> ## Documentation Index
> Fetch the complete documentation index at: https://developer.me-cash.com/llms.txt
> Use this file to discover all available pages before exploring further.
# API
> Latest production changes for the meCash API Platform.
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](mailto:support@me-cash.com) and we can share archived notes.
## 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.
## API Platform
**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:
| **Channel** | **Charge Bearer** | **Description** |
| :------------------ | :---------------- | :---------------------------------------------------------- |
| `SWIFT_CUSTOMER` | Sender | The sending customer bears all transfer charges. |
| `SWIFT_SHARED` | Both parties | Transfer charges are shared between sender and beneficiary. |
| `SWIFT_BENEFICIARY` | Beneficiary | The beneficiary bears all transfer charges. |
**Backward Compatibility**
* Integrations still sending `paymentChannel: "SWIFT"` should migrate to `SWIFT_CUSTOMER`, `SWIFT_SHARED`, or `SWIFT_BENEFICIARY` at the earliest opportunity.
* Choose `SWIFT_CUSTOMER` 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_CUSTOMER`, `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.