Cameroon

Supported payment methods and integration details for Cameroon

Country Details

Country ID: 4 • Country Code: 237 • Currency: XAF (Central 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: `"237XXXXXXXX"`)	MTN Cameroon (STK PIN prompt)	Collections API
Orange Money	Deposit	`"orange"`	`mobile` (format: `"237XXXXXXXX"`)	Orange Cameroon (USSD prompt)	Collections API
MTN MoMo	Payout	`"mtn"`	`mtn: [{"phone_number": "237XXXXXXXX"}]`, `sender_firstname`, `sender_lastname`, `sender_phone_number`	MTN Cameroon Mobile Wallet	Payments API
Orange Money	Payout	`"Orange"`	`Orange: [{"phone_number": "237XXXXXXXX"}]`, `sender_firstname`, `sender_lastname`, `sender_phone_number`	Orange Cameroon Mobile Wallet	Payments API

Payment Flow: How It Works

Deposits (Collections)

Initiation: Submit a signed POST request to the Unified Collections endpoint with payment_method_type set to "mtn" or "orange", along with country_id: 4, currency: "XAF", amount, and the customer’s phone number in mobile (format: 237XXXXXXXX).
Handset Prompt: The customer receives an on-screen prompt on their mobile phone to enter their PIN and authorize the transaction.
Initial Response: Niobi returns an acknowledgement (payment_step: 1) containing the assigned depositId.
Callback Confirmation: Once the customer authorizes the transaction, Niobi delivers an asynchronous webhook callback (payment_step: 2, status: "success") to your callback_url.

Payouts (Disbursements)

When initiating a payout to Cameroon via the Unified Payments endpoint, pass the appropriate payment_method_type, its nested array, and the required regulatory sender identity fields:

MTN MoMo: Pass payment_method_type: "mtn" with an mtn array containing phone_number.
Orange Money: Pass payment_method_type: "Orange" with an Orange array containing phone_number.

Sender Identity Requirement for Cameroon:
Due to regional compliance regulations in Cameroon (country_id: 4), all payout requests require the sender’s identity fields: sender_firstname, sender_lastname, and sender_phone_number inside params.

Sample Requests & Responses

MTN MoMo Deposit Request

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 5000,
        "callback_url": "https://example.com/callback",
        "country_id": 4,
        "currency": "XAF",
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "237653456789",
        "payment_method_type": "mtn",
        "third_party_reference_1": "TX-CMR-DEP-1001",
        "third_party_reference_2": "CUST-801"
    },
    "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": 4,
        "currency": "XAF",
        "depositId": "dep_12345678",
        "mobile": "237653456789",
        "payment_method_type": "mtn",
        "payment_step": 1,
        "status": "success",
        "third_party_reference_1": "TX-CMR-DEP-1001"
    },
    "status_code": "000000"
}

Payout Request (MTN MoMo with Sender Details)

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 2500,
        "client_callback_url": "https://example.com/callback",
        "country_id": 4,
        "currency": "XAF",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "237387597649",
        "payment_method_type": "mtn",
        "payment_reference": "YOUR-PAYOUT-REF",
        "sender_firstname": "Alice",
        "sender_lastname": "Smith",
        "sender_phone_number": "237690000000",
        "third_party_reference_1": "TX-CMR-DISB-2001",
        "mtn": [
            {
                "phone_number": "237387597649"
            }
        ]
    },
    "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": "237387597649",
        "total": 2500,
        "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": "XAF",
        "depositId": "dep_12345678",
        "email": "customer@example.com",
        "mobile": "237653456789",
        "name": "John Doe",
        "payment_step": 2,
        "status": "success",
        "status_code": "000000",
        "third_party_reference_1": "TX-CMR-DEP-1001",
        "third_party_reference_2": "CUST-801"
    }
}

Successful Payout Callback

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "account": "237387597649",
        "amount": 2500,
        "currency": "XAF",
        "fee": 25,
        "message": "Payment was transferred successfully.",
        "mobile": "237387597649",
        "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-CMR-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 Cameroon deposits.

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

Payments API reference for Cameroon payouts.

Transaction Limits

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

Get Started with Niobi

API Authentication

Collecting Payments

Making Payments

Transaction Status

Supporting Documentation

Cameroon | Supported Payment Methods & Corridors

Cameroon

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 with Sender Details)

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

​Cameroon

​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 with Sender Details)

​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

Cameroon

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 with Sender Details)

Payout Response (Initiation)

Webhook/Callback Examples

Successful Deposit Callback

Successful Payout Callback

Try it

Transaction Limits