Payin

Initiate payin

POST/api/v1/mbiyopay/payin

Requests a mobile money charge from a payer through MbiyoPay — the same underlying call buyer checkout uses, covering DRC and Rwanda.

Requires Authorization

ADMIN only

Payment

Body parameters

`amount`numberrequired	Within the supported range for the currency — see Supported countries below.
`currency`stringrequired	Must be supported by the given countryCode.
`network`stringrequired	Must be supported by the given countryCode.
`phoneNumber`stringrequired	9–15 digits — formatting characters are stripped automatically.
`countryCode`stringrequired	CD or RW.
`orderId`string	Your own reference. Auto-generated if omitted.

Possible errors

400

MBIYOPAY_PAYIN_FAILED

Le paiement a été refusé par l'opérateur mobile money.

Notes

If orderId isn't provided, one is derived deterministically from amount, currency, network, and phone number within a 5-minute window — a duplicate submission resolves to the same payin instead of charging twice.

Request

curl --request POST \
  --url https://api.swiftgoma.com/api/v1/mbiyopay/payin \
  --header 'Authorization: Bearer <access_token>' \
  --header 'Content-Type: application/json' \
  --data '{
  "amount": "<amount>",
  "currency": "<currency>",
  "network": "<network>",
  "phoneNumber": "<phoneNumber>",
  "countryCode": "<countryCode>",
  "orderId": "<orderId>"
}'

201Example response

{
  "success": true,
  "data": {
    "orderId": "SWG-IN-9f8e7d6c5b4a3210",
    "transactionId": "txn_5e6f7a8b",
    "status": "pending",
    "amount": 50,
    "currency": "USD",
    "network": "vodacom",
    "countryCode": "CD",
    "createdAt": "2026-02-15T09:00:00.000Z"
  }
}