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

​
Methods per currency

​
MOBILE: KES, GHS, UGX

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

​
BUY_GOODS: KES tills

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

​
PAYBILL: KES paybills

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

​
BANK_TRANSFER: KES banks

​
string
required
Bank account number.
​
string
required
Kenyan bank code.
​
string
Display name for the bank. Optional.

​
NGN bank transfer

NGN recipients have no method field. All NGN payouts are bank transfers.
​
string
required
The recipient bank’s institution code (bank_code is accepted as an alias). For example GTBINGLA for Guaranty Trust Bank, or OPAYNGPC for OPay.Fetch the full list of 171 codes from GET /api/offramp/institutions and populate a picker from it. The codes are not derivable from a bank’s name, and a wrong one fails at order creation.
​
string
required
NUBAN account number.

​
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.