Initiate mobile money transfer
curl --request POST \
--url https://api.usebila.com/api/v1/bila/transfers/mobile-money \
--header 'Content-Type: application/json' \
--header 'x-api-key: <api-key>' \
--data '
{
"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"
}
'import requests
url = "https://api.usebila.com/api/v1/bila/transfers/mobile-money"
payload = {
"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"
}
headers = {
"x-api-key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
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'
})
};
fetch('https://api.usebila.com/api/v1/bila/transfers/mobile-money', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.usebila.com/api/v1/bila/transfers/mobile-money",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'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'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-api-key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.usebila.com/api/v1/bila/transfers/mobile-money"
payload := strings.NewReader("{\n \"amount\": 250,\n \"reference\": \"mobile-transfer-001\",\n \"phone\": \"0977433571\",\n \"operator\": \"airtel\",\n \"country\": \"zm\",\n \"narration\": \"Mobile money payout\",\n \"walletId\": \"68f11209-451f-4a15-bfcd-d916eb8b09f4\",\n \"recipientName\": \"Jane Doe\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-api-key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.usebila.com/api/v1/bila/transfers/mobile-money")
.header("x-api-key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"amount\": 250,\n \"reference\": \"mobile-transfer-001\",\n \"phone\": \"0977433571\",\n \"operator\": \"airtel\",\n \"country\": \"zm\",\n \"narration\": \"Mobile money payout\",\n \"walletId\": \"68f11209-451f-4a15-bfcd-d916eb8b09f4\",\n \"recipientName\": \"Jane Doe\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.usebila.com/api/v1/bila/transfers/mobile-money")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": 250,\n \"reference\": \"mobile-transfer-001\",\n \"phone\": \"0977433571\",\n \"operator\": \"airtel\",\n \"country\": \"zm\",\n \"narration\": \"Mobile money payout\",\n \"walletId\": \"68f11209-451f-4a15-bfcd-d916eb8b09f4\",\n \"recipientName\": \"Jane Doe\"\n}"
response = http.request(request)
puts response.read_body{
"status": true,
"message": "Operation completed successfully",
"data": {
"id": "txn-001",
"reference": "payout-12345",
"type": "bank-account",
"status": "successful",
"amount": 1000,
"currency": "ZMW",
"recipient": {
"accountName": "JOHN DOE",
"accountNumber": "1234567890",
"bankName": "Zambia National Commercial Bank",
"phone": "0977123456",
"operator": "airtel"
},
"createdAt": "2024-01-15T10:30:00Z",
"narration": "Salary payment",
"completedAt": "2024-01-15T10:31:00Z"
}
}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
Initiate mobile money transfer
curl --request POST \
--url https://api.usebila.com/api/v1/bila/transfers/mobile-money \
--header 'Content-Type: application/json' \
--header 'x-api-key: <api-key>' \
--data '
{
"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"
}
'import requests
url = "https://api.usebila.com/api/v1/bila/transfers/mobile-money"
payload = {
"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"
}
headers = {
"x-api-key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
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'
})
};
fetch('https://api.usebila.com/api/v1/bila/transfers/mobile-money', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.usebila.com/api/v1/bila/transfers/mobile-money",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'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'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-api-key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.usebila.com/api/v1/bila/transfers/mobile-money"
payload := strings.NewReader("{\n \"amount\": 250,\n \"reference\": \"mobile-transfer-001\",\n \"phone\": \"0977433571\",\n \"operator\": \"airtel\",\n \"country\": \"zm\",\n \"narration\": \"Mobile money payout\",\n \"walletId\": \"68f11209-451f-4a15-bfcd-d916eb8b09f4\",\n \"recipientName\": \"Jane Doe\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-api-key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.usebila.com/api/v1/bila/transfers/mobile-money")
.header("x-api-key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"amount\": 250,\n \"reference\": \"mobile-transfer-001\",\n \"phone\": \"0977433571\",\n \"operator\": \"airtel\",\n \"country\": \"zm\",\n \"narration\": \"Mobile money payout\",\n \"walletId\": \"68f11209-451f-4a15-bfcd-d916eb8b09f4\",\n \"recipientName\": \"Jane Doe\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.usebila.com/api/v1/bila/transfers/mobile-money")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": 250,\n \"reference\": \"mobile-transfer-001\",\n \"phone\": \"0977433571\",\n \"operator\": \"airtel\",\n \"country\": \"zm\",\n \"narration\": \"Mobile money payout\",\n \"walletId\": \"68f11209-451f-4a15-bfcd-d916eb8b09f4\",\n \"recipientName\": \"Jane Doe\"\n}"
response = http.request(request)
puts response.read_body{
"status": true,
"message": "Operation completed successfully",
"data": {
"id": "txn-001",
"reference": "payout-12345",
"type": "bank-account",
"status": "successful",
"amount": 1000,
"currency": "ZMW",
"recipient": {
"accountName": "JOHN DOE",
"accountNumber": "1234567890",
"bankName": "Zambia National Commercial Bank",
"phone": "0977123456",
"operator": "airtel"
},
"createdAt": "2024-01-15T10:30:00Z",
"narration": "Salary payment",
"completedAt": "2024-01-15T10:31:00Z"
}
}Authorizations
Merchant API key (e.g., sk_live_xxx or sk_test_xxx)
Body
application/json
Transfer amount
Required range:
x >= 0.01Example:
250
Unique client reference
Pattern:
^[a-zA-Z0-9._-]+$Example:
"mobile-transfer-001"
Recipient phone number
Example:
"0977433571"
Mobile money operator
Available options:
airtel, mtn, zamtel, vodacom Example:
"airtel"
Country code
Available options:
zm, ng Example:
"zm"
Transfer narration
Maximum string length:
100Example:
"Mobile money payout"
Source wallet ID to debit (defaults to main wallet if omitted)
Example:
"68f11209-451f-4a15-bfcd-d916eb8b09f4"
Recipient name for the transaction record
Maximum string length:
100Example:
"Jane Doe"
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