Cote D’Ivoire

Supported payment methods and integration details for Cote D’Ivoire

Country Details

Country ID: 3 • Country Code: 225 • 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: `"225XXXXXXXXXX"`)	MTN Cote d’Ivoire (STK prompt)	Collections API
Moov Money	Deposit	`"moov"`	`mobile` (format: `"225XXXXXXXXXX"`)	Moov Africa CI (Prompt on handset)	Collections API
Orange Money	Deposit	`"orange"`	`mobile` (format: `"225XXXXXXXXXX"`), `otp` (via `#144*82#`)	Orange CI (USSD authorization / OTP)	Collections API
Wave	Deposit	`"wave"`	`mobile`, `successful_url`, `failure_url`	Wave CI (Redirect URL)	Collections API
MTN MoMo	Payout	`"mtn"`	`mtn: [{"phone_number": "225XXXXXXXXXX"}]`	MTN Cote d’Ivoire Mobile Wallet	Payments API
Orange Money	Payout	`"Orange"`	`Orange: [{"phone_number": "225XXXXXXXXXX"}]`	Orange CI Mobile Wallet	Payments API
Moov Money	Payout	`"moov"`	`mobile` (format: `"225XXXXXXXXXX"`)	Moov Africa CI Mobile Wallet	Payments API
Wave	Payout	`"wave"`	`mobile` (format: `"225XXXXXXXXXX"`)	Wave CI Mobile Wallet	Payments API

Payment Flow: How It Works

Cote d’Ivoire features three distinct deposit collection flows depending on the operator:

Deposits (Collections)

1. Instant Push Prompt Flow (MTN & Moov)

Initiation: Submit a POST request to Unified Collections with payment_method_type: "mtn" or "moov", country_id: 3, currency: "XOF", amount, and mobile (format: 225XXXXXXXXXX).
Handset Prompt: The customer immediately receives an on-screen prompt on their phone to enter their PIN and approve the debit.
Response & Callback: Niobi returns an initial response (payment_step: 1). Upon user approval, Niobi sends an asynchronous webhook callback (payment_step: 2, status: "success").

2. Wave Redirect Flow (`payment_method_type: "wave"`)

Initiation: Send a POST request to Unified Collections with payment_method_type: "wave", country_id: 3, currency: "XOF", amount, successful_url, and failure_url.
Redirection URL: Niobi generates and returns an authorization_url (payment_step: 1). Redirect the customer to this URL. On mobile, it opens directly in the Wave app; on desktop, the page shows a QR code the customer can scan with the Wave app on their phone to authorize instead.
Completion: Once the customer approves or cancels the payment in Wave, they’re redirected to your successful_url or failure_url accordingly, and Niobi delivers the terminal webhook callback (payment_step: 2).

3. Orange Money OTP Flow (`payment_method_type: "orange"`)

This is a two-step flow, the OTP is generated by the customer after you’ve already initiated the request, not before:

Step 1, Initiate: Submit a collection request with payment_method_type: "orange" and the customer’s phone number in mobile. Niobi returns a payment_token (payment_step: 1).
Generate the OTP: Ask the customer to generate their OTP. They dial a USSD code on their Orange Cote d’Ivoire mobile handset to receive it via a USSD prompt on their phone (generating it through the Orange app is also possible but being phased out). The OTP is valid for 2 minutes.
Step 2, Verify: Once you have the OTP from the customer, submit it together with the payment_token from Step 1 to POST /api/v4/niobi-unified-process-transaction.
Completion: The customer is debited and Niobi delivers the terminal webhook callback (payment_step: 2). No successful_url or failure_url is needed for this flow.

Orange CI USSD OTP prompt — The USSD prompt the customer sees on their handset after dialing the code, showing their one-time OTP.

Payouts (Disbursements)

When initiating a payout to Cote d’Ivoire 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.
Orange Money: Pass payment_method_type: "Orange" with an Orange array containing phone_number.
Moov Money: Pass payment_method_type: "moov" with a Moov array containing phone_number.
Wave: Pass payment_method_type: "wave" with a Wave array containing phone_number.

Sample Requests & Responses

1. MTN MoMo Deposit Request (STK Prompt)

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 5000,
        "callback_url": "https://example.com/callback",
        "country_id": 3,
        "currency": "XOF",
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2254805147649",
        "payment_method_type": "mtn",
        "third_party_reference_1": "TX-CIV-DEP-1001",
        "third_party_reference_2": "CUST-701"
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

2. Wave Deposit Request (Redirect Flow)

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 5000,
        "callback_url": "https://example.com/callback",
        "country_id": 3,
        "currency": "XOF",
        "email": "customer@example.com",
        "failure_url": "https://example.com/payment-failed",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2254905147649",
        "payment_method_type": "wave",
        "successful_url": "https://example.com/payment-success",
        "third_party_reference_1": "TX-CIV-WAVE-1002"
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

Wave Deposit Response (with Authorization URL)

{
    "success": true,
    "message": "Payment process initiated successfully.",
    "data": {
        "account_name": "John Doe",
        "amount": 5000,
        "authorization_url": "https://pay.wave.com/c/co_12345678abcdef",
        "callback_url": "https://example.com/callback",
        "country_id": 3,
        "currency": "XOF",
        "depositId": "dep_12345678",
        "failure_url": "https://example.com/payment-failed",
        "mobile": "2254905147649",
        "payment_method_type": "wave",
        "payment_step": 1,
        "status": "success",
        "successful_url": "https://example.com/payment-success",
        "third_party_reference_1": "TX-CIV-WAVE-1002"
    },
    "status_code": "000000"
}

3. Orange Money Deposit Request (OTP Flow, Step 1: Initiate)

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 5000,
        "callback_url": "https://example.com/callback",
        "country_id": 3,
        "currency": "XOF",
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2259445131649",
        "payment_method_type": "orange",
        "third_party_reference_1": "TX-CIV-ORA-1003"
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

Initial Response (Returns `payment_token`)

{
    "success": true,
    "message": "Verification token was sent to your mobile number. Kindly verify to proceed payment.",
    "data": {
        "amount": 5000,
        "country_id": 3,
        "currency": "XOF",
        "payment_token": "NIO-S0000001",
        "payment_step": 1
    },
    "status_code": "000000"
}

Orange Money Deposit Request (OTP Flow, Step 2: Verify)

Once the customer has generated their OTP, submit it with the payment_token from the initial response to POST /api/v4/niobi-unified-process-transaction:

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "otp": "000000",
        "payment_token": "NIO-S0000001"
    },
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0"
}

Payout Request (MTN MoMo)

{
    "client_id": "YOUR_CLIENT_ID",
    "params": {
        "amount": 2000,
        "client_callback_url": "https://example.com/callback",
        "country_id": 3,
        "currency": "XOF",
        "first_name": "John",
        "last_name": "Doe",
        "mobile": "2259421131649",
        "payment_method_type": "mtn",
        "payment_reference": "YOUR-PAYOUT-REF",
        "third_party_reference_1": "TX-CIV-DISB-2001",
        "mtn": [
            {
                "phone_number": "2259421131649"
            }
        ]
    },
    "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": "2259421131649",
        "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": "2254805147649",
        "name": "John Doe",
        "payment_step": 2,
        "status": "success",
        "status_code": "000000",
        "third_party_reference_1": "TX-CIV-DEP-1001",
        "third_party_reference_2": "CUST-701"
    }
}

Successful Payout Callback

{
    "client_id": "YOUR_CLIENT_ID",
    "salt": "random_salt_12345",
    "sender": "YOUR_INTEGRATION_NAME",
    "timestamp": 1724835600,
    "signature": "a1b2c3d4e5f60718293a4b5c6d7e8f90123456789abcdef0123456789abcdef0",
    "params": {
        "account": "2259421131649",
        "amount": 2000,
        "currency": "XOF",
        "fee": 50,
        "message": "Payment was transferred successfully.",
        "mobile": "2259421131649",
        "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-CIV-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 Cote D’Ivoire deposits.

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

Payments API reference for Cote D’Ivoire payouts.

Transaction Limits

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

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Supporting Documentation

Cote D'Ivoire | Supported Payment Methods & Corridors

Cote D’Ivoire

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Deposits (Collections)

1. Instant Push Prompt Flow (MTN & Moov)

2. Wave Redirect Flow (`payment_method_type: "wave"`)

3. Orange Money OTP Flow (`payment_method_type: "orange"`)

Payouts (Disbursements)

Sample Requests & Responses

1. MTN MoMo Deposit Request (STK Prompt)

2. Wave Deposit Request (Redirect Flow)

Wave Deposit Response (with Authorization URL)

3. Orange Money Deposit Request (OTP Flow, Step 1: Initiate)

Initial Response (Returns `payment_token`)

Orange Money Deposit Request (OTP Flow, Step 2: Verify)

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

​Cote D’Ivoire

​Supported Payment Methods & Payload Requirements

​Payment Flow: How It Works

​Deposits (Collections)

​1. Instant Push Prompt Flow (MTN & Moov)

​2. Wave Redirect Flow (payment_method_type: "wave")

​3. Orange Money OTP Flow (payment_method_type: "orange")

​Payouts (Disbursements)

​Sample Requests & Responses

​1. MTN MoMo Deposit Request (STK Prompt)

​2. Wave Deposit Request (Redirect Flow)

​Wave Deposit Response (with Authorization URL)

​3. Orange Money Deposit Request (OTP Flow, Step 1: Initiate)

​Initial Response (Returns payment_token)

​Orange Money Deposit Request (OTP Flow, Step 2: Verify)

​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

Cote D’Ivoire

Supported Payment Methods & Payload Requirements

Payment Flow: How It Works

Deposits (Collections)

1. Instant Push Prompt Flow (MTN & Moov)

2. Wave Redirect Flow (`payment_method_type: "wave"`)

3. Orange Money OTP Flow (`payment_method_type: "orange"`)

Payouts (Disbursements)

Sample Requests & Responses

1. MTN MoMo Deposit Request (STK Prompt)

2. Wave Deposit Request (Redirect Flow)

Wave Deposit Response (with Authorization URL)

3. Orange Money Deposit Request (OTP Flow, Step 1: Initiate)

Initial Response (Returns `payment_token`)

Orange Money Deposit Request (OTP Flow, Step 2: Verify)

Payout Request (MTN MoMo)

Payout Response (Initiation)

Webhook/Callback Examples

Successful Deposit Callback

Successful Payout Callback

Try it

Transaction Limits