> ## Documentation Index
> Fetch the complete documentation index at: https://docs.minisend.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Recipients

> The recipient object shape for every payout method: M-Pesa and mobile money numbers, Kenyan tills and paybills, and bank accounts in Kenya and Nigeria.

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

## Methods per currency

| Currency | Methods                                                  |
| -------- | -------------------------------------------------------- |
| KES      | `MOBILE`, `BUY_GOODS` (till), `PAYBILL`, `BANK_TRANSFER` |
| GHS      | `MOBILE`                                                 |
| UGX      | `MOBILE`                                                 |
| NGN      | Bank transfer (no `method` field, see below)             |

## MOBILE: KES, GHS, UGX

```json theme={null}
{
  "method": "MOBILE",
  "account_name": "Jane Wanjiku",
  "phone": "0712345678",
  "mobile_network": "Safaricom"
}
```

<ParamField body="account_name" type="string" required>
  Recipient's name as you know it. Used on the payout record.
</ParamField>

<ParamField body="phone" type="string" required>
  Local format `0XXXXXXXXX`. International formats (`+254712345678`, `254712345678`) are accepted and normalised.
</ParamField>

<ParamField body="mobile_network" type="string" required>
  The recipient's mobile money network:

  | Currency | Networks                                           |
  | -------- | -------------------------------------------------- |
  | KES      | `Safaricom` (alias: `m-pesa`), `Airtel`            |
  | GHS      | `MTN`, `Vodafone` (alias: `Telecel`), `AirtelTigo` |
  | UGX      | `MTN`, `Airtel`                                    |
</ParamField>

## BUY\_GOODS: KES tills

```json theme={null}
{
  "method": "BUY_GOODS",
  "account_name": "Mama Njeri Shop",
  "till": "832909"
}
```

<ParamField body="till" type="string" required>
  M-Pesa till number, 5–7 digits.
</ParamField>

## PAYBILL: KES paybills

```json theme={null}
{
  "method": "PAYBILL",
  "account_name": "Nairobi Water",
  "paybill": "888880",
  "paybill_account": "254712345678"
}
```

<ParamField body="paybill" type="string" required>
  Paybill business number, 5–7 digits.
</ParamField>

<ParamField body="paybill_account" type="string" required>
  The account reference the paybill expects (meter number, invoice, phone, etc.).
</ParamField>

## BANK\_TRANSFER: KES banks

```json theme={null}
{
  "method": "BANK_TRANSFER",
  "account_name": "Acme Supplies Ltd",
  "account_number": "0102030405060",
  "bank_code": "68",
  "bank_name": "Equity Bank"
}
```

<ParamField body="account_number" type="string" required>
  Bank account number.
</ParamField>

<ParamField body="bank_code" type="string" required>
  Kenyan bank code.
</ParamField>

<ParamField body="bank_name" type="string">
  Display name for the bank. Optional.
</ParamField>

## NGN bank transfer

NGN recipients have no `method` field. All NGN payouts are bank transfers.

```json theme={null}
{
  "account_name": "Chidi Okafor",
  "institution": "GTBINGLA",
  "account_number": "0123456789"
}
```

<ParamField body="institution" type="string" required>
  The recipient bank's institution code (`bank_code` is accepted as an alias). For example `GTBINGLA` for GTBank.
</ParamField>

<ParamField body="account_number" type="string" required>
  NUBAN account number.
</ParamField>

## 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`](/api-reference/offramp/validate-account) to check an account and show the registered name on a confirmation screen before creating the order.