Discovery API

Last updated: 2026-08-11

Discovery operations use a public key (pk_*). Start with the catalog, then request bank or operator detail only when the selected method needs it.

Get the market catalog

GET /merchant/api/v1/catalog

Auth: Public key

Returns the markets enabled for the merchant account.

{
  "markets": [
    {
      "countryCode": "GH",
      "currencyCode": "GHS",
      "methodsIn": ["mobile_money"],
      "methodsOut": ["mobile_money"]
    }
  ]
}

methodsIn and methodsOut contain lower-case discovery tokens. Payment requests use PAYMENT_METHOD_* enum values instead.

List pay-in banks

GET /merchant/api/v1/payins/banks

Auth: Public key

Query parameter	Type	Presence	Meaning
countryCode	string	Required	ISO 3166-1 alpha-2 market country
paymentMethod	string	Required	Send PAYMENT_METHOD_BANK_ACCOUNT for bank discovery
trafficVertical	enum	Optional	Traffic classification for this request; an explicit supported value takes precedence over the account default
customerSegment	enum	Optional	Customer segment used by the payment flow

{
  "banks": [
    {"code": "<bank_code>", "name": "<bank_name>"}
  ]
}

List pay-in mobile money operators

GET /merchant/api/v1/payins/mmo

Auth: Public key

Query parameter	Type	Presence	Meaning
countryCode	string	Required	ISO 3166-1 alpha-2 market country
paymentMethod	string	Required	PAYMENT_METHOD_MOBILE_MONEY or PAYMENT_METHOD_MOBILE_MONEY_TRANSFER
trafficVertical	enum	Optional	Traffic classification for this request; an explicit supported value takes precedence over the account default
customerSegment	enum	Optional	Customer segment used by the payment flow

{
  "operators": [
    {"operator": "<operator_code>", "name": "<operator_name>"}
  ]
}

Treat operators[].operator as an opaque public code and reuse it exactly as returned. For standard mobile money it selects a wallet operator. For mobile money transfer it selects the inbound transfer rail.

Outcomes

Bank and operator discovery can return INVALID_ARGUMENT when a required query parameter is missing or the selected method is unavailable for that market. Handle other non-success responses through the standard error envelope.

Related guide: Catalog and availability.