Mobile money deposits allow clients to transfer money into their savings accounts using mobile money services. This feature uses the mobile money request-to-pay API, where a payment request is sent to the client's mobile phone.

Important Note

Mobile money deposits cannot be initiated from the Symba Payments portal. They are initiated by clients via the USSD application.

How it works

• A deposit record is created with 'pending' status
• The mobile money provider sends a payment request to the client's phone
• When the client approves the payment on their phone, the mobile money provider notifies the system
• The deposit is automatically processed and the funds are credited to the savings account
• The deposit status changes to 'succeeded'

When deposits get stuck

A mobile money deposit becomes "stuck" when the payment provider's response is ambiguous. This can happen in these situations:

• Payment request timeout - The request timed out before the client responded
• Provider server error - The provider returned an error with unclear payment status
• Recording failed - Payment was confirmed received but failed to record in Microbanking
• Unknown error - An unexpected error occurred

If a deposit gets stuck, it must be manually resolved by verifying whether the payment was actually received and choosing the appropriate action.

Related Topics

• Cash deposits
• Resolving stuck deposits
• Monitoring deposits