Providers & channels
The list of Mobile Money channels by country and operator, and how to format beneficiaries.
The channel field determines the operator and country of the payout. It follows the format
{country}.{operator}.
Available channels
| Channel | Operator | Country | Currency |
|---|---|---|---|
cm.mtn | MTN MoMo | Cameroon | XAF |
cm.orange | Orange Money | Cameroon | XAF |
ci.mtn | MTN MoMo | Côte d'Ivoire | XOF |
ci.wave | Wave | Côte d'Ivoire | XOF |
sn.orange | Orange Money | Senegal | XOF |
sn.wave | Wave | Senegal | XOF |
gh.mtn | MTN MoMo | Ghana | GHS |
ke.airtel | Airtel Money | Kenya | KES |
Beneficiary format
The transfer body takes a beneficiary field — either the id of an existing
beneficiary, or an inline object:
beneficiary.namestringrequiredbeneficiary.channelstringrequiredbeneficiary.phonestringoptionalbeneficiary.account_numberstringoptionalbeneficiary.emailstringoptionalbeneficiary.country_codestringoptionalbeneficiary.notestringoptionalCountry / currency / channel consistency
The payout currency must match the channel country: a cm.mtn
transfer is in XAF, a ci.wave in XOF. An
inconsistency returns a 422 error.
Routing
There is no per-call auto_route opt-in — routing to a specific provider for a given
channel is always handled by orchestration based on the
TeamProvider configuration on your account (priority-ordered, with automatic failover).
You always specify a channel on the beneficiary; Wajub picks which underlying provider
handles that channel.