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": "0244000001",
  "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`

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 Usage

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": "0244000001",
    "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"
  }'

const response = await fetch('https://api.bridgeagw.com/make_payment', {
  method: 'POST',
  headers: {
    'Authorization': 'Basic <your_credentials>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    service_id: 1,
    reference: "Refund for Order #123",
    customer_number: "0244000001",
    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"
  })
});

const result = await response.json();
console.log(result);

import requests

url = "https://api.bridgeagw.com/make_payment"
headers = {
    "Authorization": "Basic <your_credentials>",
    "Content-Type": "application/json"
}
data = {
    "service_id": 1,
    "reference": "Refund for Order #123",
    "customer_number": "0244000001",
    "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"
}

response = requests.post(url, headers=headers, json=data)
result = response.json()
print(result)

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.

In sandbox mode, mobile money payouts (payment_option: "MOM") use the same MSISDN allowlist as collections. The last-digit outcome rule applies. See the API Reference sandbox overview for the full allowlist.

Bank (BNK) and card (CRD) payouts are not available in sandbox — use MOM for testing.

Scenario	`customer_number`	`nw`	Expected `response_code`	Sync body
Success	`0244000001`	`MTN`	`202`	Includes `"status": "success"`
Success (Vodafone)	`0200000002`	`VOD`	`202`	Includes `"status": "success"`
Failure	`0244000009`	`MTN`	`015`	No callback
Invalid	`0240000000`	`MTN`	`019`	No callback

A successful payout 202 response in sandbox includes a "status": "success" field on the sync response body (in addition to the normal 202 on collections).

Example sandbox request:

{
  "service_id": 12345,
  "reference": "Payout ref",
  "customer_number": "0200000002",
  "transaction_id": "PAYOUT-SANDBOX-001",
  "trans_type": "MTC",
  "amount": 10,
  "nw": "VOD",
  "payment_option": "MOM",
  "callback_url": "https://your-site.com/webhook/payout-status",
  "request_time": "2026-01-15T14:30:00Z"
}

Transfer Money / Payout Payment (MTC)