canonical: https://jentic.com/apis/eversend.co/eversend

# Eversend Money Transfer & Payments API

Jentic publishes the only available OpenAPI specification for Eversend Money Transfer & Payments API, keeping it validated and agent-ready. The Eversend API moves money across African and global markets, sending payouts to mobile money wallets and bank accounts, collecting payments via mobile money and Nigerian bank accounts, and exchanging funds between multi-currency wallets. It also manages payout beneficiaries, issues and funds virtual cards, and handles crypto addresses and transactions. Authentication uses a JWT bearer token issued from your client credentials at the token endpoint.

## For AI agents

Send cross-border payouts to mobile money and bank accounts, collect payments, exchange multi-currency wallet balances, and issue virtual cards across African and global markets. Covers quotations, beneficiaries, transactions, and crypto addresses.

## Scope

Does not handle card acquiring, in-store terminals, or lending. Use for cross-border money transfer, payouts, collections, and wallet exchange only.

## Capabilities

- Send payouts to mobile money wallets and bank accounts after locking a payout quotation
- Collect payments from customers via mobile money or Nigerian bank accounts
- Exchange funds between multi-currency wallets using a locked exchange quotation
- Issue, fund, freeze, and terminate virtual cards for cardholders
- Verify bank and Eversend account details before adding payout beneficiaries
- Track wallet balances, transaction history, and individual transaction status
- Create crypto addresses and track crypto asset transactions

## Use cases

### Agent-Driven Cross-Border Payouts

An AI agent connected through Jentic can disburse funds across African markets without a developer hand-wiring Eversend's auth. The agent fetches delivery countries and banks, creates a payout quotation to lock the rate and fees, then executes the payout to a mobile money wallet or bank account and reads back the transaction status. Jentic injects the bearer token at call time so the credential never reaches the agent.

Example prompt: Create a payout quotation to a mobile money wallet in Uganda, execute the payout, then fetch the transaction to confirm it succeeded

### Mobile Money Collections

Businesses collecting from customers in Africa can request payment directly to their Eversend wallet. The collections flow quotes the fee, then charges a customer's mobile money account or a Nigerian bank account, with the resulting transaction recorded for reconciliation. This suits marketplaces and subscription services that need to pull funds from local payment rails.

Example prompt: Request the collection fee for a mobile money charge, then collect the payment and record the transaction id

### Multi-Currency Wallet Exchange

Teams holding balances in several currencies can convert between wallets at a locked rate. The agent creates an exchange quotation for a source and destination currency, reviews the quoted rate, and executes the exchange so funds settle into the destination wallet. This keeps treasury operations scriptable without logging into a dashboard.

Example prompt: Create an exchange quotation to convert USD to KES, then execute the exchange and confirm the destination wallet balance changed

### Virtual Card Issuing

Platforms that give users spending power can provision virtual cards programmatically. The agent creates a card user, issues a virtual card, funds it from a wallet, and can freeze or terminate the card when needed. Card transactions are retrievable per card for monitoring and reconciliation.

Example prompt: Create a card user, issue a virtual card, fund it from the USD wallet, then fetch the card's transactions

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/payouts/quotation` | Create a payout quotation for mobile money or bank |
| POST | `/payouts` | Execute a payout transaction |
| POST | `/collections/momo` | Collect a payment via mobile money |
| POST | `/exchanges` | Execute a currency exchange between wallets |
| GET | `/wallets` | List all wallets and balances |
| POST | `/card/cards` | Issue a virtual card |
| GET | `/transactions` | List account transactions |

## Key resources

- **Wallets** — List wallets, read a specific wallet, and activate or deactivate wallets
- **Payouts** — Fetch delivery countries and banks, quote payouts, and execute mobile money, bank, and Eversend payouts
- **Collections** — Quote collection fees and collect via mobile money or Nigerian bank account
- **Exchanges** — Create exchange quotations and execute currency conversions between wallets
- **Beneficiaries** — Create, read, edit, and delete beneficiaries and verify bank or Eversend account details
- **Cards** — Manage card users and issue, fund, freeze, unfreeze, and terminate virtual cards
- **Transactions** — List transactions and read individual transaction status
- **Crypto** — Fetch asset chains, create crypto addresses, and list crypto transactions

## AI readiness

This API is usable in Jentic One now. Its AI-readiness score against Jentic's framework shows where it stands today and where improvements would make it even easier for agents to use.

- **Score:** 69 / 100
- **Maturity:** AI-Aware
- **Dimensions:**
  - Foundational Compliance: 99 / 100
  - Developer Experience & Jentic Compatibility: 63 / 100
  - AI-Readiness & Agent Experience: 47 / 100
  - Agent Usability: 94 / 100
  - Security: 75 / 100
  - AI Discoverability: 77 / 100
- **View full report:** https://jentic.com/apis/eversend.co/eversend/scorecard
- **How the score is calculated:** https://docs.jentic.com/reference/api-readiness-framework/overview/
- **More about the dimensions:** https://docs.jentic.com/reference/api-readiness-framework/specification/#dimensional-model-overview

### Score it yourself

Every API in the directory is allowlisted, so you can re-score it with no key required.

- **Score your own API:** https://jentic.com/scorecard.md
- **Scoring CLI agent skill:** https://github.com/jentic/jentic-api-scorecard/blob/main/skills/jentic-api-scorecard/SKILL.md

```sh
npx @jentic/api-scorecard-cli score <openapi-url>
```

## Why Jentic

- **Setup:** Wiring Eversend by hand means exchanging your clientId and clientSecret at the token endpoint for a JWT bearer token, refreshing it when it expires, and signing every payout, collection, and exchange call yourself. Through Jentic you install once, import Eversend from the API Directory, store the credential once, and your agent calls it.
- **Permission scoping:** You choose which Eversend operations the agent may call, such as creating payout quotations and reading transactions, so money-movement actions like executing a payout, running an exchange, or terminating a card are not included unless you add them. Eversend puts wallet and card ids in the URL path, for example `/wallets/{walletId}` and `/card/cards/{cardId}`, so read access can be pinned to a specific wallet or card.
- **Credential handling:** Your Eversend bearer token is stored once, encrypted, by your own Jentic One instance and injected at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'send a mobile money payout' or 'exchange currency between wallets', and Jentic returns the matching Eversend operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Flutterwave** — Pan-African payment gateway for collections, payouts, and card payments
- **Dusupay** — African payment gateway for mobile money and bank collections and payouts
- **GoCardless** — Bank debit and recurring payment collection across Europe and beyond
- **MoneyGram** — Global consumer money transfer and remittance network

## FAQ

### Why is there no official OpenAPI spec for Eversend Money Transfer & Payments API?

Eversend does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Eversend Money Transfer & Payments API via structured tooling. It is validated against the live API and kept up to date. To run it on your own infrastructure, install Jentic One from its GitHub repo.

### What authentication does the Eversend API use?

Per its OpenAPI spec, the Eversend API uses a JWT bearer token. You exchange your clientId and clientSecret at the token endpoint to obtain the token, then send it as a bearer token on subsequent calls. Through Jentic the credential is stored encrypted by your own instance and injected at call time, so it never reaches the agent.

### Is there an Eversend MCP server?

You don't need an MCP server to give your agent Eversend. Jentic connects it directly from the API Directory: import it, store your credential once, and your agent calls operations like creating a payout quotation or executing a payout on demand, without loading another server's tool definitions into its context.

### Can I limit what my agent is allowed to do with Eversend?

Yes. Write a rule that allows only the quotation and read operations, for example creating a payout quotation and listing transactions, so the agent can price and monitor transfers but cannot execute a payout, exchange, or terminate a card unless you add those operations. Because Eversend puts wallet and card ids in the URL path, read access can also be pinned to a specific wallet or card, and every call the agent makes is logged.

### Can I send mobile money payouts with the Eversend API?

Yes. First fetch the delivery countries and the delivery banks for a country, then create a payout quotation to lock the rate and fees, and execute the payout against a mobile money wallet or bank account. You can read the resulting transaction to confirm its status.

### What are the rate limits for the Eversend API?

The OpenAPI spec does not specify rate limits. Check the Eversend developer documentation at https://eversend.readme.io for current limits before running high-volume payout or collection jobs.

### How do I create a payout with the Eversend API through Jentic?

Search Jentic for 'send a mobile money payout', which returns the payout quotation and payout operations with their input schemas. The agent creates a quotation for the amount and destination, executes the payout, and reads the transaction to confirm settlement, with your stored credential injected at call time.