Skip to main content

​
Payouts

Mavapay allows you to send money to bank accounts and mobile money accounts in supported countries using Bitcoin Lightning Network. We currently support payouts to:
  1. Nigerian Naira (NGN)
  2. South African Rand (ZAR)
  3. Kenyan Shilling (KES)
  4. Ghanaian Cedi (GHS)

​
Overview

The payout process generally involves:
  1. Creating a quote for the amount you want to pay out
  2. Paying the generated lightning invoice or settling from an internal wallet
  3. Receiving webhook notifications for payment status
You can fund a fiat payout from Bitcoin (Lightning), USDT, or an internal NGN wallet. To pay from USDT, set sourceCurrency to USDTCENT, sourceWallet to USDT, and settlementCurrency to USDT, then accept the quote. See Prefunded Quote.

​
Currency-Specific Requirements

​
Nigerian Naira (NGN)

  • Amounts are denominated in Kobo (1 NGN = 100 Kobo)
  • Minimum payout amount: 2000 NGN
  • Requires bank account validation before payout
  • Supports customer internal fees
  • View NGN Payout Documentation

​
South African Rand (ZAR)

  • Amounts are denominated in cents (1 ZAR = 100 cents)
  • No bank account validation required
  • Customer internal fees currently disabled
  • View ZAR Payout Documentation

​
Kenyan Shilling (KES)

  • Amounts are denominated in cents (1 KES = 100 cents)
  • Pay-to-phone supports M-Pesa and Airtel Mobile Money (requires network field)
  • Supports three payment modes:
    1. Mobile Money (pay to phone number — M-Pesa or Airtel)
    2. Pay to Bill (M-Pesa business payments)
    3. Pay to Account/Till (M-Pesa)
  • View KES Payout Documentation

​
Ghanaian Cedi (GHS)

  • Amounts are denominated in pesewa (1 GHS = 100 pesewa)
  • MTN Mobile Money is currently the only supported payout rail
  • Beneficiary identifier type must be MTN
  • View GHS Payout Documentation

​
Webhook Events

For all payouts, you’ll receive two webhook events:
  1. payment.received - When we receive the lightning payment
  2. payment.sent - When the money is sent to the recipient
For detailed webhook implementation, see our webhook documentation.

​
Testing

Use our staging environment for testing:
Note: All test environment invoices are signet invoices.

​
Support

If you need help with integration: