> ## Documentation Index > Fetch the complete documentation index at: https://docs.niobi.co/llms.txt > Use this file to discover all available pages before exploring further. # Payout Methods > Comprehensive guide to supported disbursement channels across Africa: Mobile Wallets, Business Paybills, Till Numbers, PesaLink, and Bank Transfers. ## Overview Niobi provides versatile payout channels enabling instant disbursements to consumers, merchants, utility providers, and businesses across 17 African markets. ### Master Country Payout Matrix | ID | Country | Currency | Supported Payout Methods (`payment_method_type`) | | :----: | :---------------------------------------- | :------: | :--------------------------------------------------------------------- | | **1** | [Kenya](/countries/kenya) | `KES` | `send money` (M-Pesa), `airtel`, `pay bill`, `till number`, `pesalink` | | **2** | [Benin](/countries/benin) | `XOF` | `mtn`, `moov` | | **3** | [Côte d'Ivoire](/countries/cote-d-ivoire) | `XOF` | `Orange`, `mtn`, `moov`, `Wave` | | **4** | [Cameroon](/countries/cameroon) | `XAF` | `mtn`, `Orange` (Requires sender details) | | **5** | [DRC](/countries/drc) | `CDF` | `airtel`, `Orange`, `vodacom` | | **8** | [Rwanda](/countries/rwanda) | `RWF` | `mtn`, `airtel` | | **9** | [Senegal](/countries/senegal) | `XOF` | `Orange`, `free`, `Wave` | | **10** | [Tanzania](/countries/tanzania) | `TZS` | `airtel`, `halotel`, `tigo`, `vodacom` | | **11** | [Uganda](/countries/uganda) | `UGX` | `mtn`, `airtel` | | **12** | [Zambia](/countries/zambia) | `ZMW` | `mtn`, `zamtel`, `airtel` | | **13** | [Sierra Leone](/countries/sierra-leone) | `SLE` | `Orange` | | **15** | [South Africa](/countries/south-africa) | `ZAR` | `bank` (RTC / EFT) | | **16** | [Ghana](/countries/ghana) | `GHS` | `mtn`, `at` (AirtelTigo), `vodafone` | | **17** | [Nigeria](/countries/nigeria) | `NGN` | `bank` (Direct Bank Transfer via NUBAN) | | **18** | [Mali](/countries/mali) | `XOF` | `Orange`, `moov` | | **19** | [Burkina Faso](/countries/burkina-faso) | `XOF` | `Orange`, `moov` | | **20** | [Togo](/countries/togo) | `XOF` | `moov`, `tmoney` | ### Upcoming Payout Corridors | Country | Code | Currency | Planned Payout Methods | | :---------------------------------- | :--: | :------: | :----------------------------- | | [Ethiopia](/countries/ethiopia) | 251 | `ETB` | teleBirr, mBirr | | [Malawi](/countries/malawi) | 265 | `MWK` | Airtel Money, TNM Mpamba | | [Egypt](/countries/egypt) | 20 | `EGP` | Vodafone Cash, Orange Money | | [Mozambique](/countries/mozambique) | 258 | `MZN` | Vodacom M-Pesa, Movitel, Tmcel | *** ## 1. Mobile Money Payouts Mobile money disbursements transfer funds directly into the recipient's mobile wallet in real time. ### Supported Channels & Parameter Objects: When disbursing via mobile money, set `payment_method_type` to the corridor's provider name and supply the matching array object containing the recipient's phone number: | Channel | `payment_method_type` | Nested Parameter Object in `params` | | :------------------------------- | :-------------------------------------- | :------------------------------------------------------------------------- | | **Kenya M-Pesa** | `send money` | `"sendmoney": [{"phone_number": "254647647649"}]` | | **Kenya Airtel** | `Airtel` | `"Airtel": [{"phone_number": "254731000789"}]` | | **Ghana MTN** | `mtn` | `"mtn": [{"phone_number": "233593456789"}]` | | **Ghana Vodafone** | `Vodafone` | `"Vodafone": [{"phone_number": "233503456789"}]` | | **Ghana AT** | `at` | `"at": [{"phone_number": "233273456789"}]` | | **Uganda MTN / Airtel** | `mtn` / `Airtel` | `"mtn": [...]` / `"Airtel": [...]` | | **Tanzania Mobile Money** | `airtel`, `tigo`, `halotel`, `vodacom` | `"Airtel": [...]`, `"Tigo": [...]`, `"Halotel": [...]`, `"Vodacom": [...]` | | **Francophone Africa (XOF/XAF)** | `Orange`, `mtn`, `moov`, `Wave`, `Free` | `"Orange": [...]`, `"mtn": [...]`, `"moov": [...]`, `"Free": [...]` | #### Sample Request: Ghana MTN Mobile Money Payout ```json theme={null} { "client_id": "YOUR_CLIENT_ID", "sender": "YOUR_INTEGRATION_NAME", "timestamp": 1724835600, "salt": "random_salt_12345", "signature": "d4e5f6a7b8c90123456789abcdef0123456789abcdef0123456789abcdef01", "params": { "amount": 500, "currency": "GHS", "country_id": 16, "first_name": "Kwame", "last_name": "Mensah", "mobile": "233593456789", "email": "kwame.mensah@example.com", "city": "Accra", "payment_method_type": "mtn", "mtn": [ { "phone_number": "233593456789" } ], "client_callback_url": "https://yourdomain.com/niobi/payout-callback", "payment_reference": "GH-DISB-1002" } } ``` *** ## 2. Kenya Business Payouts (Paybill, Till Number & PesaLink) For Kenyan enterprises, Niobi supports business disbursements to M-Pesa Paybills, Buy Goods Till Numbers, and commercial bank accounts via PesaLink: ### A. M-Pesa Paybill Payouts Disburse directly to an M-Pesa Paybill business number with an associated account reference: * **`payment_method_type`**: `"pay bill"` * **Parameter Object**: `"paybill": [{"paybill_number": "123456", "account_number": "INVOICE-881"}]` ### B. M-Pesa Till Number (Buy Goods) Payouts Disburse directly to an M-Pesa Buy Goods till merchant: * **`payment_method_type`**: `"till number"` * **Parameter Object**: `"tillnumber": [{"till_number": "123456"}]` ### C. PesaLink Instant Bank Transfers Send real-time bank transfers to any commercial bank in Kenya: * **`payment_method_type`**: `"pesalink"` * **Parameter Object**: ```json theme={null} "pesalink": [ { "bank_name": "Kenya Commercial Bank", "bank_code": "1", "branch_name": "Nairobi", "account_name": "Jane Doe", "account_number": "123223837" } ] ``` | Bank Name | Bank Code (`bank_code`) | | :---------------------------------- | :---------------------: | | Kenya Commercial Bank (KCB) | `1` | | Standard Chartered Bank | `2` | | Absa Bank Kenya | `3` | | NCBA Bank Kenya | `7` | | Prime Bank | `10` | | Co-operative Bank | `11` | | National Bank of Kenya | `12` | | Citibank N.A. Kenya | `16` | | Middle East Bank Kenya | `18` | | Bank of Africa Kenya | `19` | | Credit Bank Limited | `25` | | CFC Stanbic Kenya | `31` | | Paramount Bank | `50` | | Jamii Bora Bank (Kingdom Bank) | `51` | | Guaranty Trust Bank | `53` | | Guardian Bank | `55` | | I\&M Bank | `57` | | Diamond Trust Bank (DTB) | `63` | | Sidian Bank | `66` | | Equity Bank Kenya | `68` | | Family Bank Limited | `70` | | Gulf African Bank | `72` | | First Community Bank (Premier Bank) | `74` | | Kenya Women's Finance Trust (KWFT) | `78` | | Choice Microfinance Bank | `82` | *** ## 3. Nigeria NGN Bank Payouts Disburse directly into Nigerian commercial and microfinance bank accounts via NUBAN: * **`country_id`**: `17` * **`currency`**: `"NGN"` * **`payment_method_type`**: `"bank"` * **Parameter Object**: ```json theme={null} "bank": [ { "bank_name": "Access Bank", "bank_code": "044", "branch_name": "Lagos", "account_name": "Adebayo Johnson", "account_number": "0123456789" } ] ``` | Bank Name | 3-Digit Bank Code (`bank_code`) | | :--------------------------- | :-----------------------------: | | Access Bank | `044` | | Guaranty Trust Bank (GTBank) | `058` | | Zenith Bank | `057` | | United Bank for Africa (UBA) | `033` | | First Bank of Nigeria | `011` | | Stanbic IBTC Bank | `221` | | OPay Digital Services | `999992` | | PalmPay | `999991` | | Kuda Bank | `090267` | | Fidelity Bank | `070` | | Sterling Bank | `232` | | Wema Bank | `035` | *** ## 4. Cameroon XAF Compliance (CEMAC Sender Information) In accordance with CEMAC regional financial compliance regulations, all payouts in **Cameroon (`country_id: 4`, currency: `XAF`)** require the identification details of the originating sender: ### Required Sender Fields for Cameroon Payouts: * **`params.sender_firstname`** (`string`, Required): First name of the person initiating the payout (if you run a multi-user platform, the individual user/client requesting the disbursement). * **`params.sender_lastname`** (`string`, Required): Last name of the person initiating the payout. * **`params.sender_phone_number`** (`string`, Required): Mobile phone number of the person initiating the payout in international format (e.g. `237612345678`). #### Sample Cameroon XAF Disbursement Request ```json theme={null} { "client_id": "YOUR_CLIENT_ID", "sender": "YOUR_INTEGRATION_NAME", "timestamp": 1724835600, "salt": "random_salt_12345", "signature": "d4e5f6a7b8c90123456789abcdef0123456789abcdef0123456789abcdef01", "params": { "amount": 10000, "currency": "XAF", "country_id": 4, "first_name": "Jean", "last_name": "Dupont", "mobile": "237791189789", "email": "jean.dupont@example.com", "city": "Yaounde", "sender_firstname": "John", "sender_lastname": "Doe", "sender_phone_number": "237690000000", "payment_method_type": "Orange", "Orange": [ { "phone_number": "237791189789" } ], "client_callback_url": "https://yourdomain.com/niobi/payout-callback", "payment_reference": "CAM-DISB-3001" } } ``` *** ## Next Steps Follow these guides in order to complete your payout integration:
Step 2

Payout Callbacks

Handle terminal payment\_step: 2 callbacks, verify signatures, and reconcile outcomes.
Step 3

Payout Best Practices

Wallet balance management, MSISDN validation, idempotency, and error retry strategies.