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

# Create Mobile Money Payout

> Initiate a mobile money payout by sending a request to the API. The specified amount will be transferred to the recipient's mobile wallet.



## OpenAPI

````yaml POST /payouts/create-mobile-money-payout
openapi: 3.0.1
info:
  title: CORE API OpenAPI Specification
  description: This is the API documentation for the ClickPesa CORE API
  license:
    name: MIT
  version: 1.0.0
servers:
  - url: https://api.clickpesa.com/third-parties
security:
  - bearerAuth: []
paths:
  /payouts/create-mobile-money-payout:
    post:
      tags:
        - Payouts
        - Create
      description: >-
        Initiate a mobile money payout by sending a request to the API. The
        specified amount will be transferred to the recipient's mobile wallet.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - amount
                - orderReference
                - phoneNumber
                - currency
              properties:
                amount:
                  type: number
                  description: Your payout amount
                phoneNumber:
                  type: string
                  description: >-
                    Mobile phone number to receive mobile money payout, starting
                    with country code and without the plus sign, e.g.,
                    255712345678
                currency:
                  type: string
                  enum:
                    - TZS
                    - USD
                  description: >-
                    Account currency to pay out from (TZS or USD). User will
                    receive funds in TZS (Mobile can't hold USD)
                orderReference:
                  type: string
                  description: Your unique Order reference
                checksum:
                  type: string
                  description: >-
                    If enabled, this is the generated checksum of the payload.
                    Refer to the [documentation](/home/checksum) for more
                    details.
      responses:
        '200':
          description: Mobile money payout Preview response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreateMobileMoneyPayoutResponse'
        '400':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationError'
        '401':
          description: Invalid or Expired Token
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedError'
        '409':
          description: Conflict Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConflictError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalServerError'
components:
  schemas:
    CreateMobileMoneyPayoutResponse:
      type: object
      properties:
        updatedAt:
          type: string
          format: date-time
        createdAt:
          type: string
          format: date-time
        id:
          type: string
        orderReference:
          type: string
          description: Your unique order reference
        amount:
          type: string
          description: Total amount deducted from your account balance (includes fee)
          example: '1047.10'
        currency:
          type: string
          example: TZS
        fee:
          type: string
          description: Transaction fee deducted from source currency (included in amount)
          example: '47.10'
        exchanged:
          type: boolean
          description: >-
            Indicates if currency conversion was applied (true when source
            currency differs from receiving currency)
          example: true
        exchange:
          type: object
          description: Exchange rate details (only present when exchanged is true)
          properties:
            sourceCurrency:
              type: string
              description: Source currency for the exchange
              example: USD
            targetCurrency:
              type: string
              description: Target currency for the exchange
              example: TZS
            sourceAmount:
              type: number
              description: Amount in source currency
              example: 1000
            rate:
              type: number
              description: Exchange rate used for conversion
              example: 2500
        status:
          type: string
          enum:
            - AUTHORIZED
            - SUCCESS
            - REVERSED
        channel:
          type: string
          enum:
            - MOBILE MONEY
        channelProvider:
          type: string
          example: MPESA TANZANIA
        order:
          type: object
          properties:
            amount:
              type: string
              description: Amount added during order creation/payload
              example: '1000.00'
            currency:
              type: string
              example: TZS
        beneficiary:
          type: object
          properties:
            accountNumber:
              type: string
              example: '255650000000'
            accountName:
              type: string
              description: >-
                Beneficiary name: fetched from MNO; if unavailable, falls back
                to phone number when not required. If required and unavailable,
                payout fails validation.
              example: John Doe
        clientId:
          type: string
          description: Application Client ID associated with the payout
    ValidationError:
      type: object
      properties:
        message:
          type: string
          enum:
            - Valid Client ID is required
            - >-
              Application has no access to PAYOUT API feature. Enable it on your
              application.
            - >-
              Invalid Order Reference, should only contain alphanumeric
              characters and cannot be blank
            - 'Insufficient balance: available balance is {balance} TZS'
            - >-
              Payout request is already in progress, please retry after
              {remaining time} seconds
          example: 'Insufficient balance: available balance is {balance} TZS'
    UnauthorizedError:
      type: object
      properties:
        message:
          type: string
          description: Unauthorized Error
          example: Unauthorized
    ConflictError:
      type: object
      properties:
        message:
          type: string
          description: Conflict message when an order reference is already used
          example: >-
            Order reference {Your reference} already used: Create a different
            reference
    InternalServerError:
      type: object
      properties:
        message:
          type: string
          description: Internal Server Error
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: >-
        Authorization header containing the JWT access token returned from the
        generate token endpoint. The token already includes the Bearer prefix.
        Example: `Authorization: Bearer eyJhbGciOi...`
      bearerFormat: JWT

````