> ## Documentation Index
> Fetch the complete documentation index at: https://docs.inflowafrica.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Supported Currencies & Payment Methods

> Comprehensive guide to supported currencies, collection channels, and payout methods across the Inflow API.

# 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.

***

# Supported Currencies

The Inflow API supports the following 17 ISO currency codes for collections and payouts:

| Currency Code | Currency Name             | Primary Region / Countries                              |
| ------------- | ------------------------- | ------------------------------------------------------- |
| **NGN**       | Nigerian Naira            | Nigeria                                                 |
| **USD**       | United States Dollar      | United States & International                           |
| **USDT**      | Tether (USDT)             | Global                                                  |
| **USDC**      | USD Coin (USDC)           | Global                                                  |
| **GBP**       | British Pound             | United Kingdom                                          |
| **EUR**       | Euro                      | Eurozone Countries                                      |
| **XOF**       | West African CFA Franc    | Côte d'Ivoire, Senegal, Benin, Burkina Faso, Mali, Togo |
| **KES**       | Kenyan Shilling           | Kenya                                                   |
| **ZMW**       | Zambian Kwacha            | Zambia                                                  |
| **UGX**       | Ugandan Shilling          | Uganda                                                  |
| **TZS**       | Tanzanian Shilling        | Tanzania                                                |
| **XAF**       | Central African CFA Franc | Cameroon, Gabon, Chad, Congo, CAR, Equatorial Guinea    |
| **RWF**       | Rwandan Franc             | Rwanda                                                  |
| **MWK**       | Malawian Kwacha           | Malawi                                                  |
| **CDF**       | Congolese Franc           | Democratic Republic of the Congo                        |
| **MZN**       | Mozambican Metical        | Mozambique                                              |
| **ETB**       | Ethiopian Birr            | Ethiopia                                                |
| **LSL**       | Lesotho Loti              | Lesotho                                                 |
| **SLL**       | Sierra Leonean Leone      | Sierra Leone                                            |

***

# Collection Methods (Inbound Payments)

Inflow supports a variety of local collection channels tailored to each market. When creating a payment request via `POST /v1/payments`, your customer is presented with the appropriate payment method for their selected currency.

| Currency                                             | Collection Method                       | Description & Provider                                                    |                                           |
| ---------------------------------------------------- | --------------------------------------- | ------------------------------------------------------------------------- | ----------------------------------------- |
| **NGN**                                              | Bank Transfer / Virtual Accounts & Card | Dedicated NGN bank accounts and debit/credit card payments.               |                                           |
| **USD, USDT, USDC**                                  | Open Banking & ACH Transfer             | Direct bank transfer and open banking authorization & GTW wallet deposit. | Supports both USD and stablecoin variants |
| **GBP**                                              | Open Banking / Faster Payments          | Instant open banking transfers.                                           |                                           |
| **EUR**                                              | Open Banking / SEPA                     | Instant open banking transfers.                                           |                                           |
| **XOF**                                              | Mobile Money                            | MTN Mobile Money, Orange Money, Moov Money, and Wave across West Africa.  |                                           |
| **KES**                                              | Mobile Money                            | M-Pesa mobile money collection.                                           |                                           |
| **ZMW**                                              | Mobile Money                            | MTN, Airtel, and Zamtel mobile money.                                     |                                           |
| **UGX, TZS, XAF, RWF, MWK, CDF, MZN, ETB, LSL, SLL** | Mobile Money                            | Regional mobile money operators.                                          |                                           |

<Tip>
  **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.
</Tip>

***

# Payout Methods (Outbound Disbursals)

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

| Payout `accountType` | Supported Currencies                                                                      | Required Fields                                                                           | Settlement Speed                                              |
| -------------------- | ----------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------- | ------------------------------------------------------------- |
| **`bank_account`**   | `NGN`, `USD`, `GBP`, `EUR`                                                                | `accountNumber`, `bankCode` (NGN), `routingNumber` (USD), `iban` (EUR/GBP)                | Instant for NGN; Same-day / 1-2 business days for USD/GBP/EUR |
| **`mobile_money`**   | `XOF`, `KES`, `ZMW`, `UGX`, `TZS`, `XAF`, `RWF`, `MWK`, `CDF`, `MZN`, `ETB`, `LSL`, `SLL` | `accountNumber` (MSISDN with country code), `bankCode` (Operator code) or `institutionId` | Instant                                                       |
| **`gtw_wallet`**     | `USD`, `NGN`, `GBP`, `EUR`, `XOF`, `KES`, `ZMW`, etc.                                     | `accountNumber` (10-character GTW Public ID)                                              | Instant                                                       |

***

# Beneficiary Account Types & Payload Examples

### 1. Bank Account (`accountType: "bank_account"`)

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

```json theme={null}
{
  "currency": "NGN",
  "accountType": "bank_account",
  "accountName": "Jane Doe",
  "accountNumber": "0123456789",
  "bankCode": "058"
}
```

### 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).

```json theme={null}
{
  "currency": "XOF",
  "accountType": "mobile_money",
  "accountName": "Amadou Diallo",
  "accountNumber": "2250503456789",
  "bankCode": "MTN_MOMO_CIV"
}
```

### 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.

```json theme={null}
{
  "currency": "USD",
  "accountType": "gtw_wallet",
  "accountName": "Jim Puzo",
  "accountNumber": "5391261181"
}
```

***

# Need Help?

If you have questions about specific currency corridors or high-volume custom rates, contact our support team at [support@inflowpay.net](mailto:support@inflowpay.net) or check out the [Payouts Guide](/guides/wallets-and-withdrawals).