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POST
https://api-sandbox.pavewaygroup.com/v1
/
charges
/
mobile-money
Direct Mobile Money Charge
curl --request POST \
  --url https://api-sandbox.pavewaygroup.com/v1/charges/mobile-money \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "firstname": "<string>",
  "lastname": "<string>",
  "email": "<string>",
  "phone": "<string>",
  "amount": "<string>",
  "currency": "<string>",
  "country": "<string>",
  "network": "<string>",
  "description": "<string>",
  "merchant_reference": "<string>",
  "fee_bearer": "<string>",
  "redirect_url": "<string>",
  "metadata": {}
}
'
{
  "status_code": 200,
  "response_type": "success",
  "data": {
    "id": "658dc...",
    "payment_ref": "PWG_abc123",
    "status": "pending",
    "amount": "5000",
    "currency": "XAF",
    "payment_method": "mobile_money_franco",
    "network": "MTN",
    "message": "Payment processing. Please check your phone for the USSD prompt."
  }
}
The Direct Charge API allows you to initiate a mobile money collection without needing a hosted checkout page. This is ideal for mobile apps or custom checkout flows where you handle the user interface.

​
Authentication

Include your Secret Key in the Authorization header as a Bearer token.

​
Request Body

​
Customer Information

​
firstname
string
required
Customer’s first name.
​
lastname
string
required
Customer’s last name.
​
email
string
required
Customer’s email address for notifications and receipts.
​
phone
string
required
Customer’s phone number with country prefix (e.g., 237612345678).

​
Payment Details

​
amount
string
required
Amount in smallest currency unit (e.g., “5000” for 5000 XAF).
​
currency
string
default:"XAF"
The currency code. Currently supports XAF (Cameroon, etc.) and XOF (Senegal, Ivory Coast, etc.).
​
country
string
ISO 2-letter country code (e.g., CM, CI, SN, GH, KE).Recommended to omit: If omitted, the system automatically detects the country based on the phone number prefix. Only provide if you want to enforce a specific country.
​
network
string
Mobile network operator code. Common values: MTN, ORANGE, AIRTEL, MPESA, VODAFONE.Recommended to omit: If omitted, the system automatically detects the operator based on the phone number pattern.
​
description
string
required
Brief description of the charge, displayed to the customer.
​
merchant_reference
string
required
Your unique order reference for internal tracking.

​
Configuration

​
fee_bearer
string
default:"merchant"
Who pays the transaction fees:
  • merchant: Commission is deducted from your balance.
  • customer: Fee is added to the amount the customer pays.
​
redirect_url
string
The URL to redirect the customer to after payment completion (if applicable).
​
metadata
object
Custom JSON object for storing your own data with this transaction.

​
Response

​
id
string
Unique identifier for the transaction.
​
payment_ref
string
PaveWay’s unique public reference for this transaction (e.g., PWG_...).
​
status
string
Current status of the charge. Usually pending immediately after request, until the user processes the USSD prompt.
​
amount
string
The amount being charged.
​
currency
string
The currency code.
​
network
string
The detected mobile network operator (e.g., MTN, ORANGE).
​
message
string
A descriptive message for the user, usually instructing them to check their phone.
{
  "status_code": 200,
  "response_type": "success",
  "data": {
    "id": "658dc...",
    "payment_ref": "PWG_abc123",
    "status": "pending",
    "amount": "5000",
    "currency": "XAF",
    "payment_method": "mobile_money_franco",
    "network": "MTN",
    "message": "Payment processing. Please check your phone for the USSD prompt."
  }
}