, and amount precision vary by market.

#### Endpoint

<mark style="color:green;">`POST`</mark> `https://sandbox.transfersmile.com/api/payout`

Use the authentication headers described in the parent **Submit a payout** documentation.

#### Request body

<table><thead><tr><th width="174.15625">Parameter</th><th>Type</th><th>Required</th><th>Constraints</th><th>Description</th></tr></thead><tbody><tr><td><code>name</code></td><td>string</td><td>Yes</td><td>Must contain 5–100 characters and be a valid recipient name.</td><td>Name of the mobile money account holder.</td></tr><tr><td><code>account_type</code></td><td>string</td><td>Yes</td><td>Fixed value: <code>PHONE</code>.</td><td>Type of recipient account.</td></tr><tr><td><code>account</code></td><td>string</td><td>Yes</td><td>Provide the recipient's mobile phone number, including the country calling code. The value must not exceed 20 characters.</td><td>Mobile phone number registered with the recipient's Mobile Money account.</td></tr><tr><td><code>fee_bear</code></td><td>string</td><td>Yes</td><td>Supported values: <code>merchant</code> and <code>beneficiary</code>.</td><td>Specifies which party bears the payout fee.</td></tr><tr><td><code>amount</code></td><td>decimal</td><td>Yes</td><td>Must be non-negative, contain no more than two decimal places, and satisfy the limits for the selected country. Countries marked as integer-only do not accept decimal amounts.</td><td>Payout amount. The amount basis is determined by <code>amount_type</code>.</td></tr><tr><td><code>amount_type</code></td><td>string</td><td>No</td><td>Supported values: <code>arrival_amount</code> and <code>source_amount</code>. Defaults to <code>arrival_amount</code> when omitted.</td><td>Specifies whether <code>amount</code> is fixed on the beneficiary side or the merchant funding side.</td></tr><tr><td><code>source_currency</code></td><td>string</td><td>Yes</td><td>Merchant account currency. One of: <code>USD</code>, <code>EUR</code>, <code>GBP</code>, or the supported local currencies.</td><td>Currency used to fund the payout.</td></tr><tr><td><code>arrival_currency</code></td><td>string</td><td>Yes</td><td>Must match the currency assigned to the selected country in the supported-country table.</td><td>Currency received by the recipient.</td></tr><tr><td><code>notify_url</code></td><td>string</td><td>Yes</td><td>Must be a valid URL and must not exceed 255 characters.</td><td>Merchant endpoint to which payout status notifications are sent.</td></tr><tr><td><code>custom_code</code></td><td>string</td><td>Yes</td><td>Must not exceed 50 characters and must uniquely identify the payout request for the merchant.</td><td>Merchant payout reference.</td></tr><tr><td><code>additional_remark</code></td><td>string</td><td>Yes</td><td>Must contain 4–40 characters. Only letters, numbers, spaces, and underscores are accepted.</td><td>Additional information about the payout.</td></tr><tr><td><code>country</code></td><td>string</td><td>Yes</td><td>Must be one of the ISO 3166-1 alpha-3 country codes listed in the supported-country table.</td><td>Destination country of the payout.</td></tr><tr><td><code>method</code></td><td>string</td><td>Yes</td><td>Fixed value: <code>MOBILEMONEY</code>; maximum 16 characters.</td><td>Payout method.</td></tr></tbody></table>

{% hint style="info" %}
Mobile Money payouts do not require a bank code. Set `account_type` to `PHONE` and provide the recipient's mobile number, including its country calling code, in `account`.
{% endhint %}

{% hint style="info" %}
When `amount_type` is omitted, it defaults to `arrival_amount`. For example, `amount=100.01`, `country=NGA`, and `arrival_currency=NGN` means that the beneficiary receives `100.01 NGN`. If `source_currency` is different, Pagsmile calculates the corresponding `source_amount` using the applicable exchange rate.
{% endhint %}

#### Supported countries and transaction limits

`arrival_currency` is fixed for each country and must match the value shown below. The minimum and maximum amounts are denominated in the arrival currency.

| Country                          | Country code | Arrival currency | Minimum amount | Maximum amount | Amount precision       |
| -------------------------------- | ------------ | ---------------- | -------------: | -------------: | ---------------------- |
| Zimbabwe                         | `ZWE`        | `USD`            |              1 |          1,000 | Up to 2 decimal places |
| Uganda                           | `UGA`        | `UGX`            |            500 |      5,000,000 | Integer only           |
| Zambia                           | `ZMB`        | `ZMW`            |              1 |         20,000 | Up to 2 decimal places |
| Togo                             | `TGO`        | `XOF`            |            200 |      1,500,000 | Integer only           |
| Tanzania                         | `TZA`        | `TZS`            |          1,000 |      5,000,000 | Integer only           |
| South Sudan                      | `SSD`        | `SSP`            |            100 |      9,999,999 | Up to 2 decimal places |
| Sierra Leone                     | `SLE`        | `SLE`            |             50 |         25,000 | Integer only           |
| Senegal                          | `SEN`        | `XOF`            |            200 |      2,000,000 | Integer only           |
| Rwanda                           | `RWA`        | `RWD`            |            100 |      2,000,000 | Integer only           |
| Nigeria                          | `NGA`        | `NGN`            |            100 |         50,000 | Up to 2 decimal places |
| Niger                            | `NER`        | `XOF`            |            100 |      1,000,000 | Integer only           |
| Mozambique                       | `MOZ`        | `MZN`            |              1 |         25,000 | Integer only           |
| Morocco                          | `MAR`        | `MAD`            |             11 |         20,000 | Up to 2 decimal places |
| Mali                             | `MLI`        | `XOF`            |          1,000 |      1,500,000 | Integer only           |
| Malawi                           | `MWI`        | `MWK`            |             50 |        500,000 | Integer only           |
| Madagascar                       | `MDG`        | `MGA`            |            300 |     10,000,000 | Integer only           |
| Liberia                          | `LBR`        | `USD`            |              1 |          2,000 | Up to 2 decimal places |
| Guinea                           | `GIN`        | `GNF`            |          1,000 |     30,000,000 | Integer only           |
| Guinea-Bissau                    | `GNB`        | `XOF`            |              1 |      2,000,000 | Integer only           |
| Gambia                           | `GMB`        | `GMD`            |             80 |        120,000 | Integer only           |
| Ethiopia                         | `ETH`        | `ETB`            |            300 |        150,000 | Integer only           |
| Democratic Republic of the Congo | `COD`        | `USD`            |              1 |          1,500 | Integer only           |
| Côte d'Ivoire                    | `CIV`        | `XOF`            |         10,000 |      2,000,000 | Integer only           |
| Comoros                          | `COM`        | `KMF`            |            100 |      1,000,000 | Integer only           |
| Burkina Faso                     | `BFA`        | `XOF`            |            500 |      1,000,000 | Integer only           |
| Botswana                         | `BWA`        | `BWP`            |             25 |         10,000 | Up to 2 decimal places |
| Benin                            | `BEN`        | `XOF`            |            500 |      1,500,000 | Integer only           |

#### Request example

The following example submits a Mobile Money payout to Zimbabwe:

```bash
curl --location --request POST 'https://api.transfersmile.com/api/payout' \
--header 'Content-Type: application/json' \
--header 'AppId: YOUR_APP_ID' \
--header 'Authorization: YOUR_AUTHORIZATION_VALUE' \
--data-raw '{
  "name": "Test Recipient",
  "account_type": "PHONE",
  "account": "263********",
  "fee_bear": "merchant",
  "amount": "1.01",
  "source_currency": "USD",
  "arrival_currency": "USD",
  "notify_url": "https://merchant.example.com/payout/notify",
  "custom_code": "merchant_payout_001",
  "additional_remark": "Mobile Money payout request",
  "country": "ZWE",
  "method": "MOBILEMONEY"
}'
```

For another destination, update `country`, `arrival_currency`, and `amount` according to the supported-country table. The remaining Mobile Money fields use the same structure.

#### Response example

```json
{
  "code": 200,
  "msg": "success",
  "time": 1785724575,
  "data": {
    "id": "TS2026********",
    "custom_code": "merchant_payout_001",
    "arrival_amount": "1.01",
    "arrival_currency": "USD",
    "source_amount": "1.03",
    "source_currency": "USD",
    "status": "IN_PROCESSING"
  }
}
```

{% hint style="warning" %}
A successful API response means that the payout request has been accepted for processing. It does not mean that the recipient has already received the funds. Use payout notifications or the payout-status query API to determine the final result.
{% endhint %}