Togo

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

Market specifications

Country reference

`country` code	`currency` code	`amount` decimals
`TG`	`XOF`	2

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`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.branch`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.address.country`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`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.address.country`	-	-	Yes

Payment methods

Togo 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 using mobile phone numbers tied to local e-wallets, accepted only from major operators.

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), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Togo, use `TG`.
`currency`	Currency of the payout. For Togo, use `XOF`.
`amount`	Payout amount in `XOF`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.business_name`	Beneficiary's registered business name. Maximum 100 characters. Mandatory only for B2B.
`beneficiary.bank_account.account`	Beneficiary's bank account number. Between 3 and 30 characters. Automatically converted to IBAN format for the TG corridor.
`beneficiary.bank_account.branch`	Beneficiary's bank identifier code. Must match one of the bank codes listed in the Bank codes table below.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Bank codes

beneficiary.bank_account.branch must be one of the following codes.

Bank name	Bank code
Bank Of Africa Togo	`AFRITGTG`
Banque Atlantique du Togo	`ATTGTGTG`
Banque Internationale pour l'Afrique au Togo	`BILTTGTG`
Banque Sahelo-Saharienne pour l'Investissement et le Commerce - Togo	`BSAHTGTG`
Banque Togolaise pour le Commerce et l'Industrie	`BTCITGTG`
CORIS BANK Togo	`CORITGTG`
Ecobank Togo	`ECOCTGTG`
NSIA BANQUE TOGO	`DBLNTGTG`
Orabank Togo	`ORBKTGTG`
Societe Generale Togo	`SOGETGTG`
Societe Interafricaine de Banque	`SIABTGTG`
Union Togolaise de Banque	`UNTBTGTG`

Example request

{
  "external_id": "TG_BT_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "TG",
  "amount": 25000.00,
  "currency": "XOF",
  "beneficiary": {
    "first_name": "Kokou",
    "last_name": "Adjovi",
    "bank_account": {
      "account": "TG5310100100010154210001995",
      "branch": "AFRITGTG"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "TG_BT_B2B_002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "OTHER_SERVICES",
  "country": "TG",
  "amount": 500000.00,
  "currency": "XOF",
  "beneficiary": {
    "business_name": "Lome Trading SARL",
    "bank_account": {
      "account": "TG5310100100010154210002886",
      "branch": "ECOCTGTG"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "TG_BT_P2P_003",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "TG",
  "amount": 15000.00,
  "currency": "XOF",
  "beneficiary": {
    "first_name": "Kokou",
    "last_name": "Adjovi",
    "bank_account": {
      "account": "TG5310100100010154210001995",
      "branch": "AFRITGTG"
    }
  },
  "remitter": {
    "first_name": "Awa",
    "last_name": "Traore",
    "address": {
      "country": "SN"
    }
  },
  "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), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Togo, use `TG`.
`currency`	Currency of the payout. For Togo, use `XOF`.
`amount`	Payout amount in `XOF`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters. Mandatory for B2C and P2P. Not used for B2B.
`beneficiary.business_name`	Beneficiary's registered business name. Maximum 100 characters. Mandatory only for B2B.
`beneficiary.instant_payment.type`	Beneficiary's wallet provider. Type of wallet being used: `MOOV` or `TG`.
`beneficiary.instant_payment.id`	Beneficiary's wallet identifier, in E.164 format: `+228` followed by 8 digits (12 characters total). Ex: `+22870123456`.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "TG_WT_B2C_001",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "TG",
  "amount": 10000.00,
  "currency": "XOF",
  "beneficiary": {
    "first_name": "Kokou",
    "last_name": "Adjovi",
    "instant_payment": {
      "type": "MOOV",
      "id": "+22870123456"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "TG_WT_B2B_002",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2B",
  "purpose": "OTHER_SERVICES",
  "country": "TG",
  "amount": 200000.00,
  "currency": "XOF",
  "beneficiary": {
    "business_name": "Lome Trading SARL",
    "instant_payment": {
      "type": "TG",
      "id": "+22870123457"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "TG_WT_P2P_003",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "TG",
  "amount": 5000.00,
  "currency": "XOF",
  "beneficiary": {
    "first_name": "Kokou",
    "last_name": "Adjovi",
    "instant_payment": {
      "type": "MOOV",
      "id": "+22870123458"
    }
  },
  "remitter": {
    "first_name": "Awa",
    "last_name": "Traore",
    "address": {
      "country": "SN"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Updated about 2 hours ago

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