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Transactions are a way to manage value on and between accounts in the Mobie wallet. Every transaction can be either a debit or a credit. In simple terms debit reduces an account’s balance and a credit increases an account’s balance. A transfer can be thought of as a 2-step transaction where one user is debited and another is credited the required amount. This structure allows for easy verification of balances and can be used to back track to a specific point in time to discover what the balance was.

Every transaction has a status that can be used to gauge the state of the transaction. The statuses are:

status description
Initiating processing the transaction insert
Pending the transaction has passed all validation
Complete the transaction has been applied to the account currency’s balance.
Failed the transaction and the balance have been reverted


Transactions are essentially logs of actions on an account balance. With this in mind, transactions contain information that can be used to identify who made the transaction, what the transaction was made on, and how the transaction impacted the account.

A full transaction object looks like:

    "status": "success",
    "data": {
        "id": "00000000-0000-0000-0000-000000000000",
        "tx_type": "credit",
        "subtype": null,
        "note": "",
        "metadata": {},
        "status": "Pending",
        "reference": null,
        "amount": 500,
        "fee": 0,
        "total_amount": 500,
        "balance": 0,
        "account": "0000000000",
        "label": "Credit",
        "company": "mobie_prod",
        "currency": {
            "description": "Rand",
            "code": "ZAR",
            "symbol": "R",
            "unit": "rand",
            "divisibility": 2
        "source_transaction": null,
        "destination_transaction": null,
        "messages": [],
        "fees": [],
        "created": 1476691969394,
        "updated": 1496135465287

A debit transaction will look much the same as the above, except the amount will be a negative value and the tx_type will be Debit.

On the other hand a transfer will have some additional information in the source_transaction or destination_transaction attributes. As stated previously, transfers are simply debits/credits themselves. So, if a transfer is made between two accounts 2 transactions will be created:

  1. A debit transaction reducing the balance of the sender. In addition the destination_transaction attribute will be populated with a pointer to the receiver transaction.
  2. A credit transaction increasing the balance of the receiver. In addition the source_transaction attribute will be populated with a pointer to the sender transaction.


section type URL methods
user multiple https://api.mobiepay.io/3/transactions/ GET, POST
user single https://api.mobiepay.io/3/transactions/<id>/ GET, PUT,PATCH
user single https://api.mobiepay.io/3/transactions/transfer/ POST
user single https://api.mobiepay.io/3/transactions/debit/ POST
user single https://api.mobiepay.io/3/transactions/credit/ POST


Usage remains the same for all endpoints in Mobie. Simply invoke one of the allowed HTTP methods with the correct Content-Type and a Authorization header.