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Every order and quote carries a recipient object. Its required fields depend on the payout currency and method.

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Methods per currency

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MOBILE: KES, GHS, UGX

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account_name
string
required
Recipient’s name as you know it. Used on the payout record.
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phone
string
required
Local format 0XXXXXXXXX. International formats (+254712345678, 254712345678) are accepted and normalised.
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mobile_network
string
required
The recipient’s mobile money network:

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BUY_GOODS: KES tills

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till
string
required
M-Pesa till number, 5–7 digits.

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PAYBILL: KES paybills

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paybill
string
required
Paybill business number, 5–7 digits.
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paybill_account
string
required
The account reference the paybill expects (meter number, invoice, phone, etc.).

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BANK_TRANSFER: KES banks

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account_number
string
required
Bank account number.
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bank_code
string
required
Kenyan bank code.
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bank_name
string
Display name for the bank. Optional.

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NGN bank transfer

NGN recipients have no method field. All NGN payouts are bank transfers.
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institution
string
required
The recipient bank’s institution code (bank_code is accepted as an alias). For example GTBINGLA for GTBank.
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account_number
string
required
NUBAN account number.

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Validation

Minisend validates every recipient before creating an order. An invalid account returns 422 and nothing is created.
  • Bank accounts (KES and NGN) are hard-validated: the account must exist and resolve to a registered name.
  • Mobile, till, and paybill lookups are best-effort: the registered name is returned when available, but a missing name does not block the order.
Use POST /api/offramp/validate-account to check an account and show the registered name on a confirmation screen before creating the order.