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Stay on top of API changes that could impact your integration. Each entry notes the rollout status plus any required follow-up.
Looking for something earlier? Reach out to support@me-cash.com and we can share archived notes.

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How to read these notes

  • Status clarifies whether the update is fully live or rolling out.
  • Action needed highlights anything developers must do (schema updates, new scopes, SDK upgrades, etc.).
  • Heads-up calls out upcoming deprecations so you can plan ahead.

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API Platform

Payouts & Recipients
  • EUR Payouts: EUR payout responses now include the recipient’s bank country.
  • Recipient Bank Details: Improved recipient bank information handling, including sort-code support for applicable banks.
  • KES Transfers: Updated Kenya country-code handling to use the appropriate international phone-code format.
  • Transaction Reliability: Fixed production issues that could result in invalid sort-code errors during transactions.
  • Sender Type: Improved sender information handling so SELF is represented consistently instead of being incorrectly identified as Individual.
RAMP
  • RAMP Quotes: Fixed an issue where quote creation was unavailable, improving the RAMP transaction flow.
Currency Exchange
  • Currency Swap: Improved the currency swap response to provide transaction fee and processing-time information correctly.
  • Exchange Rate Display: Corrected exchange-rate labeling to make the direction of the rate clearer.
API Compatibility
  • API Endpoints & Payloads: Updated the available API endpoint and payload structures to reflect the current API and improve compatibility as older endpoints are deprecated.
New Features
  • Wallet capabilities: Added support for USD wallet capabilities.
  • Instant wallets: Wallet availability can now indicate whether a wallet is instant.
Enhancements
  • Duplicate transactions: Improved transaction handling to prevent duplicate transactions.
  • CAD recipients: Improved CAD recipient creation for both Bank Transfer and SWIFT beneficiaries.
  • Bank country: Improved destination bank country handling for SWIFT and Bank Transfer transactions.
  • POBO: Standardized “Myself” sender information across payout routes.
  • Account name: Improved account name handling so the account name provided in a request is displayed correctly.
  • Error responses: Improved error messaging and validation for clearer API responses.
Bug Fixes
  • Fixed an issue with sender address information that could cause payout requests to fail.
  • Fixed an issue that could prevent USD SWIFT payouts from being submitted when using “Others” as the sender information.
  • Fixed an issue where wallet transaction data was not being returned correctly.
  • Fixed an issue where transaction values were not displaying correctly in API reports.
New Features
  • Wallet capabilities: Added API support for USD wallet capabilities.
  • Multi-currency payments: Improved handling of incoming foreign-currency payments into USD master accounts, automatically routing funds to the appropriate currency wallet.
Enhancements
  • Destination country: Added destination country information to recipient creation for supported international transfers.
  • Account Number / IBAN: Recipient creation now accepts either an account number or IBAN, providing greater flexibility for international payouts.
  • Dynamic payout forms: Introduced a more flexible payout form structure that supports different recipient requirements across payout routes.
  • EUR payouts: Updated EUR payout fields to provide a more consistent experience with existing payout routes.
  • API response codes: Improved API responses with standardized response codes for more consistent error handling.
  • Wallet details: Improved wallet account-detail handling for supported currencies.
Bug Fixes
  • Fixed an issue causing USD-to-CNY payout requests to return errors.
New Features
  • EUR recipient enhancements: Added support for specifying destination countries when creating EUR recipients, improving coverage across supported European payout corridors.
  • Recipient management APIs: Introduced support for creating, retrieving, and managing saved recipients for repeat transfers.
  • Sender information support: Added sender address book capabilities to simplify recurring international payment requests.
  • USD wallet funding details: Enhanced wallet APIs to return funding instructions for USD wallets.
Enhancements
  • Transaction details enrichment: Expanded transaction responses to include additional source account information and payment metadata.
  • Validation improvements: Standardized validation rules and error responses across recipient, sender, and transaction endpoints.
  • Phone number validation: Improved backend validation to reject invalid phone number formats before processing requests.
  • EUR transfer support: Extended validation and processing for supported EUR destinations.
  • Performance improvements: Optimized transaction processing and API response times across several payment flows.
Bug Fixes
  • Fixed an issue that caused errors when processing EUR recipient requests.
  • Fixed delayed retrieval of USD transaction details.
  • Fixed missing funding account information in USD and EUR wallet responses.
  • Fixed source account information returning empty values in transaction responses.
  • Fixed a USD to CNY exchange rate issue that could result in server errors.
  • Fixed refund processing issues affecting USD transactions.
  • Fixed OTP validation failures during transaction confirmation.
  • Resolved several API stability and performance issues across transaction and payout endpoints.
Action needed: No integration changes are required. These updates are backward compatible with existing API integrations.
New Features
  • SWIFT Payment Channel Split: The generic SWIFT payment channel has been replaced with three explicit charge-bearer variants to give integrators finer control over who absorbs wire-transfer fees:
Backward Compatibility
  • Integrations still sending paymentChannel: "SWIFT" should migrate to SWIFT_OUR, SWIFT_SHARED, or SWIFT_BENEFICIARY at the earliest opportunity.
  • Choose SWIFT_OUR if your platform absorbs the full cost of the transfer.
  • Choose SWIFT_SHARED if transfer charges should be deducted from the beneficiary’s received amount.
  • Choose SWIFT_BENEFICIARY if the beneficiary should bear all transfer charges.
Action needed: Update your payout request payloads to use SWIFT_OUR, SWIFT_SHARED, or SWIFT_BENEFICIARY in place of the deprecated SWIFT value for USD Transactions. No other fields change — recipient account details, sender details, and quote request format remain identical.
New Features
  • Mobile Money Collections API: Introduced API endpoints for collecting payments via mobile money across multiple African currencies.
  • Bulk Payout for Businesses: Enabled businesses to process multiple payouts in a single request, improving operational efficiency.
  • Pay with Mobile Money: Added support for mobile money as a payment method within API integrations.
  • Pay by Bank App Integration: Introduced support for bank-based payment flows through API integrations.
Enhancements
  • Nickname validation (API level): Added backend validation to ensure nickname consistency across platforms.
  • Removed account validation constraints: Improved compatibility with diverse account formats globally.
  • Standardized backend error responses: Unified error structures for easier debugging and integration.
  • API response codes implementation: Introduced consistent response codes for a better developer experience.
  • Multi-user access (roles & permissions): Enabled role-based access control and scalable user management.
  • IP allowlisting enforcement: Added an extra layer of security by restricting access to approved IPs.
  • Webhook enhancements (settledAmount field): Expanded webhook payloads to include settlement information.
  • Transaction activity logging: Improved auditability by logging all transaction-related actions.
  • CloudWatch monitoring integration: Enhanced system observability and performance monitoring.
  • Sandbox & testing improvements: Improved API testing reliability and sandbox environment setup.
Bug Fixes
  • Static quote currency issue: Fixed incorrect handling of quote currencies during transaction creation.
  • Missing account number in response: Ensured account numbers are returned correctly in API responses.
  • Phone number validation gaps: Strengthened validation to prevent malformed inputs.
  • Incorrect transaction status (refunded vs completed): Fixed status inconsistencies for refunded transactions.
  • Sandbox account response issue: Corrected invalid account object responses in sandbox.
  • Admin transaction server error: Resolved backend errors affecting admin transaction views.
  • Stamp duty inconsistencies: Fixed incorrect stamp duty deductions in API transactions.
New Features & Enhancements
  • Mobile Money Collections API: Exposed a new API to discover supported providers and request mobile money payments in RWF, KES, TZS, and MWK.
  • Webhook Enhancements: Updated collections webhooks to explicitly provide fund sender details.
  • Virtual Cards & Rates APIs: Implemented APIs to fetch exchange rates for virtual cards and manage rates independently of payment channels.
  • Static Accounts: Backend update to natively accept accountName based on customer type (retail or business).
  • Response Updates: Updated recipient and payout creation responses to return source of funds and echo back all payload details.
Documentation Updates
  • Restricted USD payouts to SWIFT only (removed “Bank Transfer” option).
  • Cleaned out legacy payout references from developer docs.
  • Removed restrictions tying country bank lists to specific route IDs.
New Features & Enhancements
  • Standardized Error Responses: Unified the structure of error responses across all backend services to provide consistent and predictable feedback for frontend and mobile integrations.
  • Partner Integration Comms: Established standardized communication protocols for managing USD virtual account data with Modena.
Infrastructure & Performance
  • Optimized Account Retrieval: Updated the virtual account flow to fetch existing account numbers from the database rather than repeatedly calling partner APIs, reducing latency and avoiding downtime.
  • Deployment Versioning: Upgraded the infrastructure (Terraform) to ensure services only deploy specific image versions rather than defaulting to “latest,” preventing accidental overrides.
New Features
  • Crypto On-Ramp Endpoints: We have exposed new endpoints to support fiat-to-crypto transactions. You can now fetch real-time exchange rates, view fee breakdowns (network vs. transaction fees), and initiate crypto purchases (BTC, ETH, USDT) using NGN.
  • Credit Transaction Retrieval: A dedicated endpoint has been added for retrieving and posting credit transactions, ensuring reliable querying for transaction history integrations.
  • Dynamic Pricing Configuration: We introduced endpoints to fetch pricing configurations directly from our backend (integrated with Sanity). This allows for dynamic pricing updates without requiring client-side code changes.
Improvements
  • Payout Validation Enforcement: To reduce failed transactions, we now enforce mandatory field validation at the API level for USD, EUR, and GBP payout instructions. Incomplete payloads will now return specific validation errors before processing.
  • Virtual Account Naming: The accountName parameter for Dynamic Virtual Accounts is now optional. If omitted during creation, the system will automatically default to using the registered business name.
  • Optimized Payout Payloads: We have removed the need to send redundant country and currency fields in the Payout API payload, as these are now inherited directly from the associated Quote object.
Fixes
  • Login Error Messages: Standardized error responses for failed login attempts. The API now returns a specific “Invalid login credentials” message instead of a generic server error.
  • Added new outbound payment routes so you can reach more corridors without custom onboarding—check the API Reference for the latest supported destinationCountry values.
  • accountName is now supported on dynamic virtual account creation, letting you assign customer-friendly names; when omitted, we automatically fall back to your registered business name.
Action needed: Pass accountName anywhere you need campaign- or store-specific labeling, and refresh your routing matrix to take advantage of the new payout corridors.