This document lists the required details that needs to be sent for each of our payout corridor
Note Occasionally there might be issues with one of the corridors and we might have to disable them temporarily. Once youre onboarded we’ll let you know if this happens. Also if you’re trying to use a disabled corridor you’re going to receive a validation error stating that the corridor is not active, and you won’t be able to create new transactions there.
Nigeria
NGN::Bank
For Nigerian bank payments please use:
"details": {
"first_name": "First",
"last_name": "Last",
"bank_code": "058",
"bank_account": "123456789",
"bank_account_type": "10" // Optional
// 10 for saving
// 20 for current accounts
}
The valid bank_code values are:
Access Bank: 044
EcoBank: 050
FCMB Bank: 214
Fidelity Bank: 070
First Bank of Nigeria: 011
Guaranty Trust Bank : 058
Heritage Bank: 030
Jaiz Bank: 301
Keystone: 082
Polaris Bank: 076
Stanbic IBTC Bank: 039
Standard Chartered Bank PLC: 068
Sterling bank: 232
Suntrust Bank: 100
Union Bank: 032
United Bank for Africa: 033
Unity Bank: 215
Wema Bank: 035
Zenith International: 057
Note! Diamond Bank was merged with Access Bank in 2019. For Diamond Bank recipients please use Access Bank as the bank code
NGN::Mobile
For Nigerian mobile payments please use:
"details": {
"first_name": "First",
"last_name": "Last",
"phone_number": "7087661234"
// local Nigerian format
}
Warning! The recipient has to be registered and KYC’d with https://www.mypaga.com before they can receive funds. If they are not registered when the payment occurs then Paga can hold the funds until the user registers and approves themselves.
USD::Bank
For USD bank payments in Nigeria please use:
"details": {
"first_name": "Jane",
"last_name": "Doe",
"phone_number": "+2341234567",
"bank_code": "057",
"bank_account": "1234567890",
"country": "NG"
}
The valid bank_code values are:
Access Bank: 044
FCMB Bank: 214
United Bank for Africa: 033
Zenith International: 057
Warning USD::Bank payouts in Nigeria are currently in beta phase.
Ghana
GHS::Bank
For Ghanan bank payments please use:
"details": {
"first_name": "First",
"last_name": "Last",
"bank_code": "030100",
"bank_account": "123456789"
}
The current banks supported and their bank_codes values are:
ABSA Ghana Bank (formerly Barclays): 030100
Access Bank: 280100
Agricultural Development Bank: 080100
Bank of Africa: 210100
CAL Bank: 140100
Ecobank: 130100
Fidelity Bank: 240100
First Atlantic Bank: 170100
First Bank Nigeria: 200100
First National Bank: 330100
GCB Bank: 040100
Guaranty Trust Bank: 230100
Heritage Bank: 370100
National Investment Bank: 050100
Prudential Bank: 180100
Republic HFC Bank: 110100
Stanbic Bank: 190100
Standard Chartered Bank: 020100
United Bank for Africa: 060100
Zenith Bank: 120100
Please note that there is no standard format across banks for account numbers in this corridor. If you wish to check for correctness you can see the following list:
ABSA Ghana Bank (formerly Barclays): 10 or 13 digits
Access Bank: 13 digits
Agricultural Development Bank: 16 digits
Bank of Africa: 11 digits
CAL Bank: 13 digits
Ecobank: 13 or 16 digits
Fidelity Bank: 13 digits
First Atlantic Bank: 13 digits
First Bank Nigeria: 13 digits
First National Bank: 11 digits
GCB Bank: 13 digits
Guaranty Trust Bank: 13 digits
Heritage Bank: 13 digits
National Investment Bank: 13 digits
Prudential Bank: 13 digits
Republic HFC Bank: 13 digits
Stanbic Bank: 13 digits
Standard Chartered Bank: 13 digits
United Bank for Africa: 13 or 14 digits
Zenith Bank: 10 digits
GHS::Mobile
For Ghanan mobile payments please use:
"details": {
"first_name": "First",
"last_name": "Last",
"phone_number": "302123456"
"mobile_provider": "tigo" // optional
}
Although the mobile_provider field is optional, if you send us the proper value we can provider a quicker and faster settlement. The valid values are:
GHS::Cash
For Ghanan cash payment please use:
"details": {
"first_name": "First",
"last_name": "Last",
"phone_number": "302123456"
}
Uganda
UGX::Mobile
For Ugandan mobile payments please use:
"details": {
"first_name": "First",
"last_name": "Last",
"phone_number": "256772123456"
// local or international Ugandan format
}
Note! The provider might check the name against the registered holder of the mobile number and block transactions if they don’t match.
Europe / SEPA
EUR::Bank
For EUR IBAN transfers please use:
"details": {
"first_name": "First",
"last_name": "Last",
"iban": "DE89370400440532013000",
"bank_name": "Deutsche Bank", // Optional
"bic": "DEUTDEBBXXX" // Optional
}
Warning! If the recipient account is not an EUR account then the recipient’s bank might charge for converting the received funds from EUR to the local currency.
Note! Transfer is done using the fastest method available on the recipient’s bank.
- If the recipient’s bank supports the Instant Payment network funds will arrive within 2 hours (but usually within a couple minutes)
- If the recipient’s bank supports the SEPA system, funds will arrive within 1-2 business days
- If the recipient’s bank only supports the Swift system, funds will arrive within 2-5 business days
GBP::Bank
For GBP::Bank there are two payout options available:
- GBP Payments with account number and sort code
- GBP IBAN transfers
For GBP Payments with account number and sort code please use:
"details": {
"first_name": "First",
"last_name": "Last",
"bank_name": "Lloyds Bank",
"bank_account": "12345678",
"sort_code": "123456"
}
For GBP IBAN transfers please use:
"details": {
"first_name": "First",
"last_name": "Last",
"bank_name": "Lloyds Bank",
"iban": "GB29LOYD60161331926819",
"bic": "LOYDGB2L" // Optional
}
Warning! If the recipient account is not an GBP account then the recipient’s bank might charge for converting the received funds from GBP to the local currency.
Note!
- The customer needs to enter either an IBAN (and an optional BIC), or an account number and sort code.
- Transfer is done using the fastest method available on the recipient’s bank.
- If the recipient’s bank is in the UK, and supports the Faster Payment network funds will arrive within 2 hours (but usually within a couple minutes)
- If the recipient’s bank supports the SEPA system, funds will arrive within 1-2 business days
- If the recipient’s bank only supports the Swift system, funds will arrive within 2-5 business days
Morocco
MAD::Cash
For Cashplus cash pickup requests please use:
"details": {
"first_name": "First",
"last_name": "Last",
"phone_number": "212537718685"
// Mandatory; International format preferred
"reason" => "Remittance payment",
// Optional; Default value is 'Remittance payment'
"identity_card_type" => "NI",
// Refers to the recipient's ID details; Optional; Values: "PP": Passport, "NI": National ID
"identity_card_id" => 'AB12345678'
// Refers to the recipient's ID details; Optional
}
Due to regulatory reasons all senders trying to create MAD::Cash transactions need to have the following details present:
"identification_type" => "OT" - Values: "OT": Other, "PP": Passport, "ID": National ID"identification_number" => "AB12345678"
Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:
{
"transaction": {
"sender": {
"external_id": "<id of sender>",
"identification_type": "OT",
"identification_number": "AB12345678"
(...)
},
(...)
}
}
Please note when sending MAD::Cash payments you should subscribe to the recipient.pending webhook, as that will broadcast the payment reference ID the customer need to use to obtain the funds. Example webhook response excerpt:
{
(...)
"state":"pending",
"metadata": {
"payment_reference":"9M5GJRJUBCY"
},
(...)
}
The payment reference can also be provided in the recipient details hash optionally for MAD::Cash in which case it will be used instead of the one we generate. The field you have to provide in the hash is called reference. If you wish to use this functionality, please contact us for more details.
Note For a list of Cashplus pickup points please contact us
West Africa / XOF
XOF::Cash
For Senegalese cash pickup requests we have the Wizall payout network available:
For Wizall cash pickup requests please use:
"details": {
"first_name": "First",
"last_name": "Last",
"phone_number": "221774044436", // local or international format
"country": "CI", // Optional; Default value is "SN"
"cash_provider": "wizall" // Mandatory
}
The valid country values are:
All senders trying to create Wizall cash pickup requests need to have the following details present:
"identification_type" => "ID" - Values: "PP": Passport, "ID": National ID"identification_number" => "AB12345678"
Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:
{
"transaction": {
"sender": {
"external_id": "<id of sender>",
"identification_type": "ID",
"identification_number": "AB12345678",
(...)
},
(...)
}
}
XOF::Mobile
For mobile payouts to Senegal and Ivory Coast, please use:
"details": {
"first_name": "First",
"last_name": "Last",
"mobile_provider": "orange", // lowercase, see provider values below
"phone_number": "774044436", // mobile number in local country format
"country": "SN" // "SN" for Senegal (default), "CI" for Ivory Coast
}
The valid mobile_provider values for Senegal are:
The valid mobile_provider values for Ivory Coast are:
Note Amounts for XOF::Mobile payouts to Ivory Coast ‘Orange’ mobile numbers should be multiples of 5.
Warning XOF::Mobile payouts to Ivory Coast are currently in beta phase.
XOF::Bank
For West African bank payments in selected countries please use the following:
"details" : {
"first_name": "First",
"last_name": "Last",
"bank_name": "BRM",
"iban": "SN1231234512345678901212", // BBAN format: AA123 12345 123456789012 12
"bank_country": "SN" // "SN" or "BJ"
}
The valid bank_country values are:
Note XOF::Bank payouts are currently in beta phase. At this time, we offer payouts to accounts in Senegal and Benin only.
South Africa
ZAR::Bank
For South African bank payments please use the following recipient details.
Personal recipient:
"details": {
"first_name": "First",
"last_name": "Last",
"street": "14 Main Street", // should include house number as well
"postal_code": "AB0001",
"city": "Cape Town",
"email": "recipient@email.com", // optional, but highly recommended
"bank_code": "334810",
"bank_account": "12345678",
"phone_number": "+27119785313",
"transfer_reason_code": "185"
}
Business recipient:
"details": {
"name": "Company name",
"street": "14 Main Street", // should include house number as well
"postal_code": "AB0001",
"city": "Cape Town",
"email": "recipient@email.com", // optional, but highly recommended
"bank_code": "334810",
"bank_account": "12345678",
"phone_number": "+27119785313",
"contact_first_name": "First",
"contact_last_name": "Last",
"transfer_reason_code": "185",
"legal_entity_type": "privately_owned_company",
"registration_number": "VAT1234567", // optional
"nature_of_business": "retail_trade" // optional
}
The company types supported and corresponding legal_entity_type are:
Sole Proprietorship: sole_proprietorship
Partnership: partnership
Privately Owned Company (Limited Company): privately_owned_company
Publicly Listed Company (PLC): publicly_owned_company
Government Owned Entity Trusts: government_owned_entity
GO (Majority Owned Subsidiary of State-Owned Company): go
Financial Institution: financial_institution
The valid values for nature_of_business are the following:
- Personal: personal
- Agriculture and Hunting: agriculture_and_hunting
- Forestry: forestry
- Fishing: fishing
- Agricultural By-Products: agricultural_by_products
- Coal Mining: coal_mining
- Oil Mining: oil_mining
- Iron Ore Mining: iron_ore_mining
- Other Metal and Diamond Mining: other_metal_and_diamond_mining
- Other Mineral Mining: other_mineral_mining
- Manufacture of Food/Drink/Tobacco: manufacturing_of_food_drink_tobacco
- Manufacture of Textiles/Leather/Fur/Furniture: manufacturing_of_textiles_leather_fur_furniture
- Manufacture of Wooden Products/Furniture: manufacture_of_wooden_products_furniture
- Manufacture of Paper/Pulp/Allied Products: manufacture_of_paper_pulp_allied_products
- Manufacture Of Chemicals Medical Petroleum Rubber Plastic Products: manufacture_of_chemicals_medical_petroleum_rubber_plastic_products
- Manufacture Of Pottery China Glass Stone: manufacture_of_pottery_china_glass_stone
- Manufacture Of Iron Steel Non-Ferrous Metals Basic Industries: manufacture_of_iron_steel_non_ferrous_metals_basic_industries
- Manufacture Of Metal Products Electrical And Scientific Engineering: manufacture_of_metal_products_electrical_and_scientific_engineering
- Manufacture Of Jewelry Musical Instruments Toys: manufacture_of_jewelry_musical_instruments_toys
- Electricity, Gas And Water: electricity_gas_and_water
- Construction: construction
- Wholesale Trade: wholesale_trade
- Retail Trade: retail_trade
- Catering Incl. Hotels: catering_incl_hotels
- Transport Storage: transport_storage
- Communications: communications
- Finance And Holding Companies: finance_and_holding_companies
- Insurance: insurance
- Business Services: business_services
- Real Estate Development Investment: real_estate_development_investment
- Central State Governments: central_state_governments
- Community Services Defence Police Prisons Etc: community_services_defence_police_prisons_etc
- Social Services Education Health Care: social_services_education_health_care
- Personal Services - Leisure Services: personal_services_leisure_services
- Personal Services - Domestic Laundry Repairs: personal_services_domestic_laundry_repairs
- Personal Services - Embassies: personal_services_embassies_international_organisations
List of transfer reasons and corresponding transfer_reason_code are:
Sending money into my own account: 183
Donations and gifts: 184
Sending money to a friend, family member or any third party person: 185
Mortgage repayments: 186
Business Travel Payments: 187
Personal Travel Payments: 188
Tuition fees: 189
Investment into property by a foreign individual: 192
Investment by a foreign individual - other: 193
Legal services: 196
Accounting services: 197
Management consulting services: 198
Advertising & market research services: 200
Managerial services: 201
Cultural and recreational services: 205
Salary paid to South African Resident Temporarily Abroad: 206
Salary paid to a non-resident employee in South Africa: 207
Salary paid to a foreign national contract worker in South Africa: 208
Pensions: 213
Annuities: 214
Inheritances: 215
Alimony: 216
Tax - Income tax: 217
Tax - VAT refunds: 218
Tax - Other: 219
Dividends: 222
Commission or brokerage: 224
Rental: 225
Income earned abroad by a resident on an individual investment: 226
Architectural, engineering and other technical services: 245
Payments for data, news related and news agency fees: 249
Computer-related services including maintenance, repair and consultancy: 279
Proceeds for other business services not included elsewhere: 309
Please note that due to regulatory reasons senders trying to create ZAR::Bank transactions are required to have the following fields on the sender present as well:
street, city and postal_code
Note To accept payments in South Africa the recipient has to sign a mandate form online. The link to the form will be sent over the recipient’s mobile phone number and email address, and have to be filled out online. Once the mandate is signed it is valid for one year and the recipient doesn’t need to do these steps again. When sending funds to the same recipient please make sure their name and bank details are the same, otherwise they might be asked to sign the mandate form again.
Warning ZAR::Bank payouts are currently in beta phase.