Introduction

We allow your customers to withdraw their funds in their local currency using their preferred payment method, including mobile money and bank transfer (View the coverage map to see which payment methods are available in each relevant country)

User journey overview

Build out a simple front end in your app to allow your customers to seamlessly withdraw their funds.

Disbursement UX & Integration Overview

A guide of the user journey steps for making a disbursement.

To get started, open the recipe below:

UI Flow Reference

This is a guide to showcase a proposed UI/UX framework that can be followed to best build out the required flows.

1. Initiates Withdraw

To begin, a customer will initiate a withdraw

2. Country selector

For cross border disbursements or disbursing to another person's account or mobile wallet, a country selector will be necessary for a customer to select between all supported countries where the recipient is based. If a customer can only disburse to their own saved account, then the country saved can be passed through to the api only.

3. Select Payment Method/ Channel

The supported and enabled payment channel of the chosen country will be shown to the customer for them to select their preferred method of payment.

4. Enter withdraw amount

Once the preferred payment channel has been selected, the customer can now enter the amount they would like to withdraw. The USD amount will be entered and the api will provide the rate conversion to the local fiat of the country selected. To show the local currency conversion on the same screen will require the calculations to be handled by partner.

The api will also provide the any relevant min and max transaction limits relevant for the transaction which can also be displayed to alert customers upfront.

5. Enter Recipient Details

It's now time to add the relevant recipients details to which the customer wants to make the withdraw. If the recipient is different to the customer, then the following input fields will be necessary for the relevant payment method/network selected:

5.1 P2P or Manual Bank Transfer

• Bank Name - A dropdown that will contain all bank networks passed through by the api

• Account holder name - A text field for the customer to enter the account holders name (the bank verification api endpoint will allow a response with the verified account holder name)

• Account number - A text field for the customer to enter the specific account number of the recipient.

• Reason for Sending - A dropdown that will contain the relevant pre-defined reasons here.

  5.2 Mobile Money

• First name - A text field for the customer to enter the first name of the recipient

• Last name - A text field for the customer to enter the last name of the recipient.

• Mobile number - A text field that contains the dialling code and number of the recipient.

• Select provider - A drop down field that will show all the supported networks passed through by the api.

• Reason for Sending - A dropdown that will contain the relevant pre-defined reasons here.

6. Review withdrawal request

This screen will show the customer all of the transactional details for their withdrawal request for them to review and confirm that it is correct. The details that you will get from the SubmitPaymentRequest endpoint will include:

6.1 P2P or Manual Bank Transfer

• Payment channel - payment method

• Payment Network - selected bank name

• Account holder name

• Account number

• Total Amount in USD

• USD/Fiat Rate

• Total Amount in Fiat

• Fee - this will need to be built in by partner if fee's or any other costs are passed on to customers for transactions.

• Total Amount Received - this calculation will need to be built in on the partner's side.

  6.2 Mobile Money

• Payment channel - payment method

• Payment Network - selected mobile network/ provider

• Mobile number - mobile number to be in format of country code and number.

• Total Amount in USD

• USD/Fiat Rate

• Total Amount in Fiat

• Fee - this will need to be built in by partner if fee's or any other costs are passed on to customers for transactions.

• Total Amount Received - this calculation will need to be built in on the partner's side.

7. Initiate withdrawal request

Once a withdrawal request has been initiated, a customer should be directed to a screen communicating that the withdrawal is being processed and include any relevant timelines to manage expectations (this is more important for manual bank transfers which can have a lead time of T+2.)

8. Receive local fiat in bank account or mobile wallet.

Confirmation screen showing customer that the payment was successful and funds were sent to recipient's mobile wallet or bank account.