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Overview

Inflow enables seamless multi-currency financial operations across Africa, North America, the United Kingdom, and Europe. You can collect payments from your customers via their preferred local channels and disburse funds to bank accounts, mobile money wallets, or internal GTW wallets.

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Supported Currencies

The Inflow API supports the following currencies for collections and payouts:

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Collection Methods (Inbound Payments)

Inflow supports a variety of local collection channels tailored to each market. Call GET /v1/payments/payment-methods?currency={ISO_CODE} to discover the current options, then pass one or more returned IDs in the paymentMethods array when creating a payment request with POST /v1/payments. The hosted checkout shows only the selected methods. The organization-facing method IDs are:
  • bank_transfer
  • card
  • crypto
  • mobile_money

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Crypto collections

A crypto collection provisions one USDC deposit address per blockchain network. Gravv supports USDC funding and withdrawals only; the hosted checkout lets the payer choose a USDC network. Creating a payment with crypto preselected returns walletAddresses — every provisioned deposit address, each carrying stablecoins: ["USDC"]. The top-level walletAddress and network fields name only the first address in the list.
Only send USDC to a returned address on its indicated network. Funds sent using another asset or network may be unrecoverable. Integrations rendering their own crypto UI must enforce this constraint.
Availability is currency- and provider-specific. Do not hardcode the table above into an integration; use the payment-method discovery endpoint so validation and checkout remain aligned with the platform configuration.
Same-Currency Settlement: Same-currency collections (e.g. NGN → NGN, ZMW → ZMW) settle immediately into your organization’s withdrawable wallet balance, firing both payment.executed and payment.settled webhooks.

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Payout Methods (Outbound Disbursals)

When adding a payout beneficiary (POST /v1/payout-accounts), set the accountType field to specify the payout delivery channel.

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Beneficiary Account Types & Payload Examples

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1. Bank Account (accountType: "bank_account")

Used for traditional commercial bank transfers in Nigeria, North America, the UK, and Europe.

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2. Mobile Money (accountType: "mobile_money")

Used for mobile money disbursements in Francophone West Africa, East Africa, and Southern Africa. Phone numbers must be in full international format (MSISDN).

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3. Global Travel Wallet (accountType: "gtw_wallet")

Used for instant internal transfers to Global Travel Wallet recipients. Provide the beneficiary’s 10-character alphanumeric GTW Public ID in accountNumber. No bank routing numbers or operator codes are required.

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Need Help?

If you have questions about specific currency corridors or high-volume custom rates, contact our support team at support@inflowpay.net or check out the Payouts Guide.