Instant Cashin API Endpoint
Usage
- This endpoint is used to disburse the E-Money for an anonymous recipients through a specific issuer.
| Environment | API location source | HTTP Method | Content Type |
|---|---|---|---|
| {ENV} | ^disburse/ | POST | JSON |
Headers
{
"Content-Type": "application/json",
"Authorization": "Bearer {ACCESS_TOKEN}"
}
Request
-
Request Parameters
Field M/O/C Type Notes issuer M String the channel to disburse the e-money through amount M Float Minimum 112 EGP for instant_bank msisdn C String vodafone/etisalat/orange/bank wallets bank_card_number C String bank accounts/cards and instant_bank bank_transaction_type C String bank accounts/cards only bank_code C String bank accounts/cards and instant_bank full_name C String bank accounts/cards and instant_bank national_id M String The national for the recipient client_reference_id O String of uuid4 it's reference id generated by your side client_reference O String it's reference id generated by your side must be unique customer_bears_fees O Boolean Determines who pays the transaction fees comment O String comment if you want to send any comment for your Beneficiary * Usage: * {issuer} options list: [vodafone, etisalat, orange, bank_wallet, bank_card, instant_bank] -case insensitive-. * {amount} it's valid to use decimal point numbers up to 2 decimal points ex: 53.99 * {msisdn}: the +2 added automatically, so it consists of 11 numbers, ex: 01020304050 * {national_id}: the national id number for the recipient, ex: 29005270102927 * {bank_card_number}: expected: [bank account number, IBAN, card number] * {bank_transaction_type} options list: [cash_transfer] -case insensitive-. * {client_reference_id} generated UUID by the client to be saved as reference in case of timeouts. * {comment} comment to the Beneficiary. * {customer_bears_fees} optional boolean parameter (defaults to false if not provided): * true: Customer pays the transaction fees and VAT. The customer receives the amount minus fees and VAT. * Example: For a 100 EGP transaction with 10 EGP fees + 1.40 EGP VAT: * Merchant's budget is charged: 100 EGP * Customer receives: 88.60 EGP (100 - 10 - 1.40) * false (default): Merchant pays the transaction fees and VAT. The customer receives the full amount. * Example: For a 100 EGP transaction with 10 EGP fees + 1.40 EGP VAT: * Merchant's budget is charged: 111.40 EGP (100 + 10 + 1.40) * Customer receives: 100 EGP | Description | Type | |------- |------ | | For bank accounts, debit cards etc. | cash_transfer | the reference number of his/her transaction. * **{bank_code}**: the banks list and their corresponding codes -case sensitive-. - **For bank_card issuer**: Uses VALID_BANK_CODES_LIST (see bank_card section below) - **For instant_bank issuer**: Uses AVAILABLE_CORP_BANK_LIST (same as corp_bank, see instant_bank section below) **Bank Codes for bank_card issuer:** | Bank Name | Bank Code | |------- |------ | | Ahli United Bank | AUB | | MIDBANK | MIDB | | Banque Du Caire | BDC | | HSBC Bank Egypt S.A.E | HSBC | | Credit Agricole Egypt S.A.E | CAE | | Egyptian Gulf Bank | EGB | | The United Bank | UB | | Qatar National Bank Alahli | QNB | | Arab Bank PLC | ARAB | | Emirates National Bank of Dubai | ENBD | | Al Ahli Bank of Kuwait – Egypt | ABK | | National Bank of Kuwait – Egypt | NBK | | Arab Banking Corporation - Egypt S.A.E | ABC | | First Abu Dhabi Bank | FAB | | Abu Dhabi Islamic Bank – Egypt | ADIB | | Commercial International Bank - Egypt S.A.E | CIB | | Housing And Development Bank | HDB | | Banque Misr | MISR | | Arab African International Bank | AAIB | | Egyptian Arab Land Bank | EALB | | Export Development Bank of Egypt | EDBE | | Faisal Islamic Bank of Egypt | FAIB | | Blom Bank | BLOM | | Abu Dhabi Commercial Bank – Egypt | ADCB | | Alex Bank Egypt | BOA | | Societe Arabe Internationale De Banque | SAIB | | National Bank of Egypt | NBE | | Al Baraka Bank Egypt B.S.C. | ABRK | | Egypt Post | POST | | Nasser Social Bank | NSB | | Industrial Development Bank | IDB | | Suez Canal Bank | SCB | | Mashreq Bank | MASH | | Arab Investment Bank | AIB | | General Authority For Supply Commodities | GASC | | Arab International Bank | ARIB | | Agricultural Bank of Egypt | PDAC | | National Bank of Greece | NBG | | Central Bank Of Egypt | CBE | | ATTIJARIWAFA BANK Egypt | BBE | **Bank Codes for instant_bank issuer:** | Bank Name | Bank Code | |------- |------ | | Arab African International Bank | AAIB | | ABE Bank | ABE | | Al Ahli Bank of Kuwait – Egypt | ABK | | Abu Dhabi Commercial Bank – Egypt | ADCB | | Arab Investment Bank | AIB | | aiBANK | AIBANK | | Ahli United Bank | AUB | | Banque Du Caire | BDC | | Credit Agricole Egypt S.A.E | CAE | | Central Bank Of Egypt | CBE | | Commercial International Bank - Egypt S.A.E | CIB | | Citibank | CITIBANK | | Egyptian Arab Land Bank | EALB | | Export Development Bank of Egypt | EBE | | Emirates National Bank of Dubai | ENBD | | First Abu Dhabi Bank | FAB | | Faisal Islamic Bank of Egypt | FAIB | | Housing And Development Bank | HDB | | HSBC Bank Egypt S.A.E | HSBC | | Industrial Development & Workers Bank of Egypt | IDBD | | Misr Credit & Development | MCDR | | MIDBANK | MIDBANK | | National Bank of Egypt | NBE | | National Bank of Greece | NBG | | National Bank of Kuwait – Egypt | NBK | | Nasser Social Bank | NSB | | Qatar National Bank Alahli | QNB | | Societe Arabe Internationale De Banque | SAIB | | The United Bank | UB | | Al Baraka Bank Egypt B.S.C | ABRK | | Arab Bank PLC | ARAB | | Attijariwafa Bank | BBE | | Arab Banking Corporation - Egypt S.A.E | ABC | | Banque Misr | MISR | | Egyptian Gulf Bank (EG-Bank) | EGB | | Egypt Post | POST | | Mashreq Bank | MASH | | National Investment Bank | NIB | | Suez Canal Bank | SCB | | Alex Bank Egypt | BOA | | Abu Dhabi Islamic Bank – Egypt | ADIB |
Response
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Response Parameters
Field Type Notes disbursement_status String status_description String status_code String transaction_id String
Samples
-
Instant cashin request through Vodafone as an issuer
-
request
{ "amount": "90.56", "issuer": "vodafone", "msisdn": "01092737975" } -
response
{ "transaction_id": "92134d2b-d1a5-4dde-859c-a1175e94582c", "msisdn": "01092737975", "issuer": "vodafone", "amount": "90.56", "full_name": "", "disbursement_status": "success", "status_code": "200", "status_description": "تم إيداع 90.56 جنيه إلى رقم 01010101010 بنجاح", "aman_cashing_details": null, "created_at": "2020-10-12 06:54:31.849561", "updated_at": "2020-10-12 06:54:33.146926" }
1.1 Vodafone request with customer bears fees (customer pays fees)
-
request
{ "amount": "100.00", "issuer": "vodafone", "msisdn": "01092737975", "customer_bears_fees": true } -
response
{ "transaction_id": "92134d2b-d1a5-4dde-859c-a1175e94582c", "msisdn": "01092737975", "issuer": "vodafone", "amount": "100.00", "full_name": "", "disbursement_status": "success", "status_code": "200", "status_description": "تم إيداع 88.60 جنيه إلى رقم 01092737975 بنجاح", "aman_cashing_details": null, "created_at": "2020-10-12 06:54:31.849561", "updated_at": "2020-10-12 06:54:33.146926" } -
Note: In this case, the merchant's budget is charged 100 EGP only, and the customer receives 88.60 EGP (100 - 10 - 1.40, assuming 10 EGP fees and 1.40 EGP VAT)
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-
Instant cashin request through Etisalat as an issuer
-
request
{ "issuer": "etisalat", "amount": 100.0, "msisdn": "01112131415" } -
response
{ "transaction_id": "4d8d2215-6b15-4cf0-8a5a-e62e3eb5fdb3", "msisdn": "01112131415", "issuer": "etisalat", "amount": 100.0, "full_name": "", "disbursement_status": "failed", "status_code": "90040", "status_description": "عزيزي العميل أنت غير مشترك في خدمة اتصالات كاش، للاشتراك برجاء زيارة أقرب فرع من فروع اتصالات بالخط والرقم القومي للمزيد من المعلومات اتصل ب-778", "aman_cashing_details": null, "created_at": "2020-10-12 07:00:23.453577", "updated_at": "2020-10-12 07:00:24.615864" }
-
-
Instant cashin request through Orange as an issuer
-
request
{ "issuer": "orange", "amount": 100.0, "msisdn": "01092737975" } -
response
{ "transaction_id": "7ce037de-a8d8-411c-be19-65ceb4e0dbd3", "issuer": "orange", "msisdn": "01092737975", "amount": 100.0, "full_name": "", "disbursement_status": "success", "status_code": "200", "status_description": "amount is deposited successfully", "aman_cashing_details": null, "created_at": "2020-10-12 07:19:46.121389", "updated_at": "2020-10-12 07:19:47.550900" }
-
-
Instant cashin request through Bank Wallets as an issuer
-
request
{ "issuer": "bank_wallet", "amount": 100.0, "msisdn": "01092737975" } -
response
{ "transaction_id": "d9707a55-16af-4d35-9c69-2bce5ecc6cfb", "issuer": "bank_wallet", "msisdn": "01092737975", "amount": 100.0, "full_name": "", "disbursement_status": "success", "status_code": "200", "status_description": "amount is deposited successfully", "aman_cashing_details": null, "created_at": "2020-10-12 07:23:17.540219", "updated_at": "2020-10-12 07:23:18.113919" }
-
-
Instant cashin request through Bank Cards / Accounts as an issuer
-
request
{ "issuer": "bank_card", "amount": 100.0, "full_name": "Tom Bernard Ceisar", "bank_card_number": "1111-2222-3333-4444", "bank_code": "CIB", "bank_transaction_type": "cash_transfer" } -
response
{ "transaction_id": "01ea2cd1-f01f-4857-b5ae-1e6359d1c779", "issuer": "bank_card", "amount": "100.00", "bank_card_number": "1111 2222 3333 4444", "full_name": "Tom Bernard Ceisar", "bank_code": "MISR", "bank_transaction_type": "salary", "disbursement_status": "pending", "status_code": "8000", "status_description": "Transaction received and validated successfully. Dispatched for being processed by the bank", "created_at": "2020-10-12 07:25:51.631701", "updated_at": "2020-10-12 07:25:52.263173" }
6.1 Bank Card request with customer bears fees (customer pays fees)
-
request
{ "issuer": "bank_card", "amount": 100.0, "full_name": "Tom Bernard Ceisar", "bank_card_number": "1111-2222-3333-4444", "bank_code": "CIB", "bank_transaction_type": "cash_transfer", "customer_bears_fees": true } -
response
{ "transaction_id": "01ea2cd1-f01f-4857-b5ae-1e6359d1c779", "issuer": "bank_card", "amount": "100.00", "bank_card_number": "1111 2222 3333 4444", "full_name": "Tom Bernard Ceisar", "bank_code": "MISR", "bank_transaction_type": "salary", "disbursement_status": "pending", "status_code": "8000", "status_description": "Transaction received and validated successfully. Dispatched for being processed by the bank", "created_at": "2020-10-12 07:25:51.631701", "updated_at": "2020-10-12 07:25:52.263173" } -
Note: In this case, the merchant's budget is charged 100 EGP, but the customer receives 100 - fees - VAT (e.g., 88.60 EGP if fees are 10 EGP and VAT is 1.40 EGP)
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Instant cashin request through Instant Bank as an issuer
Note: Instant Bank uses the same bank codes as Corporate Bank transfers and supports both regular account numbers and IBAN format.
-
request
{ "issuer": "instant_bank", "amount": 500.0, "full_name": "Ahmed Mohamed Ali", "bank_card_number": "1234567890123456", "bank_code": "CIB" } -
response
{ "transaction_id": "44671c65-b4ec-4a81-807b-e0b924b61c0d", "issuer": "instant_bank", "amount": "500.00", "bank_card_number": "1234567890123456", "full_name": "Ahmed Mohamed Ali", "bank_code": "CIB", "bank_name": "Commercial International Bank - Egypt S.A.E", "disbursement_status": "pending", "status_code": "200", "status_description": "transaction is processing", "created_at": "2025-12-02 13:08:13.317000", "updated_at": "2025-12-02 13:08:13.317000" }
7.1 Instant Bank request with IBAN
-
request
{ "issuer": "instant_bank", "amount": 750.0, "full_name": "Sara Hassan Mohamed", "bank_card_number": "EG187277769381221446527989011", "bank_code": "AAIB" } -
response
{ "transaction_id": "eff30494-a812-4921-a5bd-cf77ed28d09c", "issuer": "instant_bank", "amount": "750.00", "bank_card_number": "EG187277769381221446527989011", "full_name": "Sara Hassan Mohamed", "bank_code": "AAIB", "bank_name": "Arab African International Bank", "disbursement_status": "pending", "status_code": "200", "status_description": "transaction is processing", "created_at": "2025-12-02 13:08:13.342000", "updated_at": "2025-12-02 13:08:13.342000" }
7.2 Instant Bank request with customer bears fees
-
request
{ "issuer": "instant_bank", "amount": 1000.0, "full_name": "Mohamed Ali Hassan", "bank_card_number": "9876543210987654", "bank_code": "NBE", "customer_bears_fees": true } -
response
{ "transaction_id": "3df7e0a6-9d54-4bf4-8b29-4af059501640", "issuer": "instant_bank", "amount": "1000.00", "bank_card_number": "9876543210987654", "full_name": "Mohamed Ali Hassan", "bank_code": "NBE", "bank_name": "National Bank of Egypt", "disbursement_status": "pending", "status_code": "200", "status_description": "transaction is processing", "created_at": "2025-12-02 13:08:13.438000", "updated_at": "2025-12-02 13:08:13.438000" } -
Note:
- Minimum amount: 112 EGP per transaction
- Instant Bank transactions are processed through bulk SQS channels similar to corporate bank transfers
- Supports the same bank codes as listed in the bank codes table above
- Accepts both regular account numbers (6-20 digits) and IBAN format (EG + 27 digits)
- Transactions are asynchronous and will update to final status (success/failed) after processing
- When
customer_bears_feesis true, only the transaction amount is deducted from merchant's budget
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Instant cashin request through Egypt Post as an issuer
-
request
{ "issuer": "post", "amount": 100.0, "full_name": "محمد محمود صابر", "national_id": "29005270102927" } -
response
{ "transaction_id": "929a04d5-ed26-4132-9456-407a588f94da", "anon_recipient": "29005270102927", "issuer": "post", "amount": 100.0, "full_name": "محمد محمود صابر", "disbursement_status": "pending", "status_code": "200", "fees": 10.0, "vat": 1.4, "reference_id": "", "status_description": "Request submitted", "aman_cashing_details": null, "client_transaction_reference": null, "created_at": "2024-07-03 12:18:25.211709", "updated_at": "2024-07-03 12:18:25.236080", "reference": null, "accept_balance_transfer_id": null }
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Examples of failure cases
9.1 Parameters didn't pass validations
{ "disbursement_status": "failed", "status_description": { "amount": [ "This field is required." ], "issuer": [ "This field is required." ] }, "status_code": "400" }9.2 Token used is expired
{ "disbursement_status": "failed", "status_description": "Authentication credentials were not provided.", "status_code": "401" }9.3 The amount to be disbursed exceeds the current balance of the entity
{ "disbursement_status": "failed", "status_description": "Sorry, the amount to be disbursed exceeds you budget limit, please contact your support team", "status_code": "400" } -
Test e-wallet numbers
IMPORTANT Note:
these numbers will get success response on staging environment only-
Test number for vodafone issuer
01023456789 -
Test number for etisalat issuer
01123456789 -
Test number for orange issuer
01223456789 -
Test number for bank_wallet issuer
01123416789 -
Test number for bank_card issuer
1111222233334444 -
Test IBAN number for bank_card issuer
EG829299835722904511873050307 -
Test account number for instant_bank issuer
1234567890123456 -
Test IBAN number for instant_bank issuer
EG187277769381221446527989011
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NOTE: Transactions on wallet take notime to get final status (on the spot)
NOTE: Transactions on bank_card take 2 Working Days to get final status
NOTE: Transactions on instant_bank are processed through bulk channels and status updates are received asynchronously (typically within minutes to hours)
NOTE: customer_bears_fees parameter behavior: - When
customer_bears_feesis true: Customer pays fees. Merchant's budget is charged only the transaction amount. Customer receives amount minus fees and VAT. - Whencustomer_bears_feesis false (default): Merchant pays fees. Merchant's budget is charged amount plus fees and VAT. Customer receives the full amount. - For returned/rejected transactions (due to incorrect details): Ifcustomer_bears_feesis true, the merchant is refunded the amount minus fees and VAT (fees are penalty). If false, the merchant is refunded the full amount only. - For failed transactions (system/bank errors): The merchant is always refunded based on what was originally charged from their budget.