openapi: 3.0.3
info:
  title: Chimoney Account Payouts API
  description: 'Chimoney is a developer-first global payouts and disbursement platform with deep coverage across Africa and 130+ countries. The REST API sends money to bank accounts, mobile money wallets, airtime, gift cards, Chimoney wallets, and Interledger wallet addresses; manages multicurrency wallets and sub-accounts; supports redemption, payment collection, and informational lookups (banks, assets, exchange rates). All requests are authenticated with an API key passed in the X-API-KEY header, issued from the Chimoney developer dashboard (dash.chimoney.io/developers). A separate sandbox host is available for testing. This is a curated, representative subset of the live OpenAPI (source: https://api.chimoney.io/v0.2/swagger.json, spec version 0.2.2); paths, methods, and summaries are grounded in that document. Request-body schemas are representative and simplified for the most common endpoints - consult the official docs for the full field set.'
  version: 0.2.2
  contact:
    name: Chimoney
    url: https://chimoney.io
servers:
- url: https://api.chimoney.io
  description: Production (v0.2)
- url: https://api-v2-sandbox.chimoney.io
  description: Sandbox (v0.2)
security:
- apiKeyAuth: []
tags:
- name: Payouts
  description: Send money to banks, mobile money, airtime, gift cards, Chimoney wallets, Interac, and Interledger wallet addresses.
paths:
  /v0.2/payouts/bank:
    post:
      operationId: post_v0.2_payouts_bank
      tags:
      - Payouts
      summary: Payout to Bank in a supported Country.
      description: Payout to Bank in a supported Country.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                  description: Subaccount (wallet account) to payout from, if any.
                turnOffNotification:
                  type: boolean
                  description: Disables email and other notifications from Chimoney.
                debitCurrency:
                  type: string
                  description: Wallet currency to debit from.
                  example: CAD
                banks:
                  type: array
                  description: Bank payout instructions.
                  items:
                    type: object
                    properties:
                      countryToSend:
                        type: string
                        example: Nigeria
                      account_bank:
                        type: string
                        description: Bank code.
                        example: '044'
                      account_number:
                        type: string
                        example: 0690000031
                      valueInUSD:
                        type: number
                        example: 10
                      reference:
                        type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/mobile-money:
    post:
      operationId: post_v0.2_payouts_mobile-money
      tags:
      - Payouts
      summary: Payout Mobile Money (Momo).
      description: Payout Mobile Money (Momo).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                momos:
                  type: array
                  description: Mobile money payout instructions.
                  items:
                    type: object
                    properties:
                      countryToSend:
                        type: string
                        example: Kenya
                      phoneNumber:
                        type: string
                        example: '254710102720'
                      valueInUSD:
                        type: number
                        example: 10
                      momoCode:
                        type: string
                        example: MPS
                      reference:
                        type: string
                      narration:
                        type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/airtime:
    post:
      operationId: post_v0.2_payouts_airtime
      tags:
      - Payouts
      summary: Payout Airtime to a Phone number.
      description: Payout Airtime to a Phone number.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                airtimes:
                  type: array
                  items:
                    type: object
                    properties:
                      countryToSend:
                        type: string
                        example: Nigeria
                      phoneNumber:
                        type: string
                        example: '+2348000000000'
                      valueInUSD:
                        type: number
                        example: 5
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/gift-card:
    post:
      operationId: post_v0.2_payouts_gift-card
      tags:
      - Payouts
      summary: Payout Giftcards to an email.
      description: Payout Giftcards to an email.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                giftcards:
                  type: array
                  description: Gift card payout instructions.
                  items:
                    type: object
                    properties:
                      email:
                        type: string
                        example: test@example.com
                      valueInUSD:
                        type: number
                        example: 10
                      redeemData:
                        type: object
                        description: Gift card brand/product selection.
                      narration:
                        type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/chimoney:
    post:
      operationId: post_v0.2_payouts_chimoney
      tags:
      - Payouts
      summary: Payout Chimoney.
      description: Payout Chimoney.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                subAccount:
                  type: string
                turnOffNotification:
                  type: boolean
                chimoneys:
                  type: array
                  description: Chimoney payout instructions.
                  items:
                    type: object
                    properties:
                      email:
                        type: string
                        example: test@example.com
                      phone:
                        type: string
                        example: '+16471112222'
                      valueInUSD:
                        type: number
                        example: 10
                      amount:
                        type: number
                        description: Amount in specified currency. Required if currency is set.
                      currency:
                        type: string
                        description: ISO currency code.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/wallet:
    post:
      operationId: post_v0.2_payouts_wallet
      tags:
      - Payouts
      summary: Payout to a Chimoney Wallet.
      description: Payout to a Chimoney Wallet.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/interledger-wallet-address:
    post:
      operationId: post_v0.2_payouts_interledger-wallet-address
      tags:
      - Payouts
      summary: Payout to a Interledger Wallet Address.
      description: Payout to a Interledger Wallet Address.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/interac:
    post:
      operationId: post_v0.2_payouts_interac
      tags:
      - Payouts
      summary: Payout Interac.
      description: Payout Interac.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/bills/ca:
    post:
      operationId: post_v0.2_payouts_bills_ca
      tags:
      - Payouts
      summary: Payout Canadian Bill payment.
      description: Payout Canadian Bill payment.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/initiate-chimoney:
    post:
      operationId: post_v0.2_payouts_initiate-chimoney
      tags:
      - Payouts
      summary: Initiate Chimoney transaction.
      description: Initiate Chimoney transaction.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/process:
    post:
      operationId: post_v0.2_payouts_process
      tags:
      - Payouts
      summary: Debit wallet to process unpaid transaction.
      description: Debit wallet to process unpaid transaction.
      requestBody:
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v0.2/payouts/status:
    post:
      operationId: post_v0.2_payouts_status
      tags:
      - Payouts
      summary: Check Payout status.
      description: Check Payout status.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - chiRef
              properties:
                chiRef:
                  type: string
                  description: Chimoney transaction reference (chiRef) to check.
                subAccount:
                  type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    StandardResponse:
      type: object
      description: Standard Chimoney response envelope.
      properties:
        status:
          type: string
          description: '"success" or "error".'
          example: success
        message:
          type: string
        data:
          description: Endpoint-specific payload.
  responses:
    Unauthorized:
      description: Missing or invalid API key.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/StandardResponse'
  securitySchemes:
    apiKeyAuth:
      type: apiKey
      in: header
      name: X-API-KEY
      description: API key issued from the Chimoney developer dashboard (https://dash.chimoney.io/developers), passed in the X-API-KEY request header.