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Francophone Mobile Money

Learn about Mobile Money support in Francs.

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📘

Getting Started

We recommend checking out the introductory section to understand the basics of direct charge first. This guide assumes you’ve read that.


If you're collecting money in francs (XAF or XOF), your customers can pay with mobile money services.

The Process

This involves the following steps:

  1. You call our API to create a charge and pass in the customer's mobile number.
  2. Your customer completes the payment by authorizing it with their mobile money provider.

Initiating the Payment

To create a mobile money charge for a customer in a Francophone country, you'll need the customer’s valid phone_number along with the following required parameters:

  • amount
  • currency
  • email
  • country
  • network
  • tx_ref (Unique transaction reference)

You can also specify additional details, such as the customer's fullname, redirect_url, and custom meta information. For more information on each parameter and its definition, refer to the endpoint documentation.

📘

Country Codes

Only ISO 3166 Alpha-2 codes are supported as the country param. You can get a full list here. Possible values are CM (Cameroon), SN (Senegal), BF (Burkina Faso) and CI (Côte d'Ivoire).

// Install with: npm i flutterwave-node-v3

const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(
	process.env.FLW_PUBLIC_KEY,
	process.env.FLW_SECRET_KEY
);
const payload = {
	phone_number: '24709929220',
	amount: 1500,
	currency: 'XAF',
	country: 'CM',
	email: 'JoeBloggs@acme.co',
	tx_ref: this.generateTransactionReference(),
};
flw.MobileMoney.franco_phone(payload).then(console.log).catch(console.log);

// Install with: composer require flutterwavedev/flutterwave-v3

$flw = new \Flutterwave\Rave(getenv('FLW_SECRET_KEY'));
// Set `PUBLIC_KEY` as an environment variable
$mobileMoneyService = new \Flutterwave\MobileMoney();
$payload = [
    "type" => "mobile_money_franco"
    "phone_number" => '24709929220',
    "amount" => 1500,
    "currency" => 'XAF',
    "country": 'CM',
    "email" => 'JoeBloggs@acme.co',
    "tx_ref" => $this->generateTransactionReference(),
];
$response = $mobileMoneyService->mobilemoney($payload);
print_r($response);

# Install with: gem install flutterwave_sdk

require 'flutterwave_sdk'

flw = Flutterwave.new(ENV["FLW_PUBLIC_KEY"], ENV["FLW_SECRET_KEY"], ENV["FLW_ENCRYPTION_KEY"])
charge = MobileMoney.new(flw)
payload = {
    phone_number: '24709929220',
    amount: 1500,
    currency: 'XAF',
    country: 'CM',
    email: 'JoeBloggs@acme.co',
    tx_ref: generate_transaction_reference,
}
response = charge.initiate_charge payload
print response

curl --request POST \
   --url https://api.flutterwave.com/v3/charges?type=mobile_money_franco \
   --header 'Authorization: Bearer YOUR_SECRET_KEY' \
   --header 'content-type: application/json' \
   --data '{
     "phone_number": "24709929220",
     "amount": 1500,
     "currency": "XAF",
     "country": "CM",
     "email": "JoeBloggs@acme.co",
     "tx_ref": "BJUYU399fcd43"
}'

Supported networks

Flutterwave helps you charge customers across various networks. You need to specify the network in your request when initiating the mobile money charge. Here is a list of supported networks across our markets:

CountryCountry codeCurrencySupported Networks
Burkina FasoBFXOForangemoney, mobicash
CameroonCMXAFmtn, orangemoney
Côte D'IvoireCIXOFmtn, orangemoney, moov, wave
SenegalSNXOFmtn, emoney, freemoney, wave

Handling the Response

After making the request, below are the expected responses:

{
   "status":"success",
   "message":"Charge initiated",
   "data":{
      "id":2079825,
      "tx_ref":"MC-15852113s09v5050e8",
      "flw_ref":"YVOO069611620649860887",
      "device_fingerprint":"N/A",
      "amount":1500,
      "charged_amount":1500,
      "app_fee":481.5,
      "merchant_fee":0,
      "processor_response":"Transaction in progress",
      "auth_model":"AUTH",
      "currency":"XAF",
      "ip":"::ffff:10.63.255.131",
      "narration":"MerchantName",
      "status":"pending",
      "payment_type":"mobilemoneysn",
      "fraud_status":"ok",
      "charge_type":"normal",
      "created_at":"2021-05-10T12:30:57.000Z",
      "account_id":732559,
      "customer":{
         "id":843193,
         "phone_number":"237******20",
         "name":"Anonymous customer",
         "email":"user@flw.com",
         "created_at":"2021-05-10T12:30:56.000Z"
      }
   },
   "meta":{
      "authorization":{
         "mode":"callback",
         "redirect_url":null
      }
   }
}

{
   "status":"success",
   "message":"Charge initiated",
   "data":{
      "id":1413020339,
      "tx_ref":"BJUYU399fcd43-00677001",
      "flw_ref":"YMJW562781716997167",
      "device_fingerprint":"N/A",
      "amount":100,
      "charged_amount":102.5,
      "app_fee":4.5,
      "merchant_fee":0,
      "processor_response":"Transaction in progress",
      "auth_model":"AUTH",
      "currency":"XOF",
      "ip":"52.18.161.235",
      "narration":"Testing charge",
      "status":"pending",
      "payment_type":"mobilemoneysn",
      "fraud_status":"ok",
      "charge_type":"normal",
      "created_at":"2024-05-29T15:39:27.000Z",
      "account_id":1834035,
      "customer":{
         "id":887634078,
         "phone_number":"2250747837699",
         "name":"John Doe",
         "email":"john.doe@gmail.com",
         "created_at":"2024-05-29T14:21:43.000Z"
      }
   },
   "meta":{
      "authorization":{
         "mode":"redirect",
         "redirect_url":"https://flutter-orange-ci.myflutterwave.com/flw-orangeci/api/v2/page/YMJW562781716997167"
      }
   }
}

The meta.authorization.mode field indicates the type of authorization required to complete the transaction. It can be one of the following:

  • callback or
  • redirecturl

See the next section on how to complete the charge in both scenarios.

Completing the Payment

Callback

To complete the payment, the customer needs to be authorized with their mobile money provider (for instance, via a push notification from the app).

🧪

Testing Tip

In Test Mode, Francophone mobile money transactions are automatically completed after a few seconds.

Redirecturl

The customer should be redirected to the provided URL in the meta.authorization.redirect_url field to complete the payment.

When the payment is completed, we'll send you a webhook notification. Here's what the response would look like:

{
  "event": "charge.completed",
  "data": {
    "id": 2073992,
    "tx_ref": "MC-15852113s09v5050e8",
    "flw_ref": "YVOO069611620649860887",
    "device_fingerprint": "N/A",
    "amount": 1500,
    "currency": "XAF",
    "charged_amount": 1500,
    "app_fee": 481.5,
    "merchant_fee": 0,
    "processor_response": "Approved",
    "auth_model": "MOBILEMONEY",
    "ip": "::ffff:10.30.86.54",
    "narration": "MerchantName",
    "status": "successful",
    "payment_type": "mobilemoneysn",
    "created_at":"2021-05-07T09:48:13.000Z",
    "account_id": 732559,
    "meta": null,
    "customer":{
      "id": 841600,
      "name": "Anonymous Customer",
      "phone_number": "237******20",
      "email": "user@flw.com",
      "created_at":"2021-05-07T09:48:13.000Z"
    }
  }

In your webhook handler, you can then verify the payment and credit your customers with whatever they paid for. See our guide to transaction verification for details.

Updated 9 days ago