Payout Payment (MTC)

Send money to customers via mobile money, bank transfer, or card (payment_option). Use trans_type MTC. Ideal for refunds, seller payouts, and disbursements.

Endpoint

POST https://api.bridgeagw.com/make_payment

Request Headers

Authorization: Basic <base64_encoded_credentials>
Content-Type: application/json

Request Body

{
  "service_id": 1,
  "reference": "Refund for Order #123",
  "customer_number": "0541234567",
  "transaction_id": "PAYOUT_001",
  "trans_type": "MTC",
  "amount": 25.50,
  "nw": "MTN",
  "nickname": "John Doe",
  "payment_option": "MOM",
  "currency_code": "GHS",
  "currency_val": "1",
  "callback_url": "https://your-site.com/webhook/payout-status",
  "request_time": "2025-01-15 14:30:00"
}

Parameters

Parameter	Type	Required	Description
`service_id`	integer	Yes	Your service identifier
`reference`	string	Yes	Payout reference/description
`customer_number`	string	Yes	Phone (mobile money), bank account, or card number
`transaction_id`	string	Yes	Unique transaction identifier
`trans_type`	string	Yes	Must be `MTC`
`amount`	number	Yes	Payout amount
`nw`	string	Yes	Network or bank code (see tables below)
`nickname`	string	Yes	Customer display name
`payment_option`	string	Yes	`MOM` (mobile money), `BNK` (bank), or `CRD` (card)
`currency_code`	string	No	Currency code (e.g. `GHS`)
`currency_val`	string	No	Currency value
`callback_url`	string	Yes	Webhook URL for notifications
`request_time`	string	Yes	Request timestamp

Supported Networks

Match payment_option to the route: MOM with mobile codes, BNK with bank codes, CRD with card codes.

Mobile Money

Network	Code
MTN Mobile Money	`MTN`
Telecel Cash	`VOD`
AirtelTigo Money	`AIR`
G-Money	`GMO`

Cards

Network	Code
Mastercard	`MAS`
Visa	`VIS`

Banks

Bank	Code
Access Bank	`ACB`
ABSA Bank	`ABS`
ADB	`ADB`
Apex Bank	`ARB`
Bank of Ghana	`BOG`
BOA	`BOA`
CAL Bank	`CAL`
CBG	`CBG`
Ecobank Ghana	`ECO`
FAB	`FAB`
FBN Bank	`FBN`
Fidelity Bank	`FIB`
FNB	`FNB`
GCB Bank	`GCB`
GHL Bank	`GHL`
GT Bank	`GTB`
NIB	`NIB`
Omni Bank	`OMN`
PBL	`PRB`
Republic Bank	`RPB`
SG	`SGB`
Services Integrity Savings & Loans	`SIS`
Standard Chartered	`SCB`
Stanbic Bank	`STB`
UBA	`UBA`
UMB	`UMB`
Zeepay Ghana	`ZEE`
Zenith Bank	`ZEB`

Response

Success (202)

{
  "response_message": "Request successfully received for processing",
  "response_code": "202"
}

Error Example

{
  "response_message": "You are not allowed to use this service",
  "response_code": "100"
}

Example (cURL)

curl -X POST "https://api.bridgeagw.com/make_payment" \
  -H "Authorization: Basic <your_credentials>" \
  -H "Content-Type: application/json" \
  -d '{
    "service_id": 1,
    "reference": "Refund for Order #123",
    "customer_number": "0541234567",
    "transaction_id": "PAYOUT_001",
    "trans_type": "MTC",
    "amount": 25.50,
    "nw": "MTN",
    "nickname": "John Doe",
    "payment_option": "MOM",
    "currency_code": "GHS",
    "currency_val": "1",
    "callback_url": "https://your-site.com/webhook/payout-status",
    "request_time": "2025-01-15 14:30:00"
  }'

Use "payment_option": "BNK" for bank payouts (set customer_number and nw to the bank code). Use "payment_option": "CRD" for card payouts.

Flow

POST payout with valid customer_number, nw, and payment_option.
Platform verifies your payout balance.
Transfer is processed; the customer gets a network notification where applicable.
Your callback_url receives final status (Callbacks).

Balance

Ensure sufficient payout balance before sending. Check Get Account Balance; fund via Deposit to Wallet if needed.

Transfer Money / Payout Payment (MTC)