The choice between Customer payout and Merchant payout depends on the recipient and the final destination of the funds. This page presents the most common use cases and the recommended method for each.Documentation Index
Fetch the complete documentation index at: https://developers.ligdicash.com/llms.txt
Use this file to discover all available pages before exploring further.
Order refund
A customer requests a refund after a cancellation or a product return. You need to send back the amount they paid. Recommended method: Merchant payout (/pay/v01/straight/payout)
The customer does not necessarily have a LigdiCash account. Merchant payout sends directly to their mobile money number, with no prerequisite on their side.
Retrieve the customer's mobile money number
Use the number the customer provided when they paid — it is available in the original payin callback via
operator_id and customer.Initiate the payout
Call
POST /pay/v01/straight/payout with the refund amount and a transaction_id linked to the original order.Example custom_data
Salary payments
You need to pay salaries to employees or field agents on their mobile money accounts. Recommended method: Merchant payout (/pay/v01/straight/payout)
Recipients do not necessarily have a LigdiCash account. Merchant payout lets you send directly to any mobile money number.
Distributing winnings and cashback
You want to credit winnings, rewards, or cashback to your users — to spend on your platform or withdraw to their mobile money. Recommended method: Customer payout (/pay/v01/withdrawal/create)
- Winnings usable on the platform
- Winnings paid directly to mobile money
Use
top_up_wallet: 1 — funds arrive in the user’s LigdiCash wallet. They can use them to pay on LigdiCash platforms. Withdrawing to mobile money is left to their initiative.Ideal for: cashback, loyalty credits, game winnings kept within the LigdiCash ecosystem.Paying agents and service providers
You need to pay freelancers, field agents, or suppliers who delivered a service. Recommended method: Merchant payout (/pay/v01/straight/payout)
Service providers usually do not have a LigdiCash account. Merchant payout sends directly to their mobile money number, whatever the operator — provided that the corresponding sub-account is funded.
If you regularly pay to several different operators, monitor your balances per sub-account from the LigdiCash Dashboard. A payout fails if the sub-account of the recipient’s operator is insufficient, even if your other sub-accounts have a credit balance.
Summary table
| Use case | Method | top_up_wallet |
|---|---|---|
| Customer refund | Merchant payout | — |
| Salaries and compensation | Merchant payout | — |
| Cashback / platform credits | Customer payout | 1 |
| Winnings paid to mobile money | Customer payout | 0 |
| Paying service providers | Merchant payout | — |