Deposits

Initiate deposit

POST/api/v1/pawapay/deposits

Requests a mobile money charge from a payer through PawaPay — used internally for subscription billing. Buyer checkout uses MbiyoPay instead, not this endpoint.

Requires Authorization

ADMIN only

Payment

Body parameters

`amount`numberrequired	Greater than 0.
`currency`stringrequired	e.g. USD.
`country`stringrequired	ISO country code.
`provider`stringrequired	Mobile money provider code, e.g. MTN_MOMO_COD.
`payerPhoneNumber`stringrequired	Digits only, with country code, no leading +.
`customerMessage`stringrequired	4–22 alphanumeric characters — shown to the payer.
`clientReferenceId`string	Your own reference for this deposit.
`metadata`object	Up to 10 key/value entries, forwarded to PawaPay.

Notes

If depositId isn't provided, one is derived deterministically from the request's amount, currency, provider, and phone number within a 5-minute window — an accidental duplicate submission resolves to the same deposit instead of charging twice.

Request

curl --request POST \
  --url https://api.swiftgoma.com/api/v1/pawapay/deposits \
  --header 'Authorization: Bearer <access_token>' \
  --header 'Content-Type: application/json' \
  --data '{
  "amount": "<amount>",
  "currency": "<currency>",
  "country": "<country>",
  "provider": "<provider>",
  "payerPhoneNumber": "<payerPhoneNumber>",
  "customerMessage": "<customerMessage>",
  "clientReferenceId": "<clientReferenceId>",
  "metadata": {}
}'

201Example response

{
  "success": true,
  "data": {
    "depositId": "SWG-DEP-9f8e7d6c5b4a3210",
    "status": "ACCEPTED",
    "created": "2026-02-15T09:00:00.000Z"
  }
}