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Overview

Payouts allow users to move money out of their HOST Pay wallets and into their real-world bank or mobile money accounts.

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Supported Payout Methods

Mobile Money Cashout

Instant withdrawals to Orange Money or Africell Money in Sierra Leone.

Stripe Payouts

Standard bank transfers via Stripe Connect (coming soon).

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1. Mobile Money Cashouts (Monime)

This is the fastest way for users to access their funds in local currency (SLE).

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Requesting a Cashout

To initiate a withdrawal, use the Mobile Money Cashout endpoint.
  1. Parameters: Provide the wallet_id, amount, and the recipient’s phone number.
  2. Execution: Once sent, Monime processes the request and funds are deposited into the user’s mobile money account.

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Currency Handling

The amount in a mobile money cashout request is always specified in Sierra Leone Leones (SLE).
  • If Base Currency is SLE: No conversion occurs. The exact SLE amount is deducted from the wallet.
  • If Base Currency is USD: The system automatically calculates the equivalent USD amount to deduct based on the real-time exchange rate.
See the Currency & Conversions guide for more details.

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2. Stripe Payouts

For applications that integrate with Stripe Connect, bank payouts are available. This is typically used for business-level withdrawals rather than individual user cashouts in local markets.
  • Standard: Takes 2-5 business days.
  • Instant: Available in supported regions for a small fee.

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Payout Statuses

Payouts go through several stages:
StatusDescription
pendingThe payout has been initiated and is awaiting provider confirmation.
completedThe funds have been successfully settled in the destination account.
failedThe payout could not be processed (e.g., incorrect phone number or rejected by provider).
cancelledThe payout was cancelled by the user or an administrator.

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Fees

Withdrawal fees are configurable in your HOST Pay Dashboard. You can set:
  • Flat Fee: A fixed amount per cashout.
  • Percentage Fee: A percentage of the withdrawn amount.
These fees are deducted from the user’s wallet before the cashout is processed.

Transaction History

Track the status of all payouts

Webhooks

Get notified when payouts complete