Cellulant has integrated into each of the Banks/MNOs/Billers to fulfill the payout requests.
➔ Customer shall integrate to Cellulant to post payout transactions via a web-service and avail a web-service interface where Cellulant shall sync the final status of the transaction.
➔ Cellulant has opened payout accounts with each of the MNOs and Billers whereby the MNO shall debit Cellulant bills/airtime/mobile money float account and credit the recipient/customer mobile money account when Customer posts a transaction.
➔ Alternatively, Customer can open and manage the payout accounts with each of the MNO.
➔ Customer shall be required to prefund its payout float account and always ensure the account has sufficient funds.
Transaction Flow
➔ To initiate a transaction, customer shall send a payment instruction to Cellulant that includes the recipient Mobile number, unique reference number, amount, serviceCode (service to consume e.g. KE-MPESA-B2C).
➔ Cellulant will relay the payout transaction to the relevant MNO who shall debit the payout float account and credit the customer mobile money account.
➔ Cellulant shall then sync the final status of the payout to the customer’s web-service.