---
title: "Initiate mobile money collection"
method: POST
path: "/api/v1/bila/collections/mobile-money"
tags: ["Collections"]
---

# Initiate mobile money collection

`POST /api/v1/bila/collections/mobile-money`

Initiate a payment collection from a mobile money account. Creates a transaction record in your dashboard.

## Request body

- MobileMoneyCollectionDto
  - `amount` number, required — Collection amount
  - `reference` string, required — Unique client reference
  - `phone` string, required — Customer phone number
  - `operator` 'airtel' | 'mtn' | 'zamtel', required — Mobile money operator
  - `country` 'zm', required — Country code
  - `bearer` 'merchant' | 'customer' — Who bears the transaction fee
  - `narration` string — Collection narration
  - `walletId` string, uuid, required — Target wallet ID to credit
  - `customerName` string — Customer name for the transaction record

## Response `201`

Collection initiated successfully

- object
  - `status` boolean, required — Request success status
  - `message` string, required — Response message
  - `data` BilaCollectionResponseDto
    - `id` string, required — Collection ID
    - `reference` string, required — Client reference
    - `status` 'pending' | 'successful' | 'failed' | 'otp-required' | 'pay-offline', required — Collection status
    - `amount` number, required — Collection amount
    - `currency` string, required — Currency code
    - `feeBearer` 'merchant' | 'customer' — Who bears the transaction fee
    - `narration` string — Collection narration
    - `customer` BilaCollectionCustomerDto, required
      - `phone` string, required — Customer phone number
      - `name` string, required — Customer name
      - `operator` string, required — Mobile money operator
    - `createdAt` string, date-time, required — Collection creation timestamp
    - `completedAt` string, date-time — Collection completion timestamp

## Other responses

- `400` — Invalid collection details

---

[API](https://skmtc.net/bilasdk/apis/bila-payment-gateway-api.md) · [All operations](https://skmtc.net/bilasdk/apis/bila-payment-gateway-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/bilasdk/bila-payment-gateway-api/revisions/1e6976632889/schema)