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Documentation Index

Fetch the complete documentation index at: https://docs.pawapay.io/llms.txt

Use this file to discover all available pages before exploring further.

To avoid any delays, please make sure that all funds for payouts/disbursements are sent from an account owned by your company. If you need to send funds through a contractual partner, please go through the adding a Liquidity Partner journey described below on this page.
In order to make payouts via our API, your wallet must have sufficient funds available. Where a payout request is made and the wallet has insufficient balance to complete the transaction, the transaction will fail. Accordingly, if you intend to use payouts you will be required to pre-fund (top up) your PawaPay wallet. In order to streamline the process you are encouraged to follow the instructions below whenever a top up is being made to your PawaPay wallet.

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Send your funds to the correct bank account

When sending funds to top up your wallet in a particular country, you are requested to send those funds to the bank account for the respective market which will be presented to you in the PawaPay Dashboard. Remember to always include your account specific ID to each payment you make. This will also be presented to you in the payment instruction we give.

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Creating a top up

You can start a new top up at any time from the Top ups page in the Dashboard. Click Create new top up and the Dashboard will walk you through five short steps.
1

Choose the wallets you want to fund

Select one or more wallets that will receive the money. Each wallet is shown with its country and currency — for example, Uganda UGX or Ghana GHS. You can tick as many as you need, or use Select all to pick them all at once.If you don’t see a wallet you expect to be there, your PawaPay account may not be set up for that market yet.
2

Choose how you want to fund your balance

Pick the method you will use to send us the money. See Choosing a funding method below for a plain-English explanation of each option.
3

Choose a currency

Pick the currency you will send. The Dashboard only shows currencies that are valid for the wallets and funding method you chose in the previous steps. If something isn’t listed, it isn’t currently supported for your selection.
4

Enter the amounts

For each wallet you picked in step 1, type in how much you want credited. The Dashboard keeps a running Total amount to top up on the right so you can see the full amount you need to transfer.
5

Send us the money and upload your Proof of Payment

This is the final step. The Dashboard will show you:
  • The bank account you should send the funds to.
  • Your unique merchant code — a short reference you must include with the transfer (see Your unique merchant code below).
  • An expected timeline. We always try to process top ups as soon as possible but the timelines vary country by country.
Once you’ve made the transfer from your bank, come back to this screen and upload your Proof of Payment — a screenshot or PDF of the SWIFT confirmation or bank receipt. Then hit Top up.

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Choosing a funding method

Step 2 of the wizard asks how you want to fund your balance. You will see one or more of the following options — the ones available depend on your account setup:
Send funds from a bank account owned by your company via a standard bank/SWIFT transfer. This is the most common option. The Dashboard will show you the PawaPay bank account you should send the money to at step 5.
Move money you already hold in one PawaPay wallet into another PawaPay wallet. You’ll be asked to pick which PawaPay wallet the money should come from.
A Liquidity Partner is a third party — for example, an aggregator or on-the-ground partner — that funds your wallet on your behalf. Before you can use one, they need to be approved by our Treasury team. See Adding a Liquidity Partner below.

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Your unique merchant code

Every top up comes with a unique merchant code, which is a short reference shown on the payment instructions screen.
You must include this code in the reference / description / narration field of your bank transfer. Without it, our Treasury team cannot match your payment to your account, which will delay your top up.
Top ups: Payment reference
The Dashboard has a Copy button next to the code so you can paste it straight into your bank’s transfer form. The same code needs to be reused across your top ups as it identifies your account, not the individual payment.

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Adding a Liquidity Partner

If someone other than your own company is going to send us the funds — for example, a local aggregator or a contractual partner — then they need to be onboarded as a Liquidity Partner first. This is a one-time setup per partner.
Add LP

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How to add one

1

Open the Liquidity Partners page

From the Top ups page, click Add Liquidity Partner (or use the Add new Liquidity Partner link inside step 2 of the top up wizard).
2

Fill in the partner's details

You’ll be asked for:
  • Liquidity Partner name — the legal name of the partner.
  • Your relationship with the partner — a short description of how you work together.
  • Line of business — what the partner does.
  • Country coverage — the countries they’re licensed / allowed to operate in.
3

Upload the supporting documents

Attach:
  • Licenses — relevant financial or operating licenses the partner holds.
  • KYC documents — incorporation documents, plus identification for shareholders with 5% or more stake and for directors.
You can upload multiple files in PDF, JPEG or PNG format, up to 50 MB each.
4

Submit for review

Click Submit. Your request goes to our Treasury team for review. You can track it on the Liquidity Partners page — the status will show as In review until it’s been approved or rejected. You may be contacted by our team via email for further clarification.
Once a Liquidity Partner is Approved, they will appear as a selectable option under Liquidity Partner on step 2 of the top up wizard.

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After you submit a top up

Once you’ve uploaded your Proof of Payment, your top up lands on the Top ups page with a status you can track:
StatusWhat it means
PendingWe’ve received your submission but haven’t started processing it yet.
In progressOur Treasury team is reviewing the payment and crediting your wallet.
CompletedThe funds are in your wallet and ready to use for payouts.
FailedSomething went wrong with processing — our team will be in touch.
RejectedThe Proof of Payment couldn’t be matched to a payment we’ve received.
CancelledYou (or our team) cancelled the top up before it was processed.
You can open any top up to see its full history, add a comment for our Treasury team, or download the Proof of Payment you uploaded.
Need to do another top up that looks just like a past one? Use Repeat top up on any existing entry — the Dashboard will pre-fill the wizard with the same wallets so you can adjust the amounts and submit.