Api Documentation

MoMo Payout (Business to Client)

Overview

This API empowers your business to efficiently send money and process payouts for business operations, including employee salary disbursements, vendor payments, and other financial transactions.

Purpose: Disburse funds to mobile money wallets for payroll, vendor payments, and other financial operations.
Target Audience: Merchants, fintechs, and developers integrating mobile money payout functionality.

Quickstart: MoMo Payout

Obtain your Bearer Token and generate the required signature and X-Hash.
Send a POST request to the payout endpoint with the required parameters.
Parse the response to get the transaction status and details.

Endpoint Reference

HTTP Method	POST
Endpoint URL	`/api/v2/payment/`
Base URL	`https://base-url-here.com`
Description	Initiate a mobile money payout to a recipient's wallet.

Request Body

Field	Type	Description	Required
wallet_no	string	Business wallet account number assigned.	Yes
reference	string	Order reference, unique per request.	Yes
acc_name	string	Recipient name.	Yes
email	string	Recipient email.	Yes
acc_no	string	Recipient mobile money registered phone number. Format: {countryCode=254}{phone=7XXXXXXXX} e.g. 2547XXXXXXXX	Yes
amount	numeric	Order amount to be paid (no commas as thousands separator).	Yes
currency	string	Currency (e.g. KES, TZS).	Yes
description	string	Your order description.	Yes
channel	numeric	Channel unique code. e.g. 100003 for M-PESA-KENYA. See table below for channel codes.	Yes
result_url	string	URL to your server for callback response.	Yes

Channel Codes

Channel Code	Name	Currency
100003	MOBILE MONEY - KENYA	KES
300002	MOBILE MONEY - TANZANIA	TZS

Request Headers

Header	Type	Description	Required
Authorization	string	Bearer token used to access the API	Yes
Signature	string	SHA-256 signature. Concatenate `channel+reference+currency+amount`, sign with your private key, and Base64 encode.	Yes
x-hash	string	Generated X-Hash header for additional security.	Yes

Example Request

curl --location --request POST 'https://base-url-here.com/api/v2/payment/' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--header 'Signature: xxx' \
--header 'x-hash: xxxxxx' # Generated X-Hash header \
--data-raw '{
    "wallet_no": "xxxxxxx",
    "reference": "TRXXXX79",
    "acc_name": "JOHN DOE",
    "acc_no": "2547XXXXXXXX",
    "currency": "KES",
    "amount": 10,
    "channel": 100003,
    "email": "johndoe@gmail.com",
    "description": "Pay for order #23243222",
    "result_url": "https://webhook.site/947e8f48-c03a-4717-a2dd-8cdb2f64e897"
}'

Success Response

Field	Type	Description
success	boolean	Indicates if the request was successful
message	string	Response message
data.transaction_id	string	Transaction ID
data.status	string	Transaction status
data.status_description	string	Transaction status description
data.date	string	Transaction timestamp

{
    "success": true,
    "message": "Successfully initiated",
    "data": {
        "transaction_id": "056341150381",
        "status": "PENDING",
        "status_description": "Transaction Initiated successfully",
        "date": "2024-02-17 13:34:02 PM"
    }
}

Security Best Practices

Always use HTTPS for all API requests.
Keep your private key secure and never share it.
Verify the signature and X-Hash on the server side for every request.

Support & Feedback

For help, contact support@bobplus.africa.
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Terms of Use & Legal

By using this API, you agree to our Terms of Service and Privacy Policy. Do not share sensitive data or credentials.