Providers & channels

Which channels a payout can use, and what decides whether one is available.

A channel names an operator in a country: cm.mtn is MTN Cameroon, sn.wave is Wave Senegal. It is set on the beneficiary, so it is fixed the day the destination is created; the list below is what the API accepts, and what actually executes depends on your account.

What has to line up

A channel from the list below is accepted when you name it, but a payout only executes on a channel your account can pay out on, in that currency.

Case	Refused with
The slug is not a payout channel	`422 The selected beneficiary.channel is invalid.`
Your account has no payout route for that channel and currency	`422 No payout provider is available for this channel and currency.`

The channels the API accepts

Fifty Mobile Money channels across twenty-two countries. Any of them is a valid beneficiary.channel.

Country	Channels
Benin	`bj.mtn` `bj.moov`
Burkina Faso	`bf.orange` `bf.moov`
Cameroon	`cm.mtn` `cm.orange` `cm.eu`
Congo-Brazzaville	`cg.mtn` `cg.airtel`
Côte d'Ivoire	`ci.mtn` `ci.orange` `ci.moov` `ci.wave`
DR Congo	`cd.vodacom` `cd.airtel` `cd.orange` `cd.africell`
Egypt	`eg.vodafone`
Gabon	`ga.airtel` `ga.moov`
Ghana	`gh.mtn` `gh.vodafone` `gh.airteltigo`
Guinea	`gn.mtn` `gn.orange`
Kenya	`ke.mpesa` `ke.airtel`
Liberia	`lr.mtn`
Malawi	`mw.airtel` `mw.tnm`
Mali	`ml.orange` `ml.moov`
Mozambique	`mz.mpesa`
Rwanda	`rw.mtn` `rw.airtel`
Senegal	`sn.orange` `sn.free` `sn.wave`
Sierra Leone	`sl.orange`
Tanzania	`tz.mpesa` `tz.airtel` `tz.tigo` `tz.halopesa`
Togo	`tg.tmoney` `tg.moov`
Uganda	`ug.mtn` `ug.airtel`
Zambia	`zm.mtn` `zm.airtel` `zm.zamtel`

cd.vodacom and mz.mpesa are both M-Pesa, and cm.eu is Express Union.

Three more channels are valid for a beneficiary without being Mobile Money: ci.djamo and sn.djamo, Djamo wallets paid by phone number, and wajub, another Wajub account paid by its account number, which never leaves Wajub and carries no fee.

Any other channel, a bank among them, answers 422 The selected beneficiary.channel is invalid. A bank destination is a payout account you create in the Dashboard on the wire channel.

The generic channel

A payout names its channel: the operator's own slug from that table, such as ke.mpesa or eg.vodafone. There is one exception, Cameroon: cm.mobile works out from the number whether it is cm.mtn or cm.orange. Beneficiaries covers how that resolution behaves and how it fails.

No other country has a generic channel. ke.mobile, eg.mobile or any other {country}.mobile is refused like an unknown channel, with 422 and The selected channel is invalid.. Even in Cameroon, name the operator whenever you know it: a resolution that fails costs you a 422 where an explicit slug would have gone straight through.

Coverage belongs to your account

Every channel other than cm.mtn, cm.orange and cm.eu needs a payout provider connected to your account and approved by Wajub for live payouts; GET /providers lists what your account has. A provider connected for collections does not turn its payout side on.

Out of the box, three channels pay out

Until a payout provider is approved on your account, live payouts go out on cm.mtn, cm.orange and cm.eu only. Ask before you build a corridor into your product, rather than discovering it at the first live transfer.

What the currency does, and does not, decide

Send the currency the operator settles in: XAF on cm.*, XOF on ci.*. A currency your account cannot pay out in on that channel is refused with the same No payout provider is available for this channel and currency. as any other gap in coverage.

Which provider handles it

There is no provider field on a transfer and no per-call override: you name a channel. When several payout providers connected to your account can carry it, the priority you set on each decides the order, and a failure moves down the list. Orchestration covers how to set that priority.

The transfer tells you afterwards which one ran it, in provider, and the operator's own identifier lands in provider_reference once the payout reaches it.