Available methods

List of payout methods supported by Zayono. The code field is what you pass in the operator parameter when initializing a payout.

Shared catalogue

Payouts use the same operator codes as payments. See the full list at Payments → Available methods.

A few practical differences between payments and payouts:

• Mobile Money operators generally support both flows
• Cards are not reversible → payments only, no payouts
• Bank transfers (bank_ng, bank_gh) are payout-only (no push-collect by bank transfer)
• Wallets Wave and Djamo support both payouts and payments
• Crypto: payouts only via crypto_global (Cryptomus). Coinbase Commerce is payment-only.

Mobile Money — available for payouts

The operator codes available for POST /v1/payouts/initialize are the same as for payments, provided at least one aggregator connected to your account supports payout on that method.

To check in real time which payout methods are enabled on your account:

curl https://backend.zayono.com/api/v1/operators?purpose=payout \
  -H "Authorization: Bearer zyn_test_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx"

Bank transfer (payout-only)

Distinct from Mobile Money codes, the bank_* codes let you transfer directly to a recipient's bank account. For these methods, additional fields are required in recipient:

Method	Code	Currency	Additional required fields
Bank Transfer Nigeria	bank_ng	NGN	recipient.bank_code, recipient.account_number
Bank Transfer Ghana	bank_gh	GHS	recipient.bank_code, recipient.account_number

Aggregator-side validation

The account number is checked against the issuing bank before funds are sent. If the number is invalid, the payout moves straight to failed with failure_reason: "Invalid account number".

Crypto (payout-only via Cryptomus)

Method	Code	Currency	Additional required fields
Multi-asset crypto payout	crypto_global	*	recipient.wallet_address, recipient.network (BTC, ETH, TRC20, etc.)

Best practices

• Check your Zayono account balance before each payout (GET /v1/balance)
• For high volumes, contact support to raise your limits
• Watch the payout.successful webhook to confirm funds arrived at the recipient — a pending payout is not guaranteed to complete
• Payout fees are distinct from payment fees and configurable per method in your dashboard