Benin

Supported payment methods and integration details for Benin

Country Details

Country ID: 2 • Country Code: 229 • Currency: XOF (West African CFA Franc)

Supported Payment Methods & Payload Requirements

Channel	Flow	`payment_method_type`	Required Payload Array / Fields	Destination / Operator	API Reference
MTN MoMo	Deposit	`"mtn"`	`mobile` (format: `"229XXXXXXXX"`)	MTN Benin (STK PIN prompt)	Collections API
Moov Money	Deposit	`"moov"`	`mobile` (format: `"229XXXXXXXX"`)	Moov Africa Benin (Prompt on handset)	Collections API
MTN MoMo	Payout	`"mtn"`	`mtn: [{"phone_number": "229XXXXXXXX"}]`	MTN Benin Mobile Wallet	Payments API
Moov Money	Payout	`"moov"`	`mobile` (format: `"229XXXXXXXX"`)	Moov Africa Benin Mobile Wallet	Payments API

Payment Flow: How It Works

Deposits (Collections)

Initiation: Submit a signed POST request to the Unified Collections endpoint with country_id: 2, currency: "XOF", amount, payment_method_type ("mtn" or "moov"), and the customer’s phone number in mobile (format: 229XXXXXXXX).
Handset Authorization: The customer receives an instant on-screen prompt on their mobile phone to enter their PIN and authorize the debit.
Initial Response: Niobi returns an acknowledgement (payment_step: 1) containing the assigned depositId.
Callback Confirmation: Once authorized, Niobi delivers an asynchronous webhook callback (payment_step: 2, status: "success") to your callback_url.

Payouts (Disbursements)

When initiating a payout to Benin via the Unified Payments endpoint, pass the appropriate payment_method_type and its corresponding parameters:

MTN MoMo: Pass payment_method_type: "mtn" with an mtn array containing phone_number.
Moov Money: Pass payment_method_type: "moov" with the recipient’s phone number in mobile.

Sample Requests & Responses

MTN MoMo Deposit Request

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 5000,
        "callback_url": "https://example.com/callback",
        "country_id": 2,
        "currency": "XOF",
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "22918580649",
        "payment_method_type": "mtn",
        "third_party_reference_1": "TX-BEN-DEP-1001",
        "third_party_reference_2": "CUST-1301"
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

Deposit Response (Initiation)

{
    "success": true,
    "message": "Payment process initiated successfully.",
    "data": {
        "account_name": "John Doe",
        "amount": 5000,
        "callback_url": "https://example.com/callback",
        "country_id": 2,
        "currency": "XOF",
        "depositId": "dep_12345678",
        "mobile": "22918580649",
        "payment_method_type": "mtn",
        "payment_step": 1,
        "status": "success",
        "third_party_reference_1": "TX-BEN-DEP-1001"
    },
    "status_code": "000000"
}

Payout Request (MTN MoMo)

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 2000,
        "client_callback_url": "https://example.com/callback",
        "country_id": 2,
        "currency": "XOF",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "22991600649",
        "payment_method_type": "mtn",
        "payment_reference": "YOUR-PAYOUT-REF",
        "third_party_reference_1": "TX-BEN-DISB-2001",
        "mtn": [
            {
                "phone_number": "22991600649"
            }
        ]
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

Payout Response (Initiation)

{
    "success": true,
    "message": "Payment process initiated successfully.",
    "data": {
        "creation_date": "2026-08-28T12:30:00.000000Z",
        "from": "YOUR_INTEGRATION_NAME",
        "payment_step": 1,
        "reference": "ref_98765432",
        "to": "22991600649",
        "total": 2000,
        "type": "MTN MoMo"
    },
    "status_code": "000000"
}

Webhook/Callback Examples

Successful Deposit Callback

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "amount": 5000,
        "currency": "XOF",
        "depositId": "dep_12345678",
        "email": "customer@example.com",
        "mobile": "22918580649",
        "name": "John Doe",
        "payment_step": 2,
        "status": "success",
        "status_code": "000000",
        "third_party_reference_1": "TX-BEN-DEP-1001",
        "third_party_reference_2": "CUST-1301"
    }
}

Successful Payout Callback

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "account": "22991600649",
        "amount": 2000,
        "currency": "XOF",
        "fee": 20,
        "message": "Payment was transferred successfully.",
        "mobile": "22991600649",
        "payee": "John Doe",
        "payment_channel": "MTN MoMo",
        "payment_reference": "YOUR-PAYOUT-REF",
        "payment_step": 2,
        "payoutId": "bd8f51a2-xxxx-xxxx-xxxx-xxxxx9a",
        "ref": "ref_98765432",
        "status": "success",
        "statusCode": "000000",
        "third_party_reference_1": "TX-BEN-DISB-2001",
        "third_party_reference_2": null,
        "transaction_date": "2026-08-28 12:30:00",
        "transaction_detail": "Disbursement made through MTN MoMo",
        "type": "Pay out"
    }
}

Try it

Try it: POST /api/v4/niobi-unified-collections

Collections API reference for Benin deposits.

Try it: POST /api/v4/niobi-unified-payments

Payments API reference for Benin payouts.

Transaction Limits

For the full list of minimum and maximum transaction limits for Benin (XOF) collections and payouts, please see the Transaction Limits for Benin section on the Transaction Limits page.

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API Authentication

Collecting Payments

Making Payments

Transaction Status

Supporting Documentation

Benin | Supported Payment Methods & Corridors

Benin

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Deposits (Collections)

Payouts (Disbursements)

Sample Requests & Responses

MTN MoMo Deposit Request

Deposit Response (Initiation)

Payout Request (MTN MoMo)

Payout Response (Initiation)

Webhook/Callback Examples

Successful Deposit Callback

Successful Payout Callback

Try it

Try it: POST /api/v4/niobi-unified-collections

Try it: POST /api/v4/niobi-unified-payments

Transaction Limits

​Benin

​Supported Payment Methods & Payload Requirements

​Payment Flow: How It Works

​Deposits (Collections)

​Payouts (Disbursements)

​Sample Requests & Responses

​MTN MoMo Deposit Request

​Deposit Response (Initiation)

​Payout Request (MTN MoMo)

​Payout Response (Initiation)

​Webhook/Callback Examples

​Successful Deposit Callback

​Successful Payout Callback

​Try it

Try it: POST /api/v4/niobi-unified-collections

Try it: POST /api/v4/niobi-unified-payments

​Transaction Limits

Benin

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Deposits (Collections)

Payouts (Disbursements)

Sample Requests & Responses

MTN MoMo Deposit Request

Deposit Response (Initiation)

Payout Request (MTN MoMo)

Payout Response (Initiation)

Webhook/Callback Examples

Successful Deposit Callback

Successful Payout Callback

Try it

Transaction Limits