Welcome to the Gozem Money API
The Gozem Money API lets partner systems move money across the Gozem ecosystem and supported third-party Payment Service Providers (PSPs), over a REST interface. You can create charges, send payouts, inspect transactions, and read account information.
Gozem Money is the wallet and payments layer of the Gozem super app, and the Money API is the partner-facing entry point into that layer.
This section covers everything specific to the Money API. For the platform foundations shared across services, see the Platform section: your environments in Environments & Access and the shared conventions in API Basics. The Money API authenticates with signed requests (JWT + HMAC); see the Authentication page in this section.
What you can do
- Accept in-app wallet payments (Gozem Money) and mobile-money payments (Flooz Togo, Mix by Yas Togo)
- Send payouts to Gozem Money wallets and PSP phone numbers
- Inspect transactions and read account information
- Receive real-time status updates through signed webhooks
Who it is for
The Money API suits merchant partners who need payments inside their own systems: adding wallet and mobile-money checkout to an app or ordering flow, disbursing funds to customers or partners, and reconciling activity against a Gozem Money merchant account.
Core components
| Component | Role |
|---|---|
| Gozem Money wallet | Customer-facing wallet inside the Gozem ecosystem. |
| Merchant account | A business account on Gozem Money. Charges land here; payouts are debited from here. |
| API client | A server-to-server credential set linked to exactly one merchant account. |
| PSP integrations | Bridges to Flooz Togo and Mix by Yas Togo, for customers paying without a Gozem Money wallet. |
How money moves
A charge pulls money from a customer into your merchant account; a payout sends money from your merchant account to a beneficiary.
How an integration flows
Most integrations follow the same path:
- Provision an API client and its linked merchant account (see Environments & Access).
- Confirm the endpoint slugs enabled for your client (see Endpoint entitlements).
- Implement request signing with JWT and HMAC (see Authentication).
- Call the API to create a charge or send a payout (see Endpoints).
- Track the transaction to a terminal status using signed Webhooks.
Supported countries and currencies
The Money API operates in West Africa (XOF) and Central Africa (XAF). The available channels depend on the market:
| Region | Currency | Channels |
|---|---|---|
| Togo | XOF | gozem, flooz-tg, yas-tg |
| Central African markets | XAF | gozem |
Additional countries, currencies, and channels are enabled progressively.
Base URL
The Money API is reached under the /money/v1 service path on the shared API host, like every other Gozem service (see Environments & Access):
# Sandbox
https://sandbox-api.gozem.co/money/v1
# Production
https://api.gozem.co/money/v1Where the API fits
Your backend talks to the Money API server-to-server. The API validates and signs your requests, checks slug entitlement and account linkage, routes Gozem-channel charges to the customer’s app for approval, routes PSP-channel charges and payouts through the provider, and emits webhooks on every terminal status change. Requests are idempotent by header, so a safe retry never charges or pays out twice.
Where to go next
- New to the platform? Start with the Platform Overview.
- Ready to call the API? Set up request signing on Authentication, then work through the endpoint reference.