Chungwa MTO API v1.0
API documentation for MTO integration partners.
The Chungwa MTO API enables integration partners to perform account lookups and fund transfers through a secure and standardized interface. This documentation covers all available endpoints, request and response formats, authentication requirements, and supported FSPs.
Authentication is handled via custom HTTP headers. Every request must include a
username and password header.
Test Credentials
Content-Type: application/json username: chungwa password: @Dmin2021!
Lookup an account by identifier (bank account number or mobile number) to retrieve account holder details before initiating a transfer.
Request Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
| clientID | string | Required | Unique client identifier assigned to your integration |
| requestID | string | Required | Unique request identifier for tracking |
| identifier | string | Required | Account or mobile number to lookup |
| identifierType | string | Required | Type of identifier: BANK or MSISDN |
| destinationFsp | string | Optional | FSP code of the destination institution e.g 003 for CRDB |
Request Example
{
"clientID": "client001",
"requestID": "123456",
"identifier": "00000121",
"identifierType": "BANK",
"destinationFsp": "003"
}
Response Parameters
| Parameter | Type | Description |
|---|---|---|
| responsecode | string | Transaction status code |
| responsedescription | string | Human readable status description |
| identifierType | string | Type of the identifier returned |
| identifier | string | The account or mobile number |
| fspId | string | FSP owning the identifier |
| fullName | string | Full name of the account holder |
| accountCategory | string | PERSON or BUSINESS |
| accountType | string | BANK or WALLET |
| identity.type | string | ID type: NIN or TIN |
| identity.value | string | ID number without hyphens |
Response Examples
{
"responsecode": "00",
"responsedescription": "SUCCESS",
"identifierType": "BANK",
"identifier": "00000121",
"fspId": "CRDB",
"fullName": "Andendekisye Shekimweri",
"accountCategory": "PERSON",
"accountType": "BANK",
"identity": {
"type": "TIN",
"value": "503123579"
}
}
{
"responsecode": "54",
"responsedescription": "Account not found"
}
{
"responsecode": "54",
"responsedescription": "Unauthorized: Invalid credentials"
}
Test Accounts
| Identifier | Type | FSP | Name | Category |
|---|---|---|---|---|
| 00000121 | BANK | CRDB | Andendekisye Shekimweri | PERSON |
| 24110000296 | BANK | NMB | Mwinyi Kazimoto | PERSON |
| 255621804189 | MSISDN | MPESA | Fatuma Said Ally | PERSON |
| 255784000111 | MSISDN | AIRTEL | Juma Hassan Mbwana | PERSON |
| 01258796325 | BANK | EXIM | Karibu Supplies Ltd | BUSINESS |
| 255754000222 | MSISDN | TIGO | Mariam Juma Salehe | PERSON |
Successful
Transaction completed successfully
Pending
Transaction is being processed
Failed
Transaction failed or account not found
Cancelled
Transaction was cancelled
The following Financial Service Providers are supported for account lookup and fund transfers.