Chimoney Payouts API

openapi: 3.0.3
info:
  title: Chimoney API
  description: 'Chimoney is a developer-first global payouts and disbursement platform with deep coverage
    across Africa and 130+ countries. The REST API sends money to bank accounts, mobile money wallets,
    airtime, gift cards, Chimoney wallets, and Interledger wallet addresses; manages multicurrency wallets
    and sub-accounts; supports redemption, payment collection, and informational lookups (banks, assets,
    exchange rates). All requests are authenticated with an API key passed in the X-API-KEY header, issued
    from the Chimoney developer dashboard (dash.chimoney.io/developers). A separate sandbox host is available
    for testing. This is a curated, representative subset of the live OpenAPI (source: https://api.chimoney.io/v0.2/swagger.json,
    spec version 0.2.2); paths, methods, and summaries are grounded in that document. Request-body schemas
    are representative and simplified for the most common endpoints - consult the official docs for the
    full field set.'
  version: 0.2.2
  contact:
    name: Chimoney
    url: https://chimoney.io
servers:
- url: https://api.chimoney.io
  description: Production (v0.2)
- url: https://api-v2-sandbox.chimoney.io
  description: Sandbox (v0.2)
security:
- apiKeyAuth: []
tags:
- name: Payouts
  description: Send money to banks, mobile money, airtime, gift cards, Chimoney wallets, Interac, and
    Interledger wallet addresses.
- name: Interledger
  description: ''
- name: Wallet
  description: List, look up, and transfer between Chimoney wallets.
- name: MultiCurrency Wallets
  description: Create and manage multicurrency wallets and transfer between them.
- name: SubAccount
  description: Create and manage sub-accounts (wallet accounts) and communities under your organization.
- name: Redeem
  description: Redeem issued Chimoney, airtime, gift cards, and mobile money.
- name: Info
  description: 'Reference lookups: supported banks, assets, exchange rates, currency conversion, and bank
    account verification.'
- name: Account
  description: Retrieve transactions, public profiles, transfer between accounts, and issue wallet addresses.
- name: Payments
  description: Initiate and verify inbound payment (collection) requests.
paths:
  /v0.2/payouts/bank:
    post:
      operationId: post_v0.2_payouts_bank
      tags:
      - Payouts
      summary: Payout to Bank in a supported Country.
      description: Payout to Bank in a supported Country.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                  description: Subaccount (wallet account) to payout from, if any.
                turnOffNotification:
                  type: boolean
                  description: Disables email and other notifications from Chimoney.
                debitCurrency:
                  type: string
                  description: Wallet currency to debit from.
                  example: CAD
                banks:
                  type: array
                  description: Bank payout instructions.
                  items:
                    type: object
                    properties:
                      countryToSend:
                        type: string
                        example: Nigeria
                      account_bank:
                        type: string
                        description: Bank code.
                        example: '044'
                      account_number:
                        type: string
                        example: 0690000031
                      valueInUSD:
                        type: number
                        example: 10
                      reference:
                        type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/mobile-money:
    post:
      operationId: post_v0.2_payouts_mobile-money
      tags:
      - Payouts
      summary: Payout Mobile Money (Momo).
      description: Payout Mobile Money (Momo).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                momos:
                  type: array
                  description: Mobile money payout instructions.
                  items:
                    type: object
                    properties:
                      countryToSend:
                        type: string
                        example: Kenya
                      phoneNumber:
                        type: string
                        example: '254710102720'
                      valueInUSD:
                        type: number
                        example: 10
                      momoCode:
                        type: string
                        example: MPS
                      reference:
                        type: string
                      narration:
                        type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/airtime:
    post:
      operationId: post_v0.2_payouts_airtime
      tags:
      - Payouts
      summary: Payout Airtime to a Phone number.
      description: Payout Airtime to a Phone number.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                airtimes:
                  type: array
                  items:
                    type: object
                    properties:
                      countryToSend:
                        type: string
                        example: Nigeria
                      phoneNumber:
                        type: string
                        example: '+2348000000000'
                      valueInUSD:
                        type: number
                        example: 5
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/gift-card:
    post:
      operationId: post_v0.2_payouts_gift-card
      tags:
      - Payouts
      summary: Payout Giftcards to an email.
      description: Payout Giftcards to an email.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                giftcards:
                  type: array
                  description: Gift card payout instructions.
                  items:
                    type: object
                    properties:
                      email:
                        type: string
                        example: test@example.com
                      valueInUSD:
                        type: number
                        example: 10
                      redeemData:
                        type: object
                        description: Gift card brand/product selection.
                      narration:
                        type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/chimoney:
    post:
      operationId: post_v0.2_payouts_chimoney
      tags:
      - Payouts
      summary: Payout Chimoney.
      description: Payout Chimoney.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                chimoneys:
                  type: array
                  description: Chimoney payout instructions.
                  items:
                    type: object
                    properties:
                      email:
                        type: string
                        example: test@example.com
                      phone:
                        type: string
                        example: '+16471112222'
                      valueInUSD:
                        type: number
                        example: 10
                      amount:
                        type: number
                        description: Amount in specified currency. Required if currency is set.
                      currency:
                        type: string
                        description: ISO currency code.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/wallet:
    post:
      operationId: post_v0.2_payouts_wallet
      tags:
      - Payouts
      summary: Payout to a Chimoney Wallet.
      description: Payout to a Chimoney Wallet.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/interledger-wallet-address:
    post:
      operationId: post_v0.2_payouts_interledger-wallet-address
      tags:
      - Payouts
      - Interledger
      summary: Payout to a Interledger Wallet Address.
      description: Payout to a Interledger Wallet Address.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/interac:
    post:
      operationId: post_v0.2_payouts_interac
      tags:
      - Payouts
      summary: Payout Interac.
      description: Payout Interac.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/bills/ca:
    post:
      operationId: post_v0.2_payouts_bills_ca
      tags:
      - Payouts
      summary: Payout Canadian Bill payment.
      description: Payout Canadian Bill payment.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/initiate-chimoney:
    post:
      operationId: post_v0.2_payouts_initiate-chimoney
      tags:
      - Payouts
      summary: Initiate Chimoney transaction.
      description: Initiate Chimoney transaction.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/process:
    post:
      operationId: post_v0.2_payouts_process
      tags:
      - Payouts
      summary: Debit wallet to process unpaid transaction.
      description: Debit wallet to process unpaid transaction.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/status:
    post:
      operationId: post_v0.2_payouts_status
      tags:
      - Payouts
      summary: Check Payout status.
      description: Check Payout status.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - chiRef
              properties:
                chiRef:
                  type: string
                  description: Chimoney transaction reference (chiRef) to check.
                subAccount:
                  type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/wallets/list:
    post:
      operationId: post_v0.2_wallets_list
      tags:
      - Wallet
      summary: List associated wallets.
      description: List associated wallets.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/wallets/lookup:
    post:
      operationId: post_v0.2_wallets_lookup
      tags:
      - Wallet
      summary: Get single wallet details.
      description: Get single wallet details.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - walletID
              properties:
                walletID:
                  type: string
                subAccount:
                  type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/wallets/transfer:
    post:
      operationId: post_v0.2_wallets_transfer
      tags:
      - Wallet
      summary: Transfer between wallets.
      description: Transfer between wallets.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - receiver
              - valueInUSD
              properties:
                subAccount:
                  type: string
                receiver:
                  type: string
                  description: Valid Chimoney user or organization ID.
                wallet:
                  type: string
                  description: Wallet type. One of ["chi","momo","airtime"]. Leave blank unless you understand
                    wallet types.
                  example: chi
                valueInUSD:
                  type: number
                  example: 200
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/multicurrency-wallets/create:
    post:
      operationId: post_v0.2_multicurrency-wallets_create
      tags:
      - MultiCurrency Wallets
      summary: Create a new Multicurrency Wallet.
      description: Create a new Multicurrency Wallet.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - name
              properties:
                name:
                  type: string
                  example: Mide Jones
                email:
                  type: string
                  example: user@example.com
                firstName:
                  type: string
                lastName:
                  type: string
                phoneNumber:
                  type: string
                  example: '+16471234567'
                meta:
                  type: object
                  description: Metadata to store about the account.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/multicurrency-wallets/get:
    get:
      operationId: get_v0.2_multicurrency-wallets_get
      tags:
      - MultiCurrency Wallets
      summary: Get details of an existing multicurrency wallet.
      description: Get details of an existing multicurrency wallet.
      parameters:
      - name: id
        in: query
        required: true
        description: Multicurrency wallet ID.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/multicurrency-wallets/list:
    get:
      operationId: get_v0.2_multicurrency-wallets_list
      tags:
      - MultiCurrency Wallets
      summary: Get all multicurrency wallets of an organization/account.
      description: Get all multicurrency wallets of an organization/account.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/multicurrency-wallets/update:
    post:
      operationId: post_v0.2_multicurrency-wallets_update
      tags:
      - MultiCurrency Wallets
      summary: Update a multicurrency-wallets.
      description: Update a multicurrency-wallets.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/multicurrency-wallets/transfer:
    post:
      operationId: post_v0.2_multicurrency-wallets_transfer
      tags:
      - MultiCurrency Wallets
      - Interledger
      summary: Transfer from multicurrency wallet to another wallet, an email or a phone number.
      description: Transfer from multicurrency wallet to another wallet, an email or a phone number.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                walletID:
                  type: string
                receiver:
                  type: string
                  description: Destination wallet ID, email, or phone number.
                amountToSend:
                  type: number
                currency:
                  type: string
                  example: USD
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/multicurrency-wallets/transfer/quote:
    post:
      operationId: post_v0.2_multicurrency-wallets_transfer_quote
      tags:
      - MultiCurrency Wallets
      summary: Get Quote to Transfer between multicurrency wallets.
      description: Get Quote to Transfer between multicurrency wallets.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/create:
    post:
      operationId: post_v0.2_sub-account_create
      tags:
      - SubAccount
      - Interledger
      summary: Create a new sub-account.
      description: Create a new sub-account.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - name
              properties:
                name:
                  type: string
                  example: Mide Jones
                email:
                  type: string
                firstName:
                  type: string
                lastName:
                  type: string
                phoneNumber:
                  type: string
                  example: '+16471234567'
                meta:
                  type: object
                id:
                  type: string
                  description: Optional valid UUID for the user.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/get:
    get:
      operationId: get_v0.2_sub-account_get
      tags:
      - SubAccount
      summary: Get details of an existing sub account.
      description: Get details of an existing sub account.
      parameters:
      - name: id
        in: query
        required: true
        description: Sub account ID.
        schema:
          type: string
      - name: communityID
        in: query
        required: false
        description: Community ID.
        schema:
          type: integer
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/list:
    get:
      operationId: get_v0.2_sub-account_list
      tags:
      - SubAccount
      summary: Get all sub-accounts associated with a user.
      description: Get all sub-accounts associated with a user.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/update:
    post:
      operationId: post_v0.2_sub-account_update
      tags:
      - SubAccount
      summary: Update a sub-account.
      description: Update a sub-account.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/delete:
    delete:
      operationId: delete_v0.2_sub-account_delete
      tags:
      - SubAccount
      summary: Delete an existing sub-account.
      description: Delete an existing sub-account.
      parameters:
      - name: id
        in: query
        required: true
        description: Sub account ID.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/community/create:
    post:
      operationId: post_v0.2_sub-account_community_create
      tags:
      - SubAccount
      summary: Create a sub-account community associated with a user.
      description: Create a sub-account community associated with a user.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/sub-account/community/members:
    get:
      operationId: get_v0.2_sub-account_community_members
      tags:
      - SubAccount
      summary: Get community members .
      description: Get community members .
      parameters:
      - name: communityID
        in: query
        required: false
        description: Community ID
        schema:
          type: integer
      - name: limit
        in: query
        required: false
        description: maximum number of users to return - default is 50
        schema:
          type: integer
      - name: startAfterId
        in: query
        required: false
        description: ID of the last User Data retrieved - important for retrieivng subsequent pages
        schema:
          type: string
      - name: startBeforeId
        in: query
        required: false
        description: ID of the first User Data retrieved - important for retrieivng previous pages
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/redeem/any:
    post:
      operationId: post_v0.2_redeem_any
      tags:
      - Redeem
      summary: Redeem any.
      description: Redeem any.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/redeem/chimoney:
    post:
      operationId: post_v0.2_redeem_chimoney
      tags:
      - Redeem
      summary: Redeem Chimoney.
      description: Redeem Chimoney.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - chiRef
              properties:
                chiRef:
                  type: string
                  description: Chimoney reference to redeem.
                subAccount:
                  type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/redeem/airtime:
    post:
      operationId: post_v0.2_redeem_airtime
      tags:
      - Redeem
      summary: Redeem airtime.
      description: Redeem airtime.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/redeem/gift-card:
    post:
      operationId: post_v0.2_redeem_gift-card
      tags:
      - Redeem
      summary: Redeem giftcard.
      description: Redeem giftcard.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/redeem/mobile-money:
    post:
      operationId: post_v0.2_redeem_mobile-money
      tags:
      - Redeem
      summary: Redeem mobile money.
      description: Redeem mobile money.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/info/assets:
    get:
      operationId: get_v0.2_info_assets
      tags:
      - Info
      summary: Get list of all assests.
      description: Get list of all assests.
      parameters:
      - name: countryCode
        in: query
        required: false
        description: Country code symbol e.g NG, US, GH.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/info/country-banks:
    get:
      operationId: get_v0.2_info_country-banks
      tags:
      - Info
      summary: Get list of Supported banks and bank code.
      description: Get list of Supported banks and bank code.
      parameters:
      - name: countryCode
        in: query
        required: true
        description: Country code symbol e.g NG, US, GH.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/c

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