v3

latestOpenAPI 3.0.0raw.githubusercontent.com2026-06-10283986.5 KB

Transfers

Initiate mobile money transfer

Initiate a transfer to a mobile money account. Creates a transaction record in your dashboard.

post/api/v1/bila/transfers/mobile-money

Request body

amountnumber required

Transfer amount

referencestring required

Unique client reference

phonestring required

Recipient phone number

operator'airtel' | 'mtn' | 'zamtel' required

Mobile money operator

country'zm' required

Country code

narrationstring

Transfer narration

walletIdstring uuid

Source wallet ID to debit (defaults to main wallet if omitted)

recipientNamestring

Recipient name for the transaction record

Example request

{
  "amount": 250,
  "reference": "mobile-transfer-001",
  "phone": "0977433571",
  "operator": "airtel",
  "country": "zm",
  "narration": "Mobile money payout",
  "walletId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "recipientName": "Jane Doe"
}

Response

Transfer initiated successfully

statusboolean required

Request success status

messagestring required

Response message

Example response

{
  "status": true,
  "message": "Operation completed successfully",
  "data": {
    "id": "txn-001",
    "reference": "payout-12345",
    "type": "bank-account",
    "status": "successful",
    "amount": 1000,
    "currency": "ZMW",
    "narration": "Salary payment",
    "recipient": {
      "accountNumber": "1234567890",
      "accountName": "JOHN DOE",
      "bankName": "Zambia National Commercial Bank",
      "phone": "0977123456",
      "operator": "airtel"
    },
    "createdAt": "2024-01-15T10:30:00Z",
    "completedAt": "2024-01-15T10:31:00Z"
  }
}