API documentation, Payouts

Send money
anywhere.

Pay out from your Waychit balance to Wave, Afrimoney, QMoney, Yonna, APS or any bank account with one call.

Get your API keys Payment API documentation

Base URL

https://api.waychit.com

Currency

Whole GMD amounts only.

Balance debit

amount + fee = totalDebit

Endpoints at a glance

http

POST /v1/payouts
GET  /v1/payouts/:id
GET  /v1/payouts?clientReference=

Create the payout, store data.id, then follow data.status with a lookup or a webhook.

Authentication

Use your merchant API key with the payouts scope.

http

Authorization: Bearer <api_key>

Important: Call this API from your own servers only. Never expose the key in client-side code. Every payout moves real funds.

Channels

channel	Recipient	destination
`wave`	Wave mobile wallet	`phoneNumber, name?`
`afrimoney`	Afrimoney mobile wallet	`phoneNumber, name?`
`qmoney`	QMoney mobile wallet	`phoneNumber, name?`
`yonna`	Yonna wallet	`phoneNumber, name?`
`aps`	APS wallet	`phoneNumber, name?`
`bank`	Bank account	`accountNumber, name?`

phoneNumber is +220 followed by 7 or 9 digits.

API Endpoints

POST/v1/payouts

Send GMD to a wallet or bank account. Returns 201 on the first create and 200 when the same key and body are sent again.

bash

curl --location 'https://api.waychit.com/v1/payouts' \
--header 'Authorization: Bearer {{api_key}}' \
--header 'Content-Type: application/json' \
--header 'Idempotency-Key: payout-42' \
--data '{
  "channel": "wave",
  "amount": 500,
  "destination": {
    "phoneNumber": "+220877700011",
    "name": "Fatou Ceesay"
  },
  "clientReference": "payout-42",
  "reason": "refund"
}'

Headers

Key	Type	Description	Required
Idempotency-Key	string	1 to 255 characters, no control characters. Same key and body return the original payout. A different body returns 409.	Yes

Body parameters

Key	Type	Description	Required
channel	string	One of the channels above	Yes
amount	integer	Positive whole GMD	Yes
destination	object	Fields depend on channel, see the channels table	Yes
clientReference	string	Your id for this payout. Unique per merchant when set	No
reason	string	Max 40 characters. Returned on the payout	No
metadata	object	Up to 20 keys. Not returned	No

Response, status 201

json

{
  "success": true,
  "message": "Payout created successfully.",
  "data": {
    "id": "643...",
    "channel": "wave",
    "amount": 500,
    "fee": 8,
    "totalDebit": 508,
    "currency": "GMD",
    "status": "succeeded",
    "clientReference": "payout-42",
    "reason": "refund",
    "destination": {
      "recipientName": "Fatou Ceesay",
      "phoneNumber": "+220877700011"
    },
    "createdAt": "2026-09-27T00:00:00.000Z",
    "completedAt": "2026-09-27T00:00:01.000Z",
    "refundedAt": null
  }
}

Returned attributes

Key	Type	Description
id	string	Waychit payout id. Store it
status	string	pending, processing, succeeded, failed, or reversed
fee / totalDebit	number	totalDebit is amount + fee
destination	object	recipientName plus phoneNumber, or accountNumber for bank
completedAt	string \| null	Set when the recipient was paid
refundedAt	string \| null	Set when the debit was returned

Idempotency: send Idempotency-Key on every create. Use a new key for a new payout and reuse the same key to safely retry it.

Payout Statuses

pending

Debited. The payout has not finished.

processing

Debited. The payout is still in progress.

succeeded

The recipient was paid. completedAt is set.

failed

The payout failed. totalDebit is refunded once.

reversed

The payout was reversed. totalDebit is refunded once.

refundedAt is set when the debit has been returned. While the status is pending or processing, poll the lookup or wait for a webhook.

Webhooks

payout.succeeded

Status succeeded

payout.failed

Status failed

payout.reversed

Status reversed

json

{
  "id": "payout.succeeded:643...",
  "type": "payout.succeeded",
  "data": { "id": "643...", "status": "succeeded", "totalDebit": 508 }
}

The body is { id, type, data }, where data is the payout object. The id stays the same for a payout and event, so a repeat delivery can be ignored.

Error Handling

400

Invalid key or body, amount out of range, duplicate clientReference, or insufficient balance.

401

Missing or invalid API key.

403

The API key does not have the payouts scope.

404

Payout not found.

409

Idempotency key reused with a different body.

429

Rate limited.

Changelog

2026-10-25

Payouts to Wave, Afrimoney, QMoney, Yonna, APS, and bank accounts.

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