Ethiopia

Learn everything you need to know to make payouts in Ethiopia with dLocal.

Market specifications

Country reference

`country` code	`currency` code	`amount` decimals
`ET`	`ETB`	2

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	P2P	B2B
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	-
`beneficiary.last_name`	Yes	Yes	-
`beneficiary.business_name`	-	-	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`beneficiary.bank_account.code`	Yes	Yes	Yes
`remitter.first_name`	-	Yes	-
`remitter.last_name`	-	Yes	-
`remitter.document.type`	-	Yes	-
`remitter.document.id`	-	Yes	-
`remitter.birth_info.date`	-	Yes	-
`remitter.address.street`	-	Yes	-
`remitter.address.city`	-	Yes	-
`remitter.nationality`	-	Yes	-
`remitter.address.country`	-	Yes	-

Wallet transfers

Wallet transfer parameters	B2C	P2P	B2B
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	-
`beneficiary.last_name`	Yes	Yes	-
`beneficiary.business_name`	-	-	Yes
`beneficiary.instant_payment.type`	Yes	Yes	Yes
`beneficiary.instant_payment.id`	Yes	Yes	Yes
`remitter.first_name`	-	Yes	-
`remitter.last_name`	-	Yes	-
`remitter.document.type`	-	Yes	-
`remitter.document.id`	-	Yes	-
`remitter.birth_info.date`	-	Yes	-
`remitter.address.street`	-	Yes	-
`remitter.address.city`	-	Yes	-
`remitter.nationality`	-	Yes	-
`remitter.address.country`	-	Yes	-

Payment methods

Ethiopia supports payouts via Bank Transfer and Wallet (Mobile Money) transfer. Each method has specific required parameters and validations aligned with the local banking and telecom systems.

Use Bank Transfer to send funds directly to a beneficiary's bank account. Use Wallet transfers to send funds to a beneficiary's mobile money wallet. P2P (remittance) flows require the beneficiary's full remitter identity information, in line with National Bank of Ethiopia cross-border remittance requirements.

Bank transfers

Mandatory parameters

The table below outlines the required parameters for Bank transfers.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `P2P` (Person to Person), or `B2B` (Business to Business).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Ethiopia, use `ET`.
`currency`	Currency of the payout. Accepts `ETB` or `USD`.
`amount`	Payout amount. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Between 1 and 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.last_name`	Beneficiary's last name. Between 1 and 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.business_name`	Beneficiary's registered business name. Between 1 and 100 characters. Mandatory only for B2B.
`beneficiary.bank_account.account`	Beneficiary's bank account number. Digits only, between 10 and 16 digits.
`beneficiary.bank_account.code`	Beneficiary's bank code. Between 1 and 50 characters, validated against dLocal's Ethiopia bank list. `beneficiary.bank_account.name` is populated automatically from this code if not provided.
`remitter.first_name`	Remitter's first name. Between 1 and 100 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Between 1 and 100 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type. One of: `NI`, `MIL`, `PASS`, `ID`. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document number. Between 1 and 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth. Format `YYYY-MM-DD`. Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's street address. Between 1 and 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter's city. Between 1 and 40 characters. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality, in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country of residence, in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "ET_BT_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "ET",
  "amount": 5000.00,
  "currency": "ETB",
  "beneficiary": {
    "first_name": "Abebe",
    "last_name": "Bekele",
    "bank_account": {
      "account": "1000234567890",
      "code": "ET_CBE"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "ET_BT_P2P_002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "ET",
  "amount": 2500.00,
  "currency": "ETB",
  "beneficiary": {
    "first_name": "Abebe",
    "last_name": "Bekele",
    "bank_account": {
      "account": "1000234567890",
      "code": "ET_CBE"
    }
  },
  "remitter": {
    "first_name": "Sara",
    "last_name": "Mohammed",
    "document": {
      "type": "PASS",
      "id": "EP1234567"
    },
    "birth_info": {
      "date": "1990-05-14"
    },
    "address": {
      "street": "123 Sheikh Zayed Road",
      "city": "Dubai",
      "country": "AE"
    },
    "nationality": "AE"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "ET_BT_B2B_003",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "SUPPLIER",
  "country": "ET",
  "amount": 150000.00,
  "currency": "USD",
  "beneficiary": {
    "business_name": "Addis Trading PLC",
    "bank_account": {
      "account": "1000234567891",
      "code": "ET_AWASH"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Wallet transfers

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For wallet transfers, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `P2P` (Person to Person), or `B2B` (Business to Business).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Ethiopia, use `ET`.
`currency`	Currency of the payout. For Ethiopia wallet transfers, use `ETB`.
`amount`	Payout amount in `ETB`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Between 1 and 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.last_name`	Beneficiary's last name. Between 1 and 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.business_name`	Beneficiary's registered business name. Between 1 and 100 characters. Mandatory only for B2B.
`beneficiary.instant_payment.type`	Beneficiary's wallet provider. One of: `TELEBIRR`, `CBEBIRR`, `MPESA`, `KACHA`, `YAYA`.
`beneficiary.instant_payment.id`	Beneficiary's wallet number, in Ethiopian MSISDN format: `+251` followed by 9 digits (13 characters total). Ex: `+251912345678`.
`remitter.first_name`	Remitter's first name. Between 1 and 100 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Between 1 and 100 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type. One of: `NI`, `MIL`, `PASS`, `ID`. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document number. Between 1 and 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth. Format `YYYY-MM-DD`. Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's street address. Between 1 and 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter's city. Between 1 and 40 characters. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality, in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country of residence, in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "ET_WT_B2C_001",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "ET",
  "amount": 1200.00,
  "currency": "ETB",
  "beneficiary": {
    "first_name": "Abebe",
    "last_name": "Bekele",
    "instant_payment": {
      "type": "TELEBIRR",
      "id": "+251912345678"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "ET_WT_P2P_002",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "ET",
  "amount": 800.00,
  "currency": "ETB",
  "beneficiary": {
    "first_name": "Abebe",
    "last_name": "Bekele",
    "instant_payment": {
      "type": "MPESA",
      "id": "+251912345679"
    }
  },
  "remitter": {
    "first_name": "Sara",
    "last_name": "Mohammed",
    "document": {
      "type": "PASS",
      "id": "EP1234567"
    },
    "birth_info": {
      "date": "1990-05-14"
    },
    "address": {
      "street": "123 Sheikh Zayed Road",
      "city": "Dubai",
      "country": "AE"
    },
    "nationality": "AE"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "ET_WT_B2B_003",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2B",
  "purpose": "SUPPLIER",
  "country": "ET",
  "amount": 90000.00,
  "currency": "ETB",
  "beneficiary": {
    "business_name": "Addis Trading PLC",
    "instant_payment": {
      "type": "CBEBIRR",
      "id": "+251912345680"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Updated about 1 hour ago

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