> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usebila.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Mobile Money Payouts

> Send funds from your Bila wallet to an MTN, Airtel, or Zamtel mobile money account.

Send funds from any of your Bila wallets to a registered **MTN Mobile Money**, **Airtel Money**, or **Zamtel Kwacha** account.

<Info>
  Only users with **Merchant Admin** or **Initiator & Approver** roles can initiate payouts.
</Info>

***

## Prerequisites

Before you begin, make sure you have:

* Sufficient available balance in the wallet you intend to debit
* The recipient saved under **Payments → Recipients** with their correct mobile number and provider
* Approver availability if your account requires dual authorisation

***

## Steps

<Steps>
  <Step title="Open the Payments Dashboard">
    Click **Payments** in the left sidebar, then click the **Send Money** card.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%201%20light.jpg" alt="Payments dashboard - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%201.png" alt="Payments dashboard - dark mode" />
    </Frame>
  </Step>

  <Step title="Select a Source Account">
    In the **Source Account** section, click the wallet you want to debit. The selected wallet is highlighted with a checkmark.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%202%20light.jpg" alt="Select source account - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%202.png" alt="Select source account - dark mode" />
    </Frame>

    <Info>
      Select **Main Wallet** for general-purpose payouts. Sub-wallets can also be used if funds are allocated there.
    </Info>
  </Step>

  <Step title="Enter the Amount and Description">
    | Field                        | What to Enter                                                   |
    | ---------------------------- | --------------------------------------------------------------- |
    | **Amount**                   | The amount to send in ZMW (cannot exceed the maximum available) |
    | **Description** *(optional)* | A reference note, e.g. `Vendor Settlement`                      |
  </Step>

  <Step title="Choose a Recipient">
    Scroll to the **Recipient** section and click **Choose recipient**.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%203%20light.jpg" alt="Choose recipient - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%203.png" alt="Choose recipient - dark mode" />
    </Frame>

    Select the correct mobile money entry - recipients show as **Name** - `Mobile Money • 09XXXXXXXX`.

    <Warning>
      If the recipient is saved under both mobile money and bank, make sure you select the **mobile money** entry.
    </Warning>
  </Step>

  <Step title="Confirm and Send">
    Verify the source wallet, amount, and recipient, then click **Confirm & Send Money**.

    <Warning>
      This action cannot be undone once processed. Sending to a wrong number requires a separate recovery process with the mobile network operator.
    </Warning>
  </Step>

  <Step title="Track the Payout">
    Go to **Payments → Recent Payments** and click the **eye icon** to view full transaction details.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%205%20light.png" alt="Track payout - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/Mobile%20Money%20Payouts/momo%205.png" alt="Track payout - dark mode" />
    </Frame>
  </Step>
</Steps>

***

## Supported Providers

| Provider             | Requirement                 |
| -------------------- | --------------------------- |
| **MTN Mobile Money** | Active MTN MoMo wallet      |
| **Airtel Money**     | Active Airtel Money account |
| **Zamtel Kwacha**    | Active Zamtel Kwacha wallet |

***

## Fees, Limits, and Processing

| Detail              | Value                                                        |
| ------------------- | ------------------------------------------------------------ |
| **Fee**             | Varies by provider - check your merchant fee schedule        |
| **Fee bearer**      | Configured in **Settings → General → Collection fee bearer** |
| **Minimum amount**  | ZMW 1.00                                                     |
| **Maximum amount**  | Limited to the source wallet's available balance             |
| **Processing time** | Near-instant, typically within 60 seconds                    |

***

## Payment Status Reference

| Status           | What It Means                                           |
| ---------------- | ------------------------------------------------------- |
| `Processed`      | Funds delivered to recipient                            |
| `Awaiting Funds` | Approved but source wallet has insufficient balance     |
| `Failed`         | Rejected by the network - funds returned to your wallet |
| `Pending`        | Awaiting authorisation from an approver                 |

***

## Troubleshooting

| Issue                           | What to Do                                                 |
| ------------------------------- | ---------------------------------------------------------- |
| Recipient not listed            | Add them via **Payments → Add Recipient**                  |
| Recipient did not receive funds | Allow up to 60 seconds, then check Recent Payments         |
| Status shows `Failed`           | Verify the number and provider, then retry                 |
| Status shows `Awaiting Funds`   | Top up the source wallet                                   |
| Payout stuck in `Pending`       | An approver must authorise in the **Pending approval** tab |

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Bank Payouts" icon="building-columns" href="/docs/guide/transfers/bank-payouts">
    Send funds directly to any Zambian commercial bank account.
  </Card>

  <Card title="Wallet-to-Wallet Transfers" icon="wallet" href="/docs/guide/transfers/wallet-to-wallet-transfers">
    Move funds between your wallets instantly and for free.
  </Card>
</CardGroup>