Products · Utility Payments

Utility Payments

Turn your balance into stock you can sell: airtime and utility products, paid for from your platform balance, with provider commissions credited back to you on every sale.

Make a sale

curl https://omniway.online/v1/utilities/payments \
  -H "Authorization: Bearer sk_live_..." -H "Content-Type: application/json" \
  -H "Idempotency-Key: airtime-0611-021" \
  -d '{
    "provider": "ECONET",
    "provider_product": "AIRTIME",
    "amount_cents": 100,
    "currency": "USD",
    "destination_account": "3007720001110",
    "narration": "Airtime — counter sale"
  }'

{
  "id": "…",
  "object": "utility_payment",
  "status": "completed",
  "provider": "ECONET",
  "provider_product": "AIRTIME",
  "amount_cents": 100,
  "fees": [],
  "commissions": [
    { "name": "Commission", "description": "DebitCommission", "amount": "3" }
  ],
  "reference": "POSMB3KA01XYZ12"
}

How the money moves

Debit

The face value (utility_sale, −100) leaves your balance — only if it fits, same no-overdraft rules as payouts.

→

Deliver

The provider credits the customer's account/phone. The customer pays you cash (or you price it into a basket).

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Commission

Any provider commission (utility_commission, +3) is credited back to your balance automatically.

If the provider call fails, the sale is marked failed and your debit is compensated automatically — your statement shows both lines, your balance is whole.

Fields

Field	Required	Notes
`provider`	yes	Provider code, e.g. `ECONET`. Your account's enabled providers are agreed at onboarding.
`provider_product`	yes	Product within the provider, e.g. `AIRTIME`.
`amount_cents` / `currency`	yes	Face value in cents; `USD` or `ZWG`.
`destination_account`	yes	The account being topped up — resolve a phone number with account lookup first.
`additional_data`	no	Provider-specific extras (object), passed through as required by the product.

✦

Float management

Utility sales draw on the same balance as payouts — if you sell a lot of airtime, schedule payouts so you keep enough float. Your CSV statement separates utility_sale and utility_commission lines for margin tracking per day.

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