Developer Docs

Initiate Airtime to Cash

Airtime to cash lets your users collect airtime from a customer and settle them however they choose.

This is a two-step flow. First initiate the request with this endpoint to send an OTP to the sender's phone number. Then confirm the OTP using the Complete endpoint to move the airtime.

Amount limits & splitting

Each network caps how much airtime can be shared per request and per day. Amounts above the per-request cap are automatically split into several shares, up to the daily cap, so a single request can move more than the per-request limit. Requests above what the sender can still share today are rejected, and the sender's SIM must hold enough airtime to cover the amount.

Next step

An OTP is sent to the sender's phone number. Use the returned reference to confirm the OTP via the Complete endpoint, or request a new one via Resend OTP.

Body

{
    "request_ref": "Request Ref",
    "phone": "Phone Number",
    "product_id": "Product ID/CODE",
    "amount": "Amount",
    "sharePin": "Airtime share PIN"
}

Parameters

request_ref Your unique Request Ref (Optional)
phone Sender MTN phone number that holds the airtime
product_id Product id/code gotten from Category List here
amount Airtime amount to collect. Amounts above the network's per-request share cap are automatically split into multiple shares, up to the daily limit. Requests above the remaining daily limit are rejected.
sharePin The sender's MTN airtime share PIN

Sample Response

{
    "status": "ok",
    "message": "OTP sent successfully.",
    "data": {
        "transaction": {
            "reference": "9bdbe400-76da-4d12-bccc-90d040704dc8",
            "request_ref": "pZxmX4qjpOLRCx8d6jRc",
            "type": "MTN Airtime to Cash",
            "details": "-",
            "amount": "2000.00",
            "status": "pending",
            "request_data": {
                "phone": "08134679853",
                "product_id": "mtn",
                "amount": 2000,
                "sharePin": "1234",
                "request_ref": "pZxmX4qjpOLRCx8d6jRc"
            },
            "created_at": "2024-04-21T08:14:13.000000Z",
            "updated_at": "2024-04-21T08:14:13.000000Z"
        }
    }
}