PayDunya Disbursement API
★ Only Publicly Available OpenAPI DocumentFintechPaymentsAPI Key3 EndpointsREST
For Agents
Automate money transfers to mobile money accounts and digital wallets in West Africa. Create disbursement tokens, submit payout requests, and track transaction status across Orange Money, MTN, Wave, Moov, and PayDunya wallets.
Use for: Send money to a mobile money account in Senegal or Benin, Process bulk payouts to multiple recipients via mobile wallets, Automate salary disbursements to employees using Orange Money or Wave, Refund a customer to their MTN Mobile Money account
Not supported: Handles only money disbursement (sending money out). Does not cover payment collection, invoicing, subscription management, or merchant payment processing. For receiving payments, use PayDunya's separate payment collection API.
Send money programmatically to customers via mobile money and digital wallet services across West Africa. PayDunya's Disbursement API enables businesses to automate payouts through Orange Money, Wave, MTN Mobile Money, Moov, Free Money, and PayDunya wallet accounts in Senegal and Benin. The API handles three-step disbursement flow: initiate a token, submit for processing, and check transaction status. Designed for use cases like vendor payments, salary disbursements, refunds, and marketplace payouts in XOF currency.
Install Jentic One Beta
Connect the PayDunya Disbursement API to your agent
Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the PayDunya Disbursement API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.
Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.
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Step 1: Jentic One Host machine
# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh2
Step 2: Agent machine
# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register # connects your agent to your Jentic One instanceJentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.
Capabilities
What an agent can do with PayDunya Disbursement API.
Initiate disbursement tokens for money transfers to mobile wallets and PayDunya accounts
Submit disbursement requests to process payouts in XOF currency
Check real-time status of disbursement transactions (created, pending, success, failed)
Send money via Orange Money Senegal and Benin mobile money networks
Disburse to Wave Senegal digital wallet accounts
Process payouts through MTN Mobile Money Benin and Moov Benin
Transfer funds to Free Money Senegal and PayDunya wallet users
Specify merchant debit account for transaction sourcing
Register callback URLs for asynchronous transaction status notifications
Use Cases
Patterns agents use PayDunya Disbursement API for, with concrete tasks.
★ Automated Marketplace Seller Payouts
E-commerce platforms and marketplaces operating in West Africa can automate seller payouts directly to mobile money accounts. Instead of manual bank transfers or cash pickup, disburse earnings to vendors via their preferred mobile wallet (Orange Money, Wave, MTN). The API handles the three-step flow: generate a token, submit for processing, and poll status until completion. Ideal for gig economy platforms, ride-sharing services, and multi-vendor marketplaces.
For each seller in the payout batch, initiate a disbursement token with their Wave account number and payout amount, submit the disbursement, and check status every 30 seconds until success or failure
Salary and Wage Disbursements
Businesses with employees in Senegal or Benin can pay salaries directly to mobile money accounts, eliminating the need for traditional bank infrastructure. Employees receive funds instantly in their Orange Money, MTN, or Wave wallets. The callback URL feature enables real-time notifications when payroll disbursements complete. Supports specifying a merchant debit account for proper accounting segregation.
Create a payroll run by initiating disbursement tokens for all employees, submit each with the company's debit account specified, register a webhook callback URL, and send email confirmations when the callback indicates successful payment
Customer Refunds and Cashback
E-commerce and service businesses can instantly refund customers to their mobile money accounts when orders are canceled or services fail. Instead of waiting days for bank reversals, customers receive refunds in their mobile wallets within minutes. The status-checking endpoint allows tracking refund delivery for customer service purposes. Works across all supported providers: Orange Money, Wave, MTN, Moov, Free Money, and PayDunya wallets.
When a refund is requested, initiate a disbursement token with the customer's original mobile money number and refund amount, submit the disbursement, check status until success, and update the order management system with the refund transaction ID
Insurance Claims and Benefit Payouts
Insurance companies, microfinance institutions, and social benefit programs can disburse claims and benefits directly to mobile money accounts of policyholders and beneficiaries in West Africa. This eliminates the need for physical check delivery or cash pickup points, especially valuable in rural areas with limited banking infrastructure. Callback URLs enable audit trail integration with claims management systems.
For each approved claim, initiate a disbursement token with the beneficiary's registered mobile money account, submit with the claim reference as disburse_id for tracking, monitor status via polling, and log the final transaction ID in the claims database
AI Agent-Driven Payout Orchestration via Jentic
AI agents can orchestrate complex multi-recipient disbursement workflows through Jentic's credential isolation and schema discovery layer. Agents dynamically determine the appropriate mobile money provider based on recipient location and preferences, handle the three-step token flow, implement retry logic for failed transactions, and maintain audit logs. Jentic abstracts away API key management and ensures secure execution of financial operations.
Use Jentic to search for 'send money to mobile wallet in Senegal', load the PayDunya disbursement schemas, execute the token initiation for multiple recipients in parallel, submit each disbursement with proper error handling, poll status with exponential backoff, and return a summary of successful and failed transactions
Key Endpoints
3 endpoints — send money programmatically to customers via mobile money and digital wallet services across west africa.
METHOD
PATH
DESCRIPTION
POST
/disburse/get-invoice
Initiate a disbursement token
POST
/disburse/submit-invoice
Submit a disbursement for processing
POST
/disburse/check-status
Check disbursement transaction status
POST
/disburse/get-invoice
Initiate a disbursement token
POST
/disburse/submit-invoice
Submit a disbursement for processing
POST
/disburse/check-status
Check disbursement transaction status
Why Jentic?
Three things that make agents converge on Jentic-routed access.
Credential isolation
PayDunya API credentials (Master Key, Private Key, Token) are stored encrypted in the Jentic vault. Agents receive scoped access tokens for disbursement operations without exposing raw API keys in their context.
Intent-based discovery
Agents search by intent (e.g., 'send money to Orange Money Senegal') and Jentic returns the matching disbursement operation schemas, enabling the agent to execute the three-step flow without manual API documentation lookup.
Time to first call
Direct PayDunya integration: 2-3 days for authentication setup, understanding the token flow, handling callbacks, and testing across multiple mobile money providers. Through Jentic: under 45 minutes — search, load schemas, execute disbursements with credential isolation.
Related APIs
Alternatives and complements available in the Jentic catalogue.
Complementary
Orange Money API
Orange Money's direct API provides merchant payment collection and wallet operations for Orange Money accounts
Orange Money API handles payment collection from customers. PayDunya handles disbursement to customers. Use both together for complete payment flow in Senegal: collect with Orange Money, disburse with PayDunya.
FAQs
Specific to using PayDunya Disbursement API through Jentic.
What authentication does the PayDunya Disbursement API use?
PayDunya uses API Key authentication with three required headers: PAYDUNYA-MASTER-KEY, PAYDUNYA-PRIVATE-KEY, and PAYDUNYA-TOKEN. These credentials are provided in your PayDunya merchant dashboard. Jentic stores all three keys encrypted in the credential vault and provides scoped access to agents, ensuring raw API keys never appear in agent context. Get started at https://app.jentic.com/sign-up.
What countries and mobile money providers does PayDunya support?
PayDunya currently supports Senegal and Benin. Supported mobile money and wallet providers include: Orange Money (Senegal), Wave (Senegal), Free Money (Senegal), MTN Mobile Money (Benin), Moov (Benin), and PayDunya wallet accounts. All transactions are processed in XOF (West African CFA franc) currency.
How does the PayDunya disbursement flow work?
PayDunya uses a three-step process: (1) Call POST /disburse/get-invoice with recipient details, amount, and payment method to receive a disburse_token. (2) Call POST /disburse/submit-invoice with the token to submit for processing. (3) Call POST /disburse/check-status with the token to check transaction status (created, pending, success, or failed). You can also specify a callback_url in step 1 to receive asynchronous notifications.
What are the transaction limits for PayDunya disbursements?
The OpenAPI spec does not specify transaction limits. Consult the PayDunya merchant dashboard or contact PayDunya support at https://paydunya.com for current limits by account tier and mobile money provider. Limits may vary by withdrawal mode and verification level.
Can I specify which merchant account to debit for disbursements?
Yes. Use the optional debit_account_number field in the POST /disburse/get-invoice request. The format is BBJXXXXXXXXXX. This allows you to segregate disbursements by business unit or campaign when you have multiple merchant accounts configured in PayDunya.
How do I handle failed disbursements?
Use POST /disburse/check-status to poll the transaction status. If the status returns 'failed', the response typically includes an error code. Common failure reasons include insufficient merchant balance, invalid recipient account, or temporary mobile money provider unavailability. Implement retry logic with exponential backoff for transient errors, and notify recipients for permanent failures like invalid account numbers.
How do AI agents use the PayDunya API through Jentic?
Agents search Jentic for intents like 'send money to Orange Money in Senegal' or 'automate payouts to Wave'. Jentic returns the relevant PayDunya disbursement operations (token creation, submission, status check) with their schemas. The agent executes the three-step flow via Jentic's execution layer, which handles credential management and API request formatting. Integration time drops from days to under an hour. Start at https://app.jentic.com/sign-up.
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