Beneficiaries

A beneficiary is a saved Mobile Money or bank recipient — save one once, then reference it by id on every future Transfer instead of re-entering the recipient's details each time.

When to use beneficiaries

• Recurring payouts — salaries, freelancer retainers, or any recipient you pay more than once. Save them once, transfer many times.
• Reducing input errors — a saved beneficiary's phone number or bank account is validated once at creation, not re-typed (and potentially mistyped) on every transfer.
• Looping over many recipients — since there is no bulk/batch payout endpoint today, distributing funds to many people means calling POST /transfers once per recipient. Pre-registering them as beneficiaries keeps each of those calls small and consistent.

Creating a beneficiary

curl https://api.wajub.com/beneficiaries \
-H "Authorization: sk.xxxx" \
-H "Content-Type: application/json" \
-d '{
  "name": "Amina Diallo",
  "phone_number": "+221770000000",
  "channel": "sn.orange"
}'

Paying a beneficiary

Pass the beneficiary's id instead of raw recipient details:

curl https://api.wajub.com/transfers \
-H "Authorization: sk.xxxx" \
-H "Content-Type: application/json" \
-d '{
  "amount": 15000,
  "currency": "XAF",
  "beneficiary": "ben_01JXXXXXXXXXXXXX"
}'