Direct Payment (Mobile money)
Objective
Trigger a Mobile Money payment request (push/STK/USSD) with supported operators (WAVE, Orange Money, MTN MoMo, Moov, etc.) This operation is an incoming payment (payin) that requires a confirmation action on the client side.
Request Details
| Element | Description |
|---|---|
| Method | POST |
| Endpoint | /v1/direct/payin |
| Auth | ✅ Authorization: Basic base64(api_key:api_client) |
| Content Type | application/json |
Request Example
{
"reference": "{{$randomUUID}}",
"accountId": "{{merchant_account_id}}",
"customerName": "John Do",
"payin": {
"amount": 300,
"msisdn": "{{phone_number}}",
"provider": "WAVE", // WAVE | ORANGE | MOMO | MOOV
"country": "CM" // CI | CM | BF
}
}Response Example
{
"type": "payin",
"fee": 4,
"reference": "xxxxxxxxxx",
"phoneNumber": "+2250700000000",
"customerName": "John Doe",
"amount": 200,
"chargedAmount": 196,
"status": "processing",
"currency": "XOF",
"customerReference": "cb77b621-53da-48d9-93a8-0eb0f37cd6be",
"confirmationRequired": false,
"confirmationStatus": "none",
"paymentUrl": "https://pay.wave.com/x/xxx",
"createdAt": "2026-01-13T11:50:05.267Z"
}Response Interpretation
| Field | Description |
|---|---|
| type | Operation type — here "payin", for an incoming payment. |
| fee | Service fees applied to the transaction. |
| reference | System reference of the transaction on the API side. |
| phoneNumber | Phone number of the paying customer. |
| amount | Gross payment amount. |
| chargedAmount | Total amount debited (amount + fees). |
| status | Initial payment status (processing, processed, expired, etc.). |
| currency | Currency used, e.g. "XOF", "XAF". |
| customerReference | Request identifier generated or transmitted by the merchant. |
| confirmationRequired | Indicates whether the customer must confirm the payment before execution. |
| confirmationStatus | Customer confirmation status (see table below). |
| paymentUrl | Web link (deep link) allowing the customer to confirm payment via a mobile or web interface. |
| createdAt | Session creation date. |