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We are excited to share the latest updates from August 2024! Here’s a summary of the improvements, and bug fixes we’ve released, all designed with our users in mind:

## Improvements
**Chimoney Web App Dashboard Updates**

We’ve made significant enhancements to the Chimoney web app dashboard for a more intuitive experience:

1. **Reorganized Navigation & UI:** The dashboard is now divided into four main sections: Dashboard, Payments, Developers & API, and Identity Management for easier access to key features.
![Bulk pay.png](/uploads/Bulk_pay_4d3bd622ee.png)

2. **New Pages in the Dashboard Section:**

 - **Dashboard Page:** Send payouts globally and manage multi-currency wallets.

 - **Transactions Page:** View and filter all transactions, with a new option to download statements.

- **Organizations Page:** Create organizations and add team members for collaboration.

- **Transaction Insights Page:** Access analytics, key metrics, trend analysis, and redemption tracking.
![Insights.png](/uploads/Insights_665e727baf.png)

3. **Payments Section Updates:** All payment-related features are now consolidated into a single section with new pages like Bulk Pay, Groups, Quick Pay, Collections, and Payables to streamline your payment operations.
![Pay.png](/uploads/Pay_ebbdbbd9a2.png)
4. **Dedicated Developers & API Section:** New pages for API Credentials and Webhooks to give developers better control over their API integrations and webhook management.
![Dev.png](/uploads/Dev_7cd8e0e7a7.png)

Explore these updates by logging into your Chimoney account at [**dash.chimoney.io**](http://dash.chimoney.io)!


**UPA Page Enhancements:**
  - We updated the UPA page (Payment Profile) to allow saving contacts on mobile devices, making it easier for you to manage your contacts on the go.
   ![shots (6).png](/uploads/shots_6_7c9e32ad15.png)
  - We also added a QR code on the page.
![shots (9).png](/uploads/shots_9_b66d344850.png)

**Payment Profile Visibility:**
  - We now display payment profiles regardless of Interledger support (presence of an Interledger Payment Pointer)

**Swagger Documentation Update:**
  - We updated the [**Redeem Gift Card**](https://api.chimoney.io/api-docs/#/Redeem/post_v0_2_redeem_gift_card) endpoint by adding a detailed schema under `redeemOptions`. This schema now explicitly lists `email`, `countryCode`, and `productId` as properties, each with corresponding types and example values, to provide you with better clarity. We also defined the `chiRef` and `redeemOptions` as required fields.
  
  - We removed redundant `email` and `phoneNumber` fields from the [**Multi-currency wallets transfer**](https://api.chimoney.io/api-docs/#/MultiCurrency%20Wallets/post_v0_2_multicurrency_wallets_transfer) endpoint request schema. The transfer process now prioritizes the `receiver` field, which accepts a valid Chimoney Multi-currency Account, User, or Organization ID, while retaining key fields like `originCurrency`, `receiver`, and `destinationCurrency` to streamline your transfer experience.
  
  - We also removed the `subAccount` field from the request schema in the [**Get Public Profile of a Chimoney User**](https://api.chimoney.io/api-docs/#/Account/post_v0_2_accounts_public_profile) endpoint but maintained the `userID`, `linkCode`, and `p_id` fields to ensure clear and precise account identification.

**Bulk Send App Process Enhancements:**
  - The mobile money provider selection dropdown is now dynamically populated based on the selected country, ensuring that you can only select valid mobile money providers specific to your region.
   
![shots (7).png](/uploads/shots_7_24ca12d066.png)
  
  - We updated the label for the country selection dropdown from "Mobile money provider" to "Country of Provider" for improved clarity and ease of use.
  
![shots (8).png](/uploads/shots_8_f69b1b3dd0.png)
  - We now check that all required fields (_email, phone number, country, mobile money code, and full name_) are populated before enabling the verification process, preventing incomplete redemptions and ensuring a smooth experience for you.
  
  - We expanded the webhook handler logic to calculate the expected amount based on the currency and convert amounts between currencies when necessary, ensuring accurate and reliable payment processing.
  
  - We updated the checkout page with a dynamic filter option, showing only the relevant payment methods selected by users (e.g., Card/Bank, Crypto, and Chimoney), instead of all default payment options, to make the process more intuitive.


## Fixes

- We’ve ensured that you are securely redirected to the appropriate URL based on your KYC status (complete or ineligible) after completing the verification process.


Discover the latest fixes and updates from August 2024.

August 2024 Changelog

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## Introduction
We are excited to announce the next chapter in our partnership with the [Interledger Foundation](https://interledger.org/news/interledger-foundation-partners-chimoney)! Building on the success of our [Interledger Financial Services Research Grant](https://chimoney.io/blogs/chimoney-and-interledger-bridging-global-payment-systems-for-the-future/), we're thrilled to announce an expansion of the Partnership to enable Interledger Support in Chimoney’s Multicurrency Wallets. This advancement marks a significant leap towards our mission of financial inclusion and economic empowerment.

## Economic Empowerment with Enhanced Interledger Integration
At Chimoney, we believe that financial services should be a universal right, not a privilege. Our integration will significantly boost the capability of Chimoney Wallets. This will enable secure and compliant transactions using Interledger Payment Pointers, facilitate Peer-to-Peer (P2P) transfers, and ensure seamless cross-border payments, expanding digital financial services to tens of thousands of users globally.

## Key Benefits of The Interledger Integration:
- **Interledger Payment Pointers:** Ensures secure and compliant transactions.
- **Peer-to-Peer (P2P) Transfers:** Facilitates easy and instant transfers between our users.
- **Seamless Cross-Border Payments:** Enhances global financial money movement through Chimoney [Global Payouts](https://chimoney.io/payouts/) and [Payment Infrastructure and APIs.](https://chimoney.io/developers-api/)
- **Web Monetization:** Offers new ways for our users to earn and spend money online through micropayment powered by Interledger.

## Advancing Global Financial Inclusion and Innovation
Our collaboration with the Interledger Foundation is more than just a partnership; it's a commitment to breaking down financial barriers and democratizing access to financial services. The Chimoney Interledger App, along with the enhanced integration, represents a step towards realizing our vision of a financially inclusive world where everyone is empowered to earn, spend, and send money freely like Chi*.

## Join the Movement
- **For Fintech Builders and Innovators:** Ready to integrate inclusive financial solutions into your platform? Partner with Chimoney and leverage our improved Interledger capabilities. [Book a demo today](https://chimoney.io/demo)

- **For Our Global Community:** Follow us on [Twitter](https://twitter.com/chimoney_io), [LinkedIn](https://www.linkedin.com/company/chimoney/), and [Instagram](https://www.instagram.com/chimoney_io/) to stay updated on our progress and join us in our mission to democratize financial services worldwide. Together, let's build a world where financial empowerment is accessible to all.
___
_* Chi is your life force, the energy that flows through you and through everything. Chi in Chimoney is our vision to make money flow through every payment system in the world._

Chimoney expands its partnership with Interledger to enhance financial inclusion with secure, seamless global transactions.








Chimoney & Interledger: Expanding Global Financial Access

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We are excited to share the latest updates from June and July 2024! Here’s a summary of the new features, improvements, and bug fixes released during this period:

#### New Features

- **New Endpoints:**
  - We've introduced a new endpoint [`Get Community Members`](https://chimoney.readme.io/reference/get_v0-2-sub-account-community-members-1) that allows you to retrieve all members of a particular community via the Community ID.
  - Now, you can search for [Payee/Merchant information](https://chimoney.readme.io/reference/post_v0-2-info-bill-merchants-ca-1) and seamlessly integrate Canadian bill payments into your applications using the new [`Payout Canadian Bill Payment`](https://chimoney.readme.io/reference/post_v0-2-payouts-bills-ca-1) endpoint.
  
- **Personalized Onboarding Email:** New users on Sandbox now receive a personalized email from our CEO during onboarding. It’s our way of saying “Welcome to the family!”
![Pink Blue Purple Modern Gradient Music Youtube Banner.png](/uploads/Pink_Blue_Purple_Modern_Gradient_Music_Youtube_Banner_943f354da2.png)
  
- **[Use Case Page:](https://chimoney.io/api-use-cases/)** We’ve added a new use case page on the Chimoney website detailing various Chimoney API use cases. This page is your go-to guide for understanding how to leverage our API in real-world scenarios. 
  ![shots.png](/uploads/shots_e3668dd305.png)
- **[Developer Toolkit Page:](https://chimoney.io/toolkit/)** Our new developer toolkit page is live! It features resources and tools for developers, including documentation, SDKs, and integration guides, to ensure your development process with the Chimoney API  is smooth.
  
  ![shots (1).png](/uploads/shots_1_e627299ac3.png)

#### Improvements

- You can now add a personalized message of up to 250 characters in payout transaction bodies and API responses.
- We’ve refined the Transactions table logic to better display wallet-based transactions and incorporate user-specific currency wallets, making it easier for you to track your transactions.
- We enhanced the user search functionality on our Chimoney user management admin dashboard. Finding users is now quicker and simpler, just for you!
- The [Canadian bills payment endpoint](https://api.chimoney.io/api-docs/#/Payouts/post_v0_2_payouts_bills_ca) endpoint now supports USD/CAD with the optional debitCurrency parameter, and we’ve removed the valueInUSD limitation in the Swagger docs for more flexibility in your transactions.
- We’ve added the logic of cleaning up the organization’s member email list by removing users with invites still showing after acceptance, ensuring your lists are accurate and up-to-date.
- We updated the [privacy policy](https://chimoney.io/privacy-policy/) to provide a comprehensive legal framework for users.
- We also improved the UI of our [testimonials page](https://chimoney.io/testimonials/) to make browsing through user/client feedback a pleasant experience.
   
  ![shots (2).png](/uploads/shots_2_9d377d18ff.png)

#### Bug Fixes

- We’ve fixed the logic for marking transactions as debit or non-debit based on the issuer and wallet owner to ensure your transaction records are always accurate.

- Now, you are able to send money to wallets using account IDs.

- We've corrected the double card bug in the organization team section, caused by client IDs being added to both admin and member arrays, to keep your team list clean and accurate.

- We've prevented organization users from inviting already existing emails, including their own, to avoid duplicates and confusion. 

- Airtime redemption in Kenya is now restricted to Safaricom, ensuring a more reliable service for our Kenyan users.

- The organization onboarding process has been improved by rendering validation errors in real-time, allowing you to correct mistakes before form submission for a smoother experience.

We hope these updates enhance your experience with Chimoney! As always, we welcome your feedback and are here to help with any questions.

Read about the latest updates and improvements in our June/July 2024 Changelog, including new features, enhanced functionalities, and bug fixes.








June/July Changelog

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## Introduction

AI has been the talk of the town in recent years, with businesses exploring ways to integrate it into their operations. This drive is fueled by the efficiency AI offers and the competitive edge it provides. Accounts Payable (AP) operations, in particular, have significantly benefited from the AI boom. CFOs seeking to cut costs and reduce time spent on manual tasks have endorsed the integration of AI into their business processes. AI automation tools have proven immensely beneficial for businesses.

Reports indicate that AP automation and AI can lower processing costs by 60-70%, speed up processing times by 70-80%, and significantly reduce human errors. For instance, a study by Goldman Sachs* found that the total cost for manually processing an invoice was $16 for medium-sized businesses and $22.26 for small businesses, while automation reduced these costs to $5.89 and $6.89, respectively​​. Stampli's* research further demonstrated that companies could achieve a 70-80% reduction in processing time with AP automation, underscoring the efficiency gains possible with these technologies​​.

The integration of AI and AP automation tools not only optimizes costs and processing times but also enhances the accuracy of transactions, ultimately benefiting users and the broader digital financial ecosystem.

## Introducing Chimoney's AI Invoice Data Generator

Chimoney’s AI Invoice Data Generator makes handling invoices easier and faster by automating invoice processing. It connects seamlessly with existing financial systems, providing an ultimate solution for businesses looking to enhance their AP operations.

### Key Features of the Chimoney AI Invoice Data Generator

- **Invoice Creation:** Users can create invoices quickly and efficiently.

- **Download as PDF:** Generated invoices can be easily downloaded in PDF format for record-keeping and distribution.

- **Payment Link Generation:** The tool can generate a payment link directly from the invoice, facilitating smooth and secure payment flows.

## Process for API Implementation for Developers

### Prerequisites

Before we begin, ensure you have the following:

- A Chimoney developer account
- Your API key from the Chimoney Developer Portal
- Node.js installed on your machine
- Axios library installed in your project

>If you haven't set up your Chimoney developer account yet, refer to our [article](https://chimoney.io/blogs/chimoney-guide-series-101-an-introduction-to-the-chimoney-api/) on how to get started with the Chimoney API.

### Integration Process

- **Endpoint URL:** Use the following endpoint URL for integration: `https://api-v2-sandbox.chimoney.io/v0.2/ai/invoice/generate`

**Sending an Invoice for Processing**

1. **Authentication:** Add your API key to the request for authentication.
2. **Prepare the Invoice Data:** Format the invoice data as required by the API.
3. **API Request:** Send a POST request to the endpoint with the invoice data in JSON format.

```javascript
const axios = require('axios');

const apiKey = 'YOUR_API_KEY';
const invoiceData = {
  // Your invoice data here
};

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/ai/invoice/generate',
  headers: {
    'accept': 'application/json',
    'content-type': 'application/json',
    'Authorization': `Bearer ${apiKey}`
  },
  data: invoiceData
};

axios
  .request(options)
  .then(function (response) {
    console.log('Processed Invoice Data:', response.data);
  })
  .catch(function (error) {
    console.error('Error processing invoice:', error);
  });
  ```
### Handling the Response

- **Successful Response:** Upon successful processing, the API will return the extracted data.

- **Error Handling:** Handle potential errors by checking the response status and message.

## Using Chimoney SaaS for AI Invoice Data Generation for Businesses

For businesses that prefer a more straightforward approach without the need for API integration, Chimoney offers a SaaS solution that utilizes the AI Invoice Data Generator tool. Here’s how you can get started:

1. **Book a Demo Meeting:** [Schedule a demo with the Chimoney team](https://chimoney.io/?book_a_demo=1) to understand how the AI Invoice Data Generator can benefit your business.

2. **Sign Up for the Chimoney SaaS:** Create a Chimoney account at [dash.chimoney.io](https://dash.chimoney.io/).

3. **Access the AI Invoice Data Generator:** Navigate to the Payables and Receivables dashboard.

4. **Create and Manage Invoices:** Use the intuitive interface to create, manage, and download invoices as needed.

5. **Generate Payment Links:** Easily generate payment links directly from the invoices for smooth transactions.

## Benefits of Automating Invoices with Chimoney's AI Invoice Data Generator

Automating invoices with Chimoney's AI Invoice Data Generator offers several benefits:

- **Cost Reduction:** Automating invoice processing with Chimoney can cut costs by up to 70%. All data entry is handled, reducing labor costs and minimizing errors.

- **Speed and Efficiency:** The tool speeds up invoice processing by 73%, allowing faster payments and better cash flow management.

- **Accuracy:** Chimoney's AI Invoice Data Generator reduces errors by up to 40%, ensuring accurate financial records. This accuracy is crucial for maintaining trust and transparency in financial operations.

- **Scalability:** Chimoney's system can handle large volumes of invoices, making it ideal for growing businesses. The system adapts to increased workload without losing performance.

- **Consistency:** The tool ensures all invoices follow a standard format, maintaining professionalism and clarity in financial documents. This consistency aids in better financial tracking and audit readiness.

## Conclusion

By integrating Chimoney's AI Invoice Data Generator into your application or business, you can significantly streamline your invoicing process. This automation not only saves time and reduces errors but also enhances the overall efficiency of your financial operations. To learn more about how our AI Invoice Data Generator can benefit your business, [book a demo meeting with us today](https://chimoney.io/?book_a_demo=1).

In the next article of our Chimoney Integration Series, we will delve into handling multi-currency wallets. If you have any questions or need assistance, feel free to reach out to support@chimoney.io.

---

*Goldman Sachs. (2018). Global Technology B2B How the next payments frontier will unleash small business. https://www.gspublishing.com/content/research/en/reports/2019/09/04/201b4777-6217-4638-9701-fb98d67d9d5d.pdf  

*Stampli. https://www.stampli.com/blog/accounts-payable/ap-processing-times/


Learn how Chimoney's AI Invoice Data Generator can streamline your invoicing process, saving time and reducing costs.








Payment API 103: Automating Invoices with Chimoney's AI Invoice Data Generator

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Finding the right payment solution can greatly enhance your business operations, making them more efficient and improving the customer experience. Since handling payments is crucial for any business, choosing the best solution is essential. The right payment system should boost your business performance and meet your specific needs. Fortunately, there are many payment options available today.

In this article, we will guide you through selecting the ideal payment solution for your business. Additionally, we will explore why Chimoney stands out as an exceptional payment solution, offering unique features that can significantly improve your business operations.
## Understand your Specific Business Requirements

The first step to consider as you are in the process of deciding on the best payment solution is to evaluate the following; business model, transaction volume, customer base, and global reach.

### Business Model

Different business models have unique payment needs. For example, if your business is an online store, you’ll need a payment solution that supports various payment methods, such as credit/debit cards, digital wallets (like PayPal and Apple Pay), and bank transfers.

For businesses that offer subscription services, such as streaming platforms or SaaS companies, you’ll need a payment solution that handles recurring payments and supports automated billing cycles, flexible subscription plans, and easy payment updates.

Traditional retail stores will require a payment solution that supports in-person transactions. This includes POS (Point of Sale) systems that can process credit/debit card payments, contactless payments (like NFC), and mobile wallets.

### Customer Base

Depending on your services, customers will have their preferred payment option and this is also a key factor as you choose a payment solution. Different options that are currently available are:

- **Credit/Debit Cards:** These are commonly used worldwide and are essential for any payment solution. For example, in North America and Europe, credit cards are a dominant payment method. Ensuring your payment solution accepts major card networks like Visa, Mastercard, and American Express is vital.

- **Digital Wallets:** Digital wallets such as PayPal, Apple Pay, Google Wallet, and Samsung Pay have gained popularity, and younger demographics and those in regions with high smartphone penetration rates often prefer these methods due to their convenience and security features.

- **Bank Transfers:** In some regions, direct bank transfers are the preferred method of payment. This is particularly true in parts of Asia and Europe, where services like SEPA (Single Euro Payments Area) transfers and local bank transfer options are commonly used. In Canada, Interac e-Transfer is a popular option, enabling secure and quick bank transfers directly between accounts.

- **Mobile Money:** In Africa, particularly East Africa, mobile money has become the predominant payment solution. Mpesa, which originated in Kenya, is a prime example of this widespread adoption.

### Transaction Volume

- **Daily Transactions:** If your business processes a high volume of transactions daily, such as a popular e-commerce site during a sales event, you need a payment solution that can handle the load without delays or downtime. High transaction volume can impact processing times and fees, so it's important to choose a provider that offers robust infrastructure and competitive pricing.

- **Weekly/Monthly Transactions:** For businesses with more predictable or lower transaction volumes, such as a subscription service with monthly billing cycles, the focus should be on ensuring reliability and accuracy in recurring billing processes. The payment solution should handle scheduled payments seamlessly and provide clear reporting for financial management.

### Global Reach

If your business operates internationally, you need a payment solution that supports multiple currencies, cross-border transactions, and regulatory compliance:

- **Multiple Currencies:** Your payment solution should be capable of handling various currencies to cater to customers from different countries. This includes offering a currency conversion feature and multi-currency wallets.

- **Cross-Border Transactions:** International transactions can involve additional complexities, such as higher fees, regulatory compliance, and fraud risk, so it’s essential to choose a payment provider with experience in cross-border payments.

- **Regulatory Compliance:** Ensure your payment solution complies with international regulations and other local regulations. This ensures smooth operations and avoids legal issues.

## Key Features To Look For

Once you have a clear understanding of your business needs, evaluate the payment solutions available based on the following features:

- **Ease of Integration:** Choose a payment solution that can be easily integrated with your existing systems and platforms. Integration should be straightforward and minimally disruptive to your operations. 
[Chimoney offers a comprehensive API that ensures smooth and efficient integration](https://chimoney.io/developers-api/), making it easy to incorporate into your current workflow.

- **Security and Compliance:** Security is paramount when dealing with financial transactions. Ensure that the payment solution complies with industry standards and regulations. 
Chimoney provides security features, safeguarding both your transactions and customer data against potential threats.

- **Versatility and Flexibility:** An ideal payment solution should support various payment methods and currencies to cater to a diverse customer base. 
Chimoney excels in this area by offering [payouts to over 100 countries](https://chimoney.io/payouts), and multi-currency wallets in USD, CAD, and NGN. Users can also cash out to a variety of options including Bank transfers, Mobile Money, and Gift cards. This versatility ensures that you can meet the needs of different customers, regardless of their preferred payment method.

- **Cost-Effectiveness:** It's important to consider the costs involved with each payment solution, including transaction fees, setup fees, and any hidden charges. 
Chimoney provides transparent pricing, ensuring you understand what you're paying for and receive good value for your money.

- **Customer Support:** Reliable customer support is essential for promptly resolving any issues that may arise. 
Chimoney offers dedicated support to assist you whenever needed, ensuring that any problems are addressed quickly and efficiently. Good customer support can make a significant difference in maintaining smooth operations and customer satisfaction.

## Benefits of Choosing Chimoney

- **[Multi-Currency Wallet as a Service (WaaS)](https://chimoney.io/multi-currency-wallets/):** Chimoney’s Multi-Currency Wallet as a Service (WaaS) allows businesses to create and manage digital wallets effortlessly. This feature is particularly beneficial for businesses looking to offer a seamless and secure way for customers to store and use funds in multiple currencies. WaaS integrates smoothly with various platforms, providing both flexibility and ease of use, ensuring a seamless customer experience. 

  _For more details on Chimoney's Multi-currency wallets, you can read the blog post: [Exploring the Future of Global Payments with Multi-Currency Wallets](https://chimoney.io/blog/multi-currency-wallets)._

- **[Payouts to 100+ Countries:](https://chimoney.io/payouts/)** For businesses with a global reach, Chimoney’s ability to facilitate payouts in over 100 countries is a significant advantage. This feature ensures efficient management of international transactions, reducing the complexity and cost associated with cross-border payments. With Chimoney, businesses can streamline their international payout processes, enhancing operational efficiency and customer satisfaction. 

  _[Test out payouts here](https://chimoney.io/)._

- **[Developer API:](https://chimoney.io/developers-api/)** [Chimoney’s Developer API](https://chimoney.io/developers-api/) enables businesses to integrate advanced payment functionalities seamlessly. With comprehensive documentation, robust security, and real-time transaction monitoring, developers can quickly implement and customize payment solutions. The API supports multiple platforms, scales effortlessly, and facilitates transactions in over 100 countries, making it a versatile tool for businesses looking to streamline their payment processes and improve operational efficiency. 

   _For more details, read our blog post: [The Ultimate Guide to Simplifying Global Payouts for Your Business with API Solutions](https://chimoney.io/blog/api-solutions)._

- **[Payment Requests & Invoices:](https://chimoney.io/payment-requests/)** Chimoney’s Payment Request feature simplifies the process of requesting and receiving payments. Freelancers, service providers, and businesses dealing with multiple clients can benefit greatly from Chimoney’s Payment Requests feature. It streamlines your payment process, ensuring timely and accurate payments.

## Steps to Implementing Chimoney

1. **Assessment and Planning:** 
- Evaluate your current payment processes and identify areas for improvement.
- Determine how Chimoney can address these needs effectively. 
-  [Booking a demo meeting with us here](https://chimoney.io/demo) can provide you with a personalized walkthrough of our solutions, helping you understand how Chimoney can seamlessly integrate into your business and optimize your payment operations.

2. **API Integration and Customization:**
- Access Chimoney’s comprehensive [API documentation](https://chimoney.io/api-docs) to understand the various endpoints and functionalities available.
- Integrate the Chimoney API into your application using the sandbox environment provided by Chimoney to test all functionalities without processing real transactions.
- Customize the API integration to suit your business needs, including setting up payment workflows, configuring multi-currency wallets, and implementing payout mechanisms.

3. **Security and Compliance:**
- Implement security measures to protect sensitive data, leveraging Chimoney’s built-in security features and following best practices for API security.
- Ensure your integration complies with relevant financial regulations and standards, facilitating smooth operation across different regions.

4. **Testing and Go-Live:**
- Conduct thorough testing in a live environment to ensure everything works as expected, including transaction flows, error handling, and user experiences.
- Once all tests are successful, move your integration to the live environment and start processing real transactions.

5. **Monitoring and Support:**
- Use Chimoney’s dashboard to monitor transactions in real-time, quickly identifying and resolving any issues.
- Take advantage of Chimoney’s dedicated support team for assistance with any technical issues or questions post-implementation.

## Conclusion

Choosing the right payment solution is a strategic decision that can significantly impact your business’s efficiency and growth. By considering your business needs, evaluating key features, and leveraging the benefits of Chimoney, you can ensure a satisfying payment experience for your customers. [Book a meeting with us today to experience this](https://chimoney.io/demo).


Learn how to choose the best payment solution for your business and discover why Chimoney is the ideal choice.








A Guide to Choosing the Right Payment Solution for Your Business

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## Introduction
The Chimoney API's Account Endpoints allow for the management of user accounts and transactions, from retrieving transaction details to transferring funds between accounts. These endpoints are essential for verifying transaction status, ensuring record accuracy, and resolving disputes in transactions, which ultimately enhances customer support and financial management. Additionally, they facilitate user interaction through public profile retrieval, allowing users to share their social and payment links.

This article will guide you through using the Chimoney API's Account Endpoints to manage user accounts and transactions. You'll learn how to retrieve transaction details, transfer funds, and handle other essential operations to enhance customer support and financial management in your application.

## Prerequisites
Before we begin, ensure you have the following:

- A Chimoney developer account
- Your API key from the Chimoney Developer Portal
- Node.js installed on your machine
- Axios library installed in your project

> If you haven't set up your Chimoney developer account yet, refer to our [previous article](https://chimoney.io/blogs/chimoney-guide-series-101-an-introduction-to-the-chimoney-api/) on how to get started with the Chimoney API.

## Introduction to the Account Endpoints
The Account Endpoints are designed to handle various operations related to user accounts and transactions. Here’s a brief overview of the Account Endpoints:

1. **Get Transaction Details by issueID:** Retrieves the details of a specific transaction using its unique identifier.
2. **Get Public Profile of a Chimoney User:** Fetches the public profile information of a Chimoney user. [Example of a user profile](https://profile.chimoney.io/IOjQ4fAHCFbELfKbpYZxmRke7392)
3. **Get All Transactions by Account:** Retrieves all transactions associated with a specific account.
4. **Get Single Transaction Detail:** Retrieves the details of a single transaction.
5. **Account Transfer:** Transfers funds from one account to another.
6. **Delete an Unpaid Transaction:** Deletes an unpaid transaction. 

## Integrating the Endpoints
In this section, we will explore how to integrate each of the Chimoney API's Account Endpoints into your application. 
> **Note:** Ensure you are calling the correct endpoint URL (sandbox or production). If you encounter issues, kindly verify that the appropriate endpoint is being used.

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### 1. Get Transaction Details by issueID
**Endpoint:**
[POST /v0.2/accounts/issue-id-transactions](https://chimoney.readme.io/reference/post_v0-2-accounts-issue-id-transactions-1)

This endpoint allows you to retrieve the details of a specific transaction using its issueID. This is particularly useful when you need to verify the status or details of a transaction after it has been initiated.

**Application**
- Verify the details of a transaction to ensure it was processed correctly.
- Assist customer support in resolving queries related to specific transactions.

> Before we get started, you need to have an issueID. To get it you can initiate a test payout by following these steps:

- Visit the payout chimoney endpoint in the Chimoney API Documentation [here](https://chimoney.readme.io/reference/post_v0-2-payouts-chimoney-1).
![demo (14).png](/uploads/demo_14_349c27e058.png)
- Enter test details in the Body Params section;  `Recipient email address`, `Amount in USD to send`.
- Click the "Try It" Button, this will send a request to the Chimoney API and generate an issueID.
- After clicking "Try It", the issueID will be generated and displayed in the output console.
Copy the generated issueID.

#### Request Example
The code below makes a POST request to the Chimoney API using the Axios library in JavaScript. 
It sets up the request options in the options object and specifies the method as 'POST'. It provides the URL for the Chimoney API endpoint: [https://api-v2-sandbox.chimoney.io/v0.2/accounts/issue-id-transactions](https://api-v2-sandbox.chimoney.io/v0.2/accounts/issue-id-transactions). You will need to add your issueID at the end of this URL.

In the headers, include 'accept' as `application/json`, 'content-type' as `application/json`, and 'X-API-KEY' with your actual API key.
                                                                                                                                                           
```js.
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/accounts/issue-id-transactions?issueID= ' //Enter issueID,
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': ' ' //Enter your API Key
  }
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```
#### Sample Response
The response will include details of the specified transaction, such as the transaction amount, status, date, and any associated metadata. 

![demo (6).png](/uploads/demo_6_f74b7fd3de.png)

### 2. Get Public Profile of a Chimoney User
**Endpoint:**
[POST /v0.2/accounts/public-profile](https://chimoney.readme.io/reference/post_v0-2-accounts-public-profile-1)

This endpoint allows you to retrieve the public profile information of a Chimoney user including social media links.
[Example public profile page](https://profile.chimoney.io/IOjQ4fAHCFbELfKbpYZxmRke7392)

**Application**
- Display user profile information in your application.
- Build features that require user public information, such as user directories.

#### Request Example
Copy and paste the code below into your project where you need to make the API request. Replace 'user-id' in the data object with the actual user ID you want to query.

```js.
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/accounts/public-profile',
   headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': '_YOUR_API_KEY_'
  },
  data: { userId: ' ' } //Enter userID
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```
#### Sample Response
The response will contain the public profile information of the specified user, including their `payment data`, `social media links` , `username` and any other publicly available details.

![demo (12).png](/uploads/demo_12_bc31d77dc1.png)

### 3. Get All Transactions by Account
**Endpoint:**
[POST /v0.2/accounts/transactions](https://chimoney.readme.io/reference/post_v0-2-accounts-transactions-1)

This endpoint allows you to retrieve all transactions associated with a specific account. This is useful for generating account statements or for reviewing transaction history.

**Application**
- Generate detailed account statements for users.
- Review all transactions linked to a specific account for auditing purposes.

#### Request Example:
Enter the accountID whose transaction details you want to retrieve.

```js.
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/accounts/transactions',
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': '_YOUR_API_KEY_'
  },
  data: { accountId: ' ' } //Enter accountID
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```
#### Sample Response
The response will list all transactions associated with the specified account, including details such as transaction IDs, dates, amounts, and statuses.
![demo (7).png](/uploads/demo_7_bf17b1b340.png)

### 4. Get Single Transaction Detail
**Endpoint:**
[POST /v0.2/accounts/transaction](https://chimoney.readme.io/reference/post_v0-2-accounts-transaction-1)

This endpoint allows you to retrieve the details of a single transaction using its transactionID. This is particularly useful for verifying individual transactions and ensuring they were processed correctly.

**Application**

- Verify individual transactions to ensure they were completed successfully.
- Analyze the specifics of a transaction for reporting or troubleshooting.

#### Request Example
Enter the Transaction ID [t_ID] of the specific transaction whose details you want to retrieve.

```js.
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/accounts/transaction',
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': '_YOUR_API_KEY_'
  },
  data: { transactionID: 'transaction-id' }
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```
#### Sample Response
The response will include detailed information about the specified transaction, such as the transaction amount, date, status, and any associated metadata. 

![demo (8).png](/uploads/demo_8_1df9ad86e6.png)

### 5. Account Transfer
**Endpoint:**
[POST /v0.2/accounts/transfer](https://chimoney.readme.io/reference/post_v0-2-accounts-transfer-1)

This endpoint allows you to transfer funds from one account to another. This can be used for various purposes such as internal fund transfers or sending money to another user within your application.

**Application**
- Facilitate transfers between user accounts within your application.
- Implement payment features that require transferring funds between accounts.

#### Request Example
Enter the recipient's ID for the person you intend to pay out to.

```js.
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/accounts/transfer',
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': ' ' //Enter _YOUR_API_KEY_
  },
  data: {receiver: ' '} //Enter the recipient's ID
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```
#### Sample Response
The response will confirm the successful transfer of funds between the specified accounts, including details such as the `payment link`, `redeem data`, `status`, `transfer amount`, `payment date`. 

![demo (11).png](/uploads/demo_11_5deca2e3c2.png)


### 6. Delete an Unpaid Transaction
**Endpoint:**
[POST /v0.2/acconts/delete-unpaid-transactions](https://chimoney.readme.io/reference/delete_v0-2-accounts-delete-unpaid-transaction-1)

This endpoint allows you to delete an unpaid transaction using its transactionID. This is useful for cleaning up pending transactions that were not completed or need to be canceled.

**Application**
- Clean up unpaid transactions.
- Cancel transactions that were initiated by mistake.

#### Request Example

```js.
const axios = require('axios');

const options = {
  method: 'DELETE',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/accounts/delete-unpaid-transaction?chiRef= ', //Enter  chiRef ID
  headers: {
    accept: 'application/json',
    'X-API-KEY': ' ' //Enter YOUR_API_KEY
  }
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
  ```
  #### Sample Response
The response will confirm the successful deletion of the specified unpaid transaction, ensuring that it is removed from the transaction history.
![demo (9).png](/uploads/demo_9_bbce29f486.png)

## Conclusion
By following the provided examples and explanations, you should now be able to integrate these Chimoney Accounts endpoints into your application easily. 

Stay tuned for the next article in this series, where we will explore the AI endpoint of the Chimoney API. If you have any questions or need further assistance, please reach out to us at [support@chimoney.io](support@chimoney.io).

Happy coding with the Chimoney API!



Explore the Chimoney API's Account Endpoints in this guide, featuring detailed examples, use cases, and step-by-step integration instructions.








Payment API 102: Managing User Accounts with Chimoney's API

large_How Chimoney is Fueling the Growth of Canadian Fintech Startups@2x.png

medium_How Chimoney is Fueling the Growth of Canadian Fintech Startups@2x.png

small_How Chimoney is Fueling the Growth of Canadian Fintech Startups@2x.png

thumbnail_How Chimoney is Fueling the Growth of Canadian Fintech Startups@2x.png

How Chimoney is Fueling the Growth of Canadian Fintech Startups@2x.png

In Canada, the startup ecosystem is thriving, with a significant portion dedicated to fintech innovations. According to recent data, fintech startups constitute approximately 35% of all new startups in the country. These startups are tackling a wide range of financial challenges, from simplifying cross-border payments to enhancing financial inclusion for underserved communities. However, one common hurdle they all face is the complexity and cost of building and scaling financial infrastructure.

## Empowering Fintech Startups with Chimoney’s Innovative Solutions

Chimoney plays a pivotal role in supporting the growth of Canadian fintech startups by providing payment solutions tailored to their specific needs. Through services like Chimoney’s Interac e-Transfers, Interac Payment Collection, and Canadian Bill Payment integration, startups can accelerate their product development and market entry. These solutions offer fintech innovators the tools to streamline payment processes, enhance user experience, and scale their operations efficiently.

**Chimoney’s Interac Bulk Payments** simplifies handling multiple transactions, such as payroll and supplier payments, saving time and reducing administrative costs. This service ensures payments are processed efficiently, supporting startup growth in a competitive market. 
Moreover, **Chimoney’s Interac Payment Collection** feature empowers startups to accept payments from customers seamlessly. Whether it’s for remittances, subscriptions, purchases, or services rendered, this capability ensures that fintech startups can monetize their offerings effectively, thereby accelerating revenue growth.
Integrating **Chimoney’s Canadian Bill Payment** functionality further enhances the versatility of fintech solutions. Startups can offer their customers the convenience of paying bills directly from their bank accounts, reducing late payments and improving overall financial management.
## Additional Support for Startup Growth
Beyond payment solutions, Chimoney offers specialized services tailored to support the growth and scalability of Canadian fintech startups:
**Chimoney for Startups Service:**
**Global Bulk Payouts:** Startups can utilize Chimoney’s Global Bulk Payouts service free for 6 months, facilitating efficient cross-border transactions and international expansion.
**APIs & WaaS (Wallet as a Service):** Chimoney provides free access to Developer APIs for 6 months, empowering startups to build customized payment solutions and integrate seamlessly with their existing systems.
**Partner Perks and Discounts:** Startups gain access to Chimoney’s partner perks and discounts, fostering collaborations and reducing operational costs.
**Currency Conversion and Cash Out:** Chimoney supports currency conversion for payments in multiple currencies, with options to cash out to bank accounts, mobile money, 300+ gift cards, and airtime across 15 currencies.
**Dedicated Support:** Each startup benefits from a dedicated account manager and support team, ensuring personalized assistance and a seamless client experience.
Profit-Sharing Opportunities: Startups can embed the Unispend Marketplace in their web or mobile apps through profit-sharing arrangements, enhancing value propositions and revenue potential.

## Conclusion
By enabling startups to leverage advanced payment capabilities like Interac e-Transfers, Payment Collection, and Canadian Bill Payment integration, Chimoney empowers these innovators to focus on developing groundbreaking solutions that address real-world financial challenges.

Partnering with Chimoney on the Chimoney for Startups program enables Canadian fintech startups to accelerate their growth trajectory, expand their market reach, and deliver value-driven solutions that shape the future of finance.
Discover how Chimoney can accelerate your fintech startup’s journey by [booking a demo with us today.](https://chimoney.io/blogs/integrating-multicurrency-wallets-a-deep-dive-to-multi-currency-global-payouts/?book_a_demo=1)

Discover how Chimoney supports Canadian fintech startups with tailored payment solutions, enabling them to streamline operations, enhance user experiences, and accelerate growth in the competitive fintech landscape.






6

How Chimoney is Fueling the Growth of Canadian Fintech Startups

large_Top 5 Challenges Startups Face in Bulk Payments (And How Chimoney Solves Them)@2x.png

medium_Top 5 Challenges Startups Face in Bulk Payments (And How Chimoney Solves Them)@2x.png

small_Top 5 Challenges Startups Face in Bulk Payments (And How Chimoney Solves Them)@2x.png

thumbnail_Top 5 Challenges Startups Face in Bulk Payments (And How Chimoney Solves Them)@2x.png

Top 5 Challenges Startups Face in Bulk Payments (And How Chimoney Solves Them)@2x.png

Considering the high number of startups worldwide, especially in the fintech landscape, bulk payout solutions have become essential for managing large-scale transactions efficiently. These solutions enable startups to pay employees, contractors, vendors, and other stakeholders quickly and accurately. However, navigating the complexities of bulk payments presents several challenges. This article delves into the top five challenges Canadian startups face in bulk payments and how Chimoney can help solve them.

## The Importance of Global Bulk Payout Solutions

Global bulk payouts are pivotal for startups engaging with international employees, freelancers, and vendors. These solutions allow startups to manage payments across multiple currencies and countries efficiently. According to recent metrics, an increasing number of startups are leveraging global bulk payout solutions for:

- **Employee salaries:** Ensuring timely and accurate compensation for international teams.
- **Freelancer payments:** Facilitating seamless payments to freelancers across the globe.
- **Vendor payments:** Managing payments to international suppliers and service providers.

## Current Global Bulk Payout Solutions: An Overview

Global bulk payout solutions operate by integrating with a startup's existing financial systems, enabling the automation of large volumes of transactions. These systems often support various payment methods, including bank transfers, mobile money, and digital wallets. When a payment is initiated, the receiver gets the money through their preferred method, which can be in their local currency. This flexibility ensures that recipients can access their funds conveniently and promptly.

## Challenges in Bulk Payments and How Chimoney Solves Them

### Challenge 1: International Expansion and Compliance Regulations

**Problem:** Expanding globally involves navigating a complex web of regulatory requirements, which can be daunting for startups. Ensuring compliance with local laws and regulations across different countries is resource-intensive and challenging.

**Chimoney's Solution:** Chimoney simplifies international expansion by providing already-made payment partnerships. This allows startups to expand globally with ease, leveraging Chimoney's compliance expertise and established payment networks to ensure regulatory adherence and smooth operations.

### Challenge 2: Long Payout Processes

**Problem:** Traditional bulk payment processes can be slow and cumbersome, involving multiple steps and manual interventions. This not only delays payments but also increases the risk of errors.

**Chimoney's Solution:** Chimoney makes paying thousands of recipients as seamless as paying individuals. Its robust payout infrastructure automates the bulk payment process, significantly reducing the time and effort required to execute large volumes of transactions. This ensures that payments are processed quickly and accurately.

### Challenge 3: Financial Losses on Bank Commissions

**Problem:** High bank commissions and transaction fees can eat into a startup's budget, leading to significant financial losses over time, especially when dealing with international transactions.

**Chimoney's Solution:** Chimoney offers already-settled low transaction fees, minimizing the financial burden on startups. By negotiating favorable rates with payment partners, Chimoney ensures that startups can manage bulk payments cost-effectively, retaining more of their revenue.

### Challenge 4: Recipients Want to Get Paid in Different Ways

**Problem:** Recipients often have varied preferences for how they receive their payments, ranging from bank transfers to digital wallets and gift cards. Meeting these diverse needs can be complex and resource-intensive.

**Chimoney's Solution:** Chimoney provides recipients with multiple options to redeem their money, including Interac e-transfers, Interledger payments, mobile money, bank transfers, gift cards, airtime, and internet. This flexibility ensures that recipients can choose the most convenient and efficient payment method for them.

### Challenge 5: Cash Flow Management and Currency Conversion

**Problem:** Managing cash flow and currency conversion across multiple countries can be a logistical nightmare, leading to lost time, resources, and potential revenue due to unfavorable exchange rates.

**Chimoney's Solution:** Chimoney reduces payout processes and timing with multi-currency wallets that allow direct conversions on the platform. This streamlines currency management and minimizes losses associated with currency conversion, ensuring that startups can maintain healthy cash flow and optimize their financial operations.

## Conclusion

Managing bulk payments is a multifaceted challenge for Canadian startups, encompassing regulatory compliance, speed, cost, flexibility, and cash flow management. Chimoney addresses these challenges with innovative solutions that streamline and automate the bulk payment process, making it easier for startups to operate efficiently and scale globally.

By leveraging Chimoney's advanced payout infrastructure and flexible redemption options, Canadian startups can focus on their core business activities while ensuring their financial processes are robust and reliable.

Discover how Chimoney can revolutionize your bulk payment operations by [booking a demo with us today](https://www.chimoney.io/demo).


Discover the top 5 challenges Canadian startups face in bulk payments and how Chimoney's innovative solutions streamline processes, reduce costs, and ensure compliance, enabling efficient global operations and diverse payment options.








 Top 5 Challenges Startups Face in Bulk Payments (And How Chimoney Solves Them)

large_Payment API 101 Managing User Accounts with Chimoney's API.png

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small_Payment API 101 Managing User Accounts with Chimoney's API.png

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Payment API 101 Managing User Accounts with Chimoney's API.png

## Introduction

Cross-border payments have become increasingly popular and essential in today's global economy, benefiting both businesses and individuals. The Chimoney API addresses this need by offering payout and payment infrastructure. By using Chimoney, you can streamline cross-border payments, improve user experience, and expand your reach to over 130 countries.

This article showcases the key features of the Chimoney API and guides you through making your first Chimoney API call. For detailed examples and specific use cases, check out these blogs:

- [The Ultimate Guide to Simplifying Global Payouts for Your Business with API Solutions](https://chimoney.io/blogs/the-ultimate-guide-to-simplifying-global-payouts-for-your-business-with-api-solutions/)
- [Integrating Multicurrency Wallets: A Deep Dive into Multi-Currency Global Payouts](https://chimoney.io/blogs/integrating-multicurrency-wallets-a-deep-dive-to-multi-currency-global-payouts/)

Additionally, read about how Reeple is using our API for remittances to Africa in this [customer success story](https://chimoney.io/blogs/customer-success-story-reeple-s-seamless-remittance-solution-for-africans-powered-by-chimoney/). 

## What is Chimoney?

At its core, Chimoney is a provider of payment and payout infrastructure and an API, offering seamless cross-border payment solutions. Imagine a world where everyone, regardless of location or economic status, can easily receive payments and redeem them through international bank transfers, gift cards, airtime, and Mobile Money. This is precisely what Chimoney offers.

## What is the Chimoney API?
APIs _(Application Programming Interfaces)_ act as bridges allowing applications to communicate with each other. The Chimoney API enables the integration of Chimoney’s services into applications through various endpoints. It provides essential functionalities to streamline cross-border payments and improve user payment experiences via: 

- **Account and Sub-Account Management:** Create and manage user accounts and sub-accounts efficiently.
- **Multi-Currency Wallets:** Handle wallets that support multiple currencies seamlessly.
- **Global Payouts:** Facilitate payouts to over 130 countries with ease.
- **AI Invoice Generation:** Automatically generate invoices by writing a prompt.
- **Wallet and Account Transfers:** Perform transactions between different wallets and accounts.
- **Bill Payment:** Enable Canadian bill payment functionality within applications.
- **Interac Payouts and Payments**: Facilitate Payouts and collect Payments via Chimoney's Interac
- **Currency Conversions:** Manage conversions between various currencies effortlessly.
- **Payment Requests:** Initiate and manage payment requests effectively.
- **Redemption of Assets:** Redeem assets such as bank transfers and gift cards.


## Exploring Chimoney API Endpoints and Key Features

The Chimoney API is organized into several categories, each offering different Chimoney services:

#### Account Endpoints
- **Features:** Enable the creation and management of user accounts, retrieval of transaction details, and execution of account transfers.  
- **Example Endpoint:** [v0.2/accounts/transfer](https://chimoney.readme.io/reference/post_v0-2-accounts-transfer-1)


#### AI Endpoints
- **Features:** Utilize AI capabilities to automate the creation of invoices.                                   
- **Example Endpoint:** [v0.2/ai/invoice/generate](https://chimoney.readme.io/reference/post_v0-2-ai-invoice-generate)


#### Info Endpoints
- **Features:** Provide access to information such as exchange rates, Chimoney-supported countries and assets, and bank details.                                                                                                     
- **Example Endpoint:** [/v0.2/info/assets](https://chimoney.readme.io/reference/get_v0-2-info-assets-1)


#### Multi-Currency Wallets Endpoints
- **Features:** Enable the creation and management of wallets that support multiple currencies (CAD, USD, NGN). Facilitate transfers between wallets and other entities such as emails and phone numbers.                                                                                                                     
- **Example Endpoint:** [/v0.2/multicurrency-wallets/create](https://chimoney.readme.io/reference/post_v0-2-multicurrency-wallets-create)


#### Payment Endpoints
- **Features:** Enable the initiation and verification of payment requests, transactions, and payouts to various destinations, including banks, mobile money services, and gift cards.       
- **Example Endpoint:** [/v0.2/payment/initiate](https://chimoney.readme.io/reference/post_v0-2-payment-initiate-1)


#### Payout Endpoints
- **Features:** Support various types of payouts, such as bank transfers and gift cards.           
- **Example Endpoint:** [/v0.2/payouts/chimoney](https://chimoney.readme.io/reference/post_v0-2-payouts-chimoney-1)


#### Redeem Endpoints

- **Features:** Allow redemption of financial assets like airtime and gift cards.                           
- **Example Endpoint:** [/v0.2/redeem/any](https://chimoney.readme.io/reference/post_v0-2-redeem-any-1) 


#### Sub-Account Endpoints
- **Features:** Allow management of sub-accounts.                                                                               
- **Example Endpoint:** [/v0.2/sub-account/create](https://chimoney.readme.io/reference/post_v0-2-sub-account-create-1)

## Getting Started with Chimoney API

In this section, we'll guide you through the process of creating a Chimoney developer account, obtaining an API key, and initiating an API call with the Chimoney API.

### Step 1. Creating a Chimoney Developer Account

To begin integrating with the Chimoney API, you'll first need to create a developer account on the Chimoney platform. Follow these steps to get started:

1. **Visit the Chimoney Developer Portal:** Navigate to the Chimoney Developer Portal at [sandbox.chimoney.io](https://sandbox.chimoney.io).
![Pink Gradient Keep Going Desktop Wallpaper.png](/uploads/Pink_Gradient_Keep_Going_Desktop_Wallpaper_563e4dc80c.png)

2. **Create Account:** Click on create account to create your developer account and fill in your email address, and a password.
3. **Verify Your Email:** After signing up, Chimoney will send a verification email to the address you provided. Click the verification link in the email to confirm your account.
![Pink Gradient Keep Going Desktop Wallpaper (1).png](/uploads/Pink_Gradient_Keep_Going_Desktop_Wallpaper_1_d193749914.png)
4. **Complete Your Profile:** Once verified, log in to your Chimoney developer account and complete your onboarding. You can also opt to complete later by clicking on the _complete later_ button on the top right of the page.
![demo.png](/uploads/demo_36b4836823.png)

### Step 2. Obtaining an API Key

An API key is required to authenticate and authorize API requests to Chimoney. Here’s how you can obtain your API key:

1. **Navigate to Developers Tab:** Within the developer portal, create a new App.
![demo (1).png](/uploads/demo_1_f2cb69bf50.png)
![demo (3).png](/uploads/demo_3_019515b79c.png)
2. **Copy Your API Key:** Once you create a new App, your API Key will be generated. Copy the key securely as it will be used to authenticate your API requests.
![demo (4).png](/uploads/demo_4_70882be258.png)

### Step 3. Initiating API Calls with the Chimoney API

Now that you have your API key, you’re ready to start making API calls to Chimoney endpoints. Here’s a basic example of how to initiate an API call using Node.js:

#### Install Axios

First, you need to install the Axios in your project. You can do this using the following command:

```bash
npm install axios
```

After setting up your environment and installing Axios, you are ready to make your first call to the Chimoney API. The next step is to send a POST request to the Chimoney [Payout Chimoney](https://chimoney.readme.io/reference/post_v0-2-payouts-chimoney-1) endpoint, which allows the initiation of payouts. We'll explain each part of the code to ensure you understand how it works.

#### Import Axios

Start by importing the Axios library in your JavaScript file. Axios is a promise-based HTTP client for the browser and Node.js, which makes it easy to send asynchronous HTTP requests.

```js.
const axios = require('axios');
```

#### Configure Request Options

Define the options for the API request. The options include the HTTP method, the URL of the API endpoint, the headers, and the data to be sent.

- **Method:** Specify the HTTP method as 'POST' because we are sending data to create a new resource (initiate a payout).

- **URL:** Set the URL to the Chimoney Payout endpoint: [https://api-v2-sandbox.chimoney.io/v0.2/payouts/chimoney](https://api-v2-sandbox.chimoney.io/v0.2/payouts/chimoney). 

- **Headers:** Include the necessary headers:
  1. accept: The type of response data expected (in this case, JSON).
  2. content-type: The format of the data being sent (in this case, JSON).
  3. X-API-KEY: Your unique API key obtained from the Chimoney Developer Portal. Replace _YOUR_API_KEY_ with your actual API key.
 
 - **Data:** The data object contains the parameters required by the API. For the payout endpoint, you need to specify the `recipient's email` and the `amount in USD`. This data will be sent in the body of the POST request.

```js.
const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/payouts/chimoney',
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': '_YOUR_API_KEY_'
  },
  data: {
    chimoneys: [
      {
        email: 'test@gmail.com',
        valueInUSD: 10
      }
    ]
  }
};
```
> **Note:** Ensure you are calling the correct endpoint URL (sandbox or production). If you encounter issues, kindly verify that the appropriate endpoint is being used.

![demo (15) (1).png](/uploads/demo_15_1_4bb137117b.png)
#### Make the API Request
- Use Axios to send the request with the configured options. The `.request` method sends the HTTP request and returns a promise.

- **Then Method:** The `.then` method is used to handle the response when the request is successful. The response data is logged to the console.

- **Catch Method**: The `.catch` method is used to handle any errors that occur during the request. The error is logged to the console.

```js.
axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```

#### Complete Code Sample
Here’s the complete example code with additional comments to explain each part:

```js.
// Import the Axios library
const axios = require('axios');

// Configure the request options
const options = {
  method: 'POST', // HTTP method to use
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/payouts/chimoney', // API endpoint URL
  headers: { // HTTP headers to include
    accept: 'application/json', // Accept JSON response
    'content-type': 'application/json', // Sending JSON data
    'X-API-KEY': '_YOUR_API_KEY_' // Your Chimoney API key
  },
  data: { // Data to send in the request body
    chimoneys: [
      {
        email: 'test@gmail.com', // Recipient's email
        valueInUSD: 10 // Amount to payout in USD
      }
    ]
  }
};

// Send the API request
axios
  .request(options)
  .then(function (response) { // Handle successful response
    console.log(response.data); // Log the response data
  })
  .catch(function (error) { // Handle error
    console.error(error); // Log the error
  });
```
#### What to Expect
- When the API call is successful, you should see a response object in the console with details of the payout transaction like the example below
![demo (10).png](/uploads/demo_10_7388d10520.png)

- If there is an error (e.g., invalid API key, incorrect endpoint URL), the error details will be logged to the console.

## Conclusion
In the upcoming articles, we’ll explore the Chimoney API endpoints in greater detail. This concludes our initial setup guide for integrating with the Chimoney API. If you encounter any issues or have questions during the setup process, please reach out to us at [support@chimoney.io](support@chimoney.io) for assistance.

Happy coding with the Chimoney API!

Discover how to integrate with the Chimoney API in this introductory guide. Learn about Chimoney's payment solutions, key API endpoints, and step-by-step instructions for creating a developer account, obtaining an API key, and making your first API calls. 


Payment API 101: Getting Started with Chimoney's Integration and API

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Chimoney’s Canadian Bill Payment Endpoint and How it Works@2x.png


The Chimoney Canadian Bill Payment endpoint is designed to automate and streamline bill payments to various Canadian merchants. It ensures secure, quick, and accurate transactions, making it a great integration for businesses looking to manage their bill payments efficiently.

This article delves into the specifics of how Chimoney's Payout Canadian Bill Payment API works, highlighting practical applications, and its integration process.

## Key Features of the Canadian Bill Payment Endpoint

The Canadian Bill Payment endpoint of Chimoney's Payout API is tailored to meet the needs of users looking to pay bills directly from their applications. Here are some of its standout features:

- **Wide Range of Supported Billers:** The API supports a comprehensive list of Canadian billers, ensuring that users can pay most of their regular bills, such as utilities, telecom, and credit card bills, through a single interface.
- **Real-time Payment Processing:** Payments made through the API are processed in real time, ensuring that bills are paid promptly and reducing the risk of late fees or service interruptions.
- **Secure Transactions:** Security is a top priority for Chimoney. The API uses advanced encryption and security protocols to protect sensitive information and ensure that all transactions are secure.

## Practical Applications

Chimoney's Payout Canadian Bill Payment API can be used in various scenarios, including:

- **Personal Finance Apps:** Integration into personal finance apps allows users to manage and pay their bills directly from the app.
- **Corporate Expense Management:** Businesses can automate the payment of utility and service bills.
- **Financial Institutions:** Banks and financial service providers can offer bill payment services to their customers, adding value to their offerings.
- **Flexible Payment Options:** Users can choose from various payment methods, including direct bank transfers, making it convenient to pay bills using their preferred method.
- **Tuition Payments:** Schools and universities can integrate the API to automate the collection of tuition fees from students.
## Integration Guide
To get started with the Payout Canadian Bill Payment endpoint using Nodejs, you first need to download the axios by running this:

```
npm install axios
```

Then you need to authenticate and make a POST request. Here is a sample code snippet demonstrating the process:

```
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api.chimoney.io/v0.2/payouts/bills/ca',
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': '97608b5f3b966e0aed35614b308a90e0f9e301296711e70af51cafb875786c03'
  }
```

This snippet initializes axios, authenticates using an API key, and makes a request to the Canadian bill payment endpoint. The response is logged to the console if successful, or an error is logged if the request fails.

## Body Parameters

Executing a bill payment requires several parameters. These parameters are passed in the body of the POST request:

- `subAccount` (string): Specifies the subaccount (wallet account) to payout from. Optional.
- `turnOffNotification` (boolean): If true, disables email and other notifications from Chimoney. Optional.
- `debitCurrency` (string): Specifies the wallet currency to debit from.
- `billingData` (array of objects): Contains the billing details. Required.

### Billing Data Object Parameters

Each object in the `billingData` array must include the following fields:

- `email` (string): Required. The email of the payer.
- `firstname` (string): Required. The first name of the payer.
- `lastname` (string): Required. The last name of the payer.
- `payeeCode` (string): Required. The merchant's payee code.
- `payeeName` (string): Required. The merchant's payee name.
- `valueInUSD` (string): Required. The amount to pay the merchant in USD.
- `amount` (string): Required. The amount to pay the merchant.
- `accountID` (string): Required. The customer's account number for the specified payee.
- `narration` (string): Optional. A brief description of the transaction provided by the merchant.
- `collectionPaymentIssueID` (string): Optional. The issue ID for the payment payout initiated.

## Example of a Complete Request Body

Here is an example of how the request body might look:

```javascript
const axios = require('axios');

const options = {
  method: 'POST',
  url: 'https://api-v2-sandbox.chimoney.io/v0.2/payouts/bills/ca',
  headers: {
    accept: 'application/json',
    'content-type': 'application/json',
    'X-API-KEY': '97608b5f3b966e0aed35614b308a90e0f9e301296711e70af51cafb875786c03'
  },
  data: {
    billingData: [
      {
        email: 'payer@example.com',
        firstname: 'John',
        lastname: 'Doe',
        payeeCode: 'M123',
        payeeName: 'Utility Company',
        valueInUSD: '100.00',
        amount: '130.00',
        accountID: 'ACC12345678',
        narration: 'June utility bill payment',
        collectionPaymentIssueID: 'ISSUE98765'
      }
    ],
    subAccount: 'sub12345',
    turnOffNotification: false,
    debitCurrency: 'CAD'
  }
};

axios
  .request(options)
  .then(function (response) {
    console.log(response.data);
  })
  .catch(function (error) {
    console.error(error);
  });
```
In this example, the `subAccount` and `turnOffNotification` fields are optional and can be omitted if not needed. The `billingData` array contains an object with all the required details for the bill payment.

## Conclusion

Chimoney's Payout Canadian Bill Payment endpoint is a great integration for automating bill payments. Businesses and organizations can integrate it into their systems to enhance efficiency and accuracy in handling Canadian bill payments. 

[Book a meeting](https://chimoney.io/?book_a_demo=1) today to learn more about how Chimoney's Payout API can benefit your business.


The Chimoney Canadian Bill Payment endpoint is designed to automate and streamline bill payments to various Canadian merchants. It ensures secure, quick, and accurate transactions, making it a great integration for businesses looking to manage their bill payments efficiently. This article delves into the specifics of how Chimoney's Payout Canadian Bill Payment API works, highlighting practical applications and its integration process.



Chimoney’s Canadian Bill Payment Endpoint and How it Works

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Expanding a business internationally is exciting, but managing cross-border payments comes with its own share of challenges. Dealing with different currencies, regulations, and payment methods make it complicated. Chimoney’s API and infrastructure can help make these payments easier and smoother.

In this guide, we’ll look at the main aspects of cross-border payments and show how Chimoney’s API can help businesses handle common challenges, making global expansion easier.

### Understanding Cross-Border Payments

Cross-border payments involve transactions where the payer and the payee are in different countries. These transactions can be complex due to varying regulations, currency conversions, and different banking systems. Key components of cross-border payments include:

- **Currency Conversion:** Converting one currency to another at the current exchange rate.
- **Compliance and Regulation:** Adhering to the legal and regulatory requirements of each country involved in the transaction.
- **Payment Methods:** Accommodating different payment preferences and methods across countries.

### Challenges in Cross-Border Payments

Businesses face several challenges when dealing with cross-border payments:

- **High Fees:** Traditional cross-border transactions often come with high fees, including conversion fees and transaction fees.
- **Slow Processing Times:** International transactions can take several days to process.
- **Regulatory Compliance:** Navigating the regulatory landscape of multiple countries can be complex and time-consuming.
- **Currency Fluctuations:** Exchange rates can fluctuate, impacting the amount received by the payee.

### How Chimoney's API Simplifies Cross-Border Payments

Chimoney's API is designed to address these challenges, providing businesses with a robust solution for managing cross-border payments efficiently.

- **Cost-Effective Transactions:** Chimoney's API offers competitive exchange rates and low transaction fees, helping businesses save on costs associated with cross-border payments.
- **Fast Processing Times:** Chimoney's API enables real-time processing of cross-border transactions, significantly reducing the time it takes for funds to reach the recipient.
- **Regulatory Compliance:** Chimoney's API is designed with compliance in mind, ensuring that all transactions adhere to the regulatory requirements of each country involved.
- **Multiple Payment Methods:** Chimoney's API supports a wide range of payment methods, allowing businesses to cater to the preferences of their international recipients.
- **Currency Conversion:** Chimoney's API handles currency conversion seamlessly, providing accurate and transparent exchange rates.

### Integrating Chimoney's API: A Step-by-Step Guide

Integrating Chimoney's API into your business can greatly simplify your cross-border payment processes. For a detailed walkthrough, please refer to our comprehensive blog post on [Integrating Chimoney's Global Payouts API](https://chimoney.io/blogs/the-ultimate-guide-to-simplifying-global-payouts-for-your-business-with-api-solutions/).

## Conclusion

Navigating cross-border payments doesn't have to be complex and costly. With Chimoney's API, businesses can streamline their international transactions, reduce costs, and ensure compliance with regulatory requirements. By leveraging the power of Chimoney's technology, businesses can focus on what matters most: growing their global footprint and delivering value to their international clients and partners.

[Book a demo](https://chimoney.io/?book_a_demo=1) with us today to see how Chimoney can transform your cross-border payment processes and support your business's global expansion.


Learn how to venture into an efficient global expansion with Chimoney's API! Discover how to simplify cross-border payments, reduce costs, and ensure compliance. Book a demo now for a seamless international payment strategy.







 Chimoney's Guide to Navigating Cross-Border Payments and Global Expansion

large_Why Canadian Startups Are Switching to Chimoney for Bulk Payouts@2x.png

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According to KPMG's 2022 Global Technology Report*, a significant number of Canadian businesses are leveraging technology to advance their business strategies, with digital transformation playing a key role in improving efficiency and profitability. The global payments sector is experiencing substantial growth, with projections suggesting it will have an annual revenue growth of 9 percent by 2026.*

In this context, [Chimoney](https://chimoney.io/) has emerged as a leading solution for Canadian startups seeking to optimize their bulk payout procedures. In this article, we’ll explore the primary reasons why an increasing number of startups are choosing Chimoney, with relevant insights.

## Key Reasons Startups Are Choosing Chimoney

### 1. Chimoney-Interac Integration
[Chimoney’s INTERAC™ e-Transfer Bulk Payments](https://chimoney.io/blogs/interac-e-transfer-bulk-for-canadian-businesses-integration-and-api/) make it easy to send payouts to recipients across Canada. Additionally, the Chimoney Interac Collection API facilitates the efficient collection of payments from Canadian users. This integration appeals to startups seeking seamless, reliable, and scalable payment solutions that easily fit into their existing systems.

For example, [Reeple](https://www.reeple.ai/), a Canadian-based fintech company, integrates Chimoney’s Interac Collection API to collect funds from their clients. They then use the [Chimoney Payout API](https://chimoney.io/blogs/the-ultimate-guide-to-simplifying-global-payouts-for-your-business-with-api-solutions/) to facilitate smooth cross-border transfers, ensuring that funds sent from Canada reliably and securely reach their intended recipients in Africa.

### 2. Ease of Integration
[Chimoney](https://chimoney.io/) offers a straightforward API that simplifies the integration process for startups. Instead of juggling multiple payment APIs and dealing with complex compliance requirements, startups can seamlessly incorporate Chimoney’s payout services.

Startups that have adopted the [Chimoney API](https://chimoney.io/developers-api/) consistently praise its well-documented, straightforward integration process. The clear and concise [documentation](https://chimoney.readme.io/reference/introduction) reduces the time and effort needed for implementation, allowing engineering teams to focus on core business functionalities. 

### 3. Multi-Currency Support
With support for multiple currencies including USD, CAD, and NGN, [Chimoney](#) enables startups to handle international payouts effortlessly. This feature is particularly beneficial for startups aiming to expand their reach globally, eliminating the hassle of currency conversion.

Since partnering with [Chimoney](https://chimoney.io/), [Gamepride](https://www.gamepride.io/) has been able to expand across multiple countries allowing them to expand their reach and provide a seamless experience for their customers.

### 4. Real-Time Tracking and Reporting
[Chimoney](https://chimoney.io/) provides a user-friendly admin dashboard for real-time transaction tracking and detailed reporting. This feature helps startups maintain transparency and make informed financial decisions, enhancing their operational efficiency. Startups like Reeple have testified to improved financial decision-making, citing the dashboard’s ability to download detailed transaction statements, which they can share with investors and advisors. Additionally, the real-time tracking feature enables them to update customers on the status of their transactions promptly.

### 5. Scalability
As startups grow, so do their payout needs. [Chimoney](https://chimoney.io/)’s scalable solutions ensure that startups can handle increasing transaction volumes without sacrificing efficiency or security.

[Payfi](https://payfi.ca/), a fintech company specializing in rent guarantee and credit-building services for immigrants and international students, scaled its payout operations by 500% within 2 months of using Chimoney, without experiencing any disruptions.

## The Preferred Choice for Canadian Startups

In conclusion, Chimoney emerges as the optimal solution for Canadian startups seeking to streamline their bulk payout processes. The integration of Chimoney offers a seamless experience, combining ease of integration, real-time tracking, scalability, and exceptional customer support.

## Ready to Get Started?

[Book a meeting](https://chimoney.io/?book_a_demo=1) with us today and join the ranks of startups confidently prioritizing their core business activities with the assurance that their payout processes are in good hands.

___
*KPMG. (2022). Global technology report. https://assets.kpmg.com/content/dam/kpmg/ca/pdf/2022/11/KPMG-2022-global-technology-report-canada-en.pdf

*McKinsey.(2022). Global Payments Report. https://www.mckinsey.com/industries/financial-services/our-insights/the-2022-mckinsey-global-payments-report



Discover why Canadian startups are choosing Chimoney for bulk payouts. Learn about the seamless integration, multi-currency support, enhanced security, cost-effectiveness, and exceptional customer support that make Chimoney the preferred choice for modern businesses.


Why Canadian Startups Are Choosing Chimoney for Bulk Payouts

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Here’s a summary of new features, improvements & bug fixes released during May.

## New Features
- **Wallet page:** Added a Wallet page for user wallet details and navigation.
![Screenshot from 2024-07-03 23-31-30.png](/uploads/Screenshot_from_2024_07_03_23_31_30_15dae288ff.png)
- **Individual self-onboarding:** Introduced individual self-onboarding with verification and profile updates.
- **Sub-account support:** Added support for sub-accounts in transaction limit checks and enabled sub-account creation with email addresses.
- **KYC auto-approval:** Implemented auto-approval of KYC submissions for eligible users.
- **CSV export:** Allowed for exportation of transaction data to CSV format.
![Screenshot from 2024-07-03 23-34-35.png](/uploads/Screenshot_from_2024_07_03_23_34_35_b39f616d64.png)

## Improvements
- Enhanced validation for multicurrency transfers.
- Added the ability to fetch and display user wallets on the [Organisations Page](https://dash.chimoney.io/company/manage).
- Introduced visualizations and a tabbed interface for easier navigation between transaction lists and charts.
- Enhanced email notifications with detailed information about fee earnings, including transaction counts and dates.
- Added quick filter functionality to transaction details for efficient data search.
![Screenshot from 2024-07-03 23-42-10.png](/uploads/Screenshot_from_2024_07_03_23_42_10_86aac2d233.png)


### API Updates
- Modified API documentation in [MultiCurrencyWallets transfer endpoint](https://api.chimoney.io/api-docs/#/MultiCurrency%20Wallets/post_v0_2_multicurrency_wallets_transfer) to include a `narration` field in the request body.
- Implemented a new endpoint [/v0.2/sub-account/community/members](https://api.chimoney.io/api-docs/#/SubAccount/get_v0_2_sub_account_community_members) to fetch community members.
- Modified the [Swagger documentation](https://api.chimoney.io/api-docs/#/SubAccount/get_v0_2_sub_account_community_members) to include the `startAfterId` parameter description for fetching community members.
- Added the "paid" status to the list of accepted statuses in the [/v0.2/payment/simulate endpoint](https://chimoney.readme.io/reference/post_v0-2-payment-simulate-1).

## Bug Fixes
- Corrected email subject in notifications for accuracy.
- Fixed frontend bugs related to NFC Link Codes and email template URLs.
- Fixed display issues with recipient denominations and calculation errors.



Explore Chimoney's May updates featuring a new admin dashboard, improved authentication and security, enhanced user experience, API updates, and crucial bug fixes for better transaction processing and display accuracy.

May 2024 Changelog

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Here’s a summary of new features, improvements & bug fixes released during April 2024.

## New Features
**OTP on Payout**: Added an OTP verification field during Payouts requiring users to enter an OTP before proceeding to payout.

**Finance Dashboard**: Introduced a new financial dashboard for comprehensive monitoring and management, offering insights into transactional data such as total volume, opening/closing balances, credit/debit amounts, and detailed transaction information like date, batch ID, sender/recipient, and balance, enabling efficient financial analysis and statement generation.
![image (1).png](/uploads/image_1_2ee3141381.png)

**User Achievement Badges**: Introduced badges for user achievements such as completing KYC and utilizing the API.

![image.png](/uploads/image_2f08e48b53.png)
## Improvements

**Updated Supported Assets List**: Removed "Scrim" and added "Chimoney App" and "Virtual Card" with updated details for "INTERAC™ e-Transfer 🇨🇦".

**API Performance Optimization**
- Enhanced API performance by optimizing payout functions, adding a Chimoney parameter for [personalized messaging when sending Interac](https://chimoney.readme.io/reference/post_v0-2-payouts-interac), and improving email templates to include transaction comments.
- [Bank branch retrieval flexibility](https://chimoney.readme.io/reference/get_v0-2-info-bank-branches) was improved by allowing it to accept either bankID or bankCode parameters, ensuring compatibility with different bank identification systems.

**UI/UX Enhancements**
  - Updated titles and descriptions for balance cards (USD, CAD, Momo Wallets), simplified Interledger Payment Pointer description, clarified INTERAC™ e-Transfer details, and enhanced referral information.

**Redeem and Funding Updates**:
  - Added "cancel-transaction" redeem type.
    - Updated funding options to include "Interac".
  - Allowed payment options with Card/Bank.
  - Adjusted currency handling while paying with card, added alerts for exceeding payment limits, and updated Stripe integration.

**Badge Updates**: Optimized badge assignment and point calculation for badge management while also enhancing team creation and wallet updates to reward users for key actions like first payouts, bulk payouts, and funding.

**PDF Transaction Statements**: Users can now download transaction statements as PDFs. Introduced a new Screen component for quick PDF previews, including Download/Print functionality and pagination support.

**Payout Validation**: Updated the transfer limit for both airtime and mobile money transfers to $10,000, increased from $1,000.

**Interac Transactions Date Range**: Adjusted the date range for fetching Interac transactions from the past 2 days to the past 3 days for broader and more accurate transaction capture.


**API Docs Update**: 
  - Updated route summaries for [/v0.2/info/convert/local-amount-to-usd](https://api.chimoney.io/api-docs/#/Info/get_v0_2_info_convert_local_amount_to_usd) and [/v0.2/info/convert/usd-to-local-amount](https://api.chimoney.io/api-docs/#/Info/get_v0_2_info_convert_usd_to_local_amount).
  - Updated [Developer API documentation](https://chimoney.readme.io/reference/post_v0-2-sub-account-community-create) to include requirements for community-related properties such as `communityID`, `membershipID`, and `memberName`.
  - Updated the description object under Chimoney's Payload in [payout Chimoney](https://chimoney.readme.io/reference/post_v0-2-payouts-chimoney-1) endpoint to accept an empty value.
  - You can now fetch Chimoney transactions using their [unique transaction IDs](https://chimoney.readme.io/reference/post_v0-2-accounts-transaction-1) (t_id) alongside the existing method of fetching transactions by their issue IDs (issueID).

## Bug Fixes
- Resolved issues with Interac payments, improving transaction processing and Stripe checkout accuracy.
- Fixed authentication and user identification errors during payouts.
- Corrected currency mapping inconsistencies and enhanced wallet redemption handling.
- Improved validation and error handling in API endpoints.
- Enhanced security with data masking and safeguarding sensitive information in API requests and responses.
- Addressed minor issues with badge updates and profile rendering bugs.


Feature's Chimoney's latest April updates, featuring new OTP verification for payouts, community banner ads, an enhanced financial dashboard, user achievement badges, API and UI/UX improvements, SEO optimization, and crucial bug fixes ensuring smoother transaction processing and user experience

April 2024 Changelog

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_TL;DR: Chimoney App empowers global communities by offering free, seamless cross-border payments and multi-currency wallets. Partner with us to give your members access to reliable financial tools and exclusive benefits. Join our mission to foster financial inclusion and global connectivity._
____
We recently launched the [**Chimoney App**](https://chimoney.app/download), designed to empower communities by offering seamless, cross-border payment solutions. Our multi-currency wallets allow communities to manage and transfer funds globally without any fees, breaking down financial barriers and fostering economic growth.

## Our Mission
At Chimoney, our mission is to unlock equal economic opportunities for everyone. We aim to achieve this by providing a platform that supports financial inclusion and global connectivity. We believe everyone should have access to reliable financial tools, no matter where they are. Our app makes cross-border payments fast, secure, and free of charge, so community members can focus on building and thriving together.

## ISIC Partnership
We have partnered with [**ISIC (International Student Identity Card)**](https://www.isic.org/) to provide free ISIC memberships to 5,000 students in the US unlocking discounts on flight tickets, hotel accommodations, and more. Chimoney is also now listed on the ISIC discounts page and official members can get free access to the Chimoney App which allows them to make cross-border transactions at no-cost via multi-currency wallets.

These partnership shows our commitment to empowering communities and providing valuable financial services to their members. 

## Partner with Us!
We are looking to expand our network and invite global communities to join us. If you would like your community to benefit from the Chimoney App, we want to hear from you! By partnering with us, you can offer your members access to powerful financial tools and exclusive benefits that enhance their overall experience.

## How to Partner with Us
Partnering with Chimoney is simple.  
- Simply [**fill out this form**](https://docs.google.com/forms/d/e/1FAIpQLSfiH4pj8fwrKQwlREtWRiDxq3XME0qTHcufi0kd_PcRA-UaIQ/viewform)  
- Our team will review your application and get back to you promptly to discuss potential collaboration.

## Why Partner with Chimoney?

- **Empower Your Community:** Provide your members with access to free global transactions, multi-currency wallets (USD, CAD, NDN, and soon EUR), and fast, secure cross-border transactions.
- **Increased Visibility:** Partner communities will be listed on the Chimoney App, expanding their reach and attracting more members to join the community.
- **Access to Exclusive Community Benefits:** Partner communities' members can join other communities listed on Chimoney App such as ISIC to access exclusive benefits offered by other communities, such as discounts on travel and special perks.
- **Global Connectivity:** Enable seamless cross-border transactions that foster international relationships and opportunities.

## Get in Touch

We are excited about the future and the possibilities that come with partnering with communities worldwide. Join us in our mission to create a more inclusive and connected world.

If you have any questions or would like more information, please contact us at [community@chimoney.io](mailto:community@chimoney.io). We look forward to the opportunity to work together and empower your community with the Chimoney App.
___
_**Empower your community today by partnering with Chimoney. Together, we can make a difference!**_

Discover how Chimoney App is empowering global communities by offering seamless, no-cost cross-border payments and multi-currency wallets. Partner with us to provide your members with powerful financial tools and exclusive benefits.



Partner with Us to Empower Your Community with Chimoney App!

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We're thrilled to announce that OSCA Nairobi, a distinguished chapter of [Open Source Community Africa](https://oscafrica.org/) (OSCA) is now listed on the Chimoney App! 

## About OSCA Nairobi
Open Source Community Africa Nairobi (OSCA Nairobi) is a community for open source lovers, enthusiasts, advocates, and experts within and across Kenya with the sole aim of increasing the rate of credible contributions by Kenyan software developers, designers, writers, and everyone involved in the sphere of technology to open source projects both locally and globally, changing the perception of Kenyans from just the billion users to the Next Billion Creators. 

## Chimoney App x OSCA Nairobi Benefits
At Chimoney, we're committed to empowering communities with cutting-edge financial solutions. By partnering with OSCA Nairobi, we're unlocking a world of opportunities for both current OSCA members and potentially new members.

### Benefits for Current OSCA Members

- **Exclusive Access to the Chimoney App:** OSCA Nairobi members now have privileged access to the Chimoney App, a powerful platform designed for seamless global payments. With multi-currency wallets at their fingertips, OSCA members can effortlessly send and receive payments across borders, transcending geographical boundaries with ease.

- **Participation in Global Communities:** Through Chimoney, OSCA Nairobi members can join and be part of other global communities listed on the Chimoney App, accessing their benefits from travel perks to lifestyle rewards.

### Benefits for Non-Members

- **Exclusive Invitation:** As part of our collaboration, OSCA Nairobi extends a warm invitation to non-members to join their esteemed community.

- **Access to Chimoney App:** Upon joining OSCA Nairobi, new members gain instant access to the Chimoney App, enabling them to enjoy the same perks and privileges as existing members.

## How to Access the Benefits

Getting started is simple:

- **[Download the Chimoney App](https://chimoney.app/download)**: Head to your app store and download the Chimoney app to your device.

- **Create Your Chimoney Account:** Sign up for a Chimoney account within the app. It's quick, easy, and completely free!

- **Link Your Community Membership**: Complete the community membership linking process  by entering your OSCA Nairobi membership details and the unique access code.

- **Enjoy the Benefits**: Once you've linked your community membership, you're all set to enjoy the exclusive perks and privileges offered by Chimoney and OSCA Nairobi.

## Stay Connected

Be sure to follow us on our social channels for more exciting updates!

- Chimoney: [LinkedIn](https://www.linkedin.com/company/chimoney/) and [Twitter](https://twitter.com/chimoney_io)
- OSCA Nairobi: [Twitter](https://twitter.com/osca_nairobi?lang=en) and [Discord](https://bit.ly/osca-dis)

Chimoney has partnered with OSCA Nairobi to provide exclusive perks for both OSCA Nairobi members and non-members including multi-currency wallets and global community benefits. Simply download the app, link your membership, and start enjoying seamless payments and collaboration. Don't miss out—join the Chimoney App today!








OSCA Nairobi is now a listed  Community on Chimoney App!

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### Introduction

From growing up in Nigeria to completing University in Canada to working in San Francisco, and now building a Start in Toronto, Canada, I’ve seen firsthand how the right payment solutions can transform businesses and personal transactions. In this blog post, we will dive into a comparative analysis of three major players in the payment space: Interac, Zelle, and Cash App. Each platform offers unique advantages, but for Canadian users and businesses looking to expand or streamline their payment processes especially locally, understanding these differences is key.

### Interac: Canada’s Homegrown Solution

Interac stands out as a distinctly Canadian solution, deeply integrated into the financial ecosystem of the country. It allows users to send money directly between bank accounts without intermediary steps, making it highly trusted for both personal and business transactions. Here’s what Chimoney brings to the table with Interac API offers:

1. **Instant Payment Acceptance**: Businesses can receive payments up to $10,000 instantly, significantly speeding up cash flow.
2. **Bulk Payout Capabilities:** Ideal for paying out gig workers or distributing prizes, Interac enables mass payouts directly to recipients' bank accounts via email. Check out our blog post to learn how to send Interac Bulk Payouts via API.
3. **Payment Requests:** Simplify billing by requesting payments directly via email with instant payment through Interac, ensuring timely receivables. In addition to the Interac Request Money Feature, you can also use Chimoney’s Payment Request Feature which allows you to request Money and gives the payer the option to pay with Interac, Card, Bank transfer, and other options.

### Zelle: The American Connection

Originally designed to compete with the likes of PayPal and Venmo, Zelle is embraced primarily by U.S. banks, offering seamless transactions without fees. While it facilitates instant transfers among U.S. bank accounts, its integration in Canada is limited, as it requires U.S. bank partnerships.

### Cash App: Flexibility in Payments

Cash App has revolutionized the peer-to-peer payment landscape by allowing users not only to send and receive money but also to invest in stocks and cryptocurrencies. Although popular in the U.S., its functionality in Canada is constrained by regulatory and financial infrastructure differences.

### Analysis of Payment Options
![Comparision Interac vs Zelle vs Cashapp .png](/uploads/Comparision_Interac_vs_Zelle_vs_Cashapp_4b777992da.png)

### The Power of Instant Confirmation

Imagine a Canadian online platform, "Maple Goods," which used to wait days to confirm payments from international buyers—slowing down both their operations and delivery times. After integrating Chimoney's Payment Infrastructure, Maple Goods now confirms payments up to $10k instantly. Their buyers pay with their local currency with Card or Bank Transfers, powered by Chimoney, and Chimoney disburses the funds locally to Maple Goods via Interac the same day. This shift not only improves their operational efficiency but also enhances customer satisfaction by speeding up order processing times.

### Use Cases of Interac

Interac’s flexibility and integration into the Canadian financial ecosystem make it a versatile tool for various transactions. Here’s how Chimoney Infrastructure with Interac support and Infrastructure can enable these use cases:

#### Rent Payments

- - **Scenario**: Property management companies can collect monthly rent directly from tenants’ bank accounts using Interac.
    - **Chimoney’s Role**: Automate rent collection processes, reducing administrative overhead and ensuring timely payments.
    - **API Link**: [Chimoney API for Initiating Payment Request](https://chimoney.readme.io/reference/post_v0-2-payment-initiate-1)

#### Freelance and Gig Worker Payouts

- - **Scenario**: Platforms that hire freelancers for projects need an efficient way to distribute payments upon project completion.
    - **Chimoney’s Role**: Enable instant payouts to freelancers' bank accounts, enhancing satisfaction and trust.
    - API Link: [Chimoney Payouts to Interac API](https://chimoney.readme.io/reference/post_v0-2-payouts-interac)

#### E-commerce Transactions

- - **Scenario**: Online retailers require a secure method for customers to pay for goods instantly.
    - **Chimoney’s Role**: Provide e-commerce platforms with a secure, instant payment gateway using Interac, minimizing fraud and chargebacks.
    - API Link: [Chimoney Create Payment Link API](https://chimoney.readme.io/reference/post_v0-2-payment-initiate-1) and [Chimoney’s Payment Collection Widget](https://chimoney.github.io/payment-widget/)

#### Tuition Fee Payments

- - **Scenario**: Educational institutions often receive payments from both local and international students.
    - **Chimoney’s Role:** Facilitate seamless tuition fee transactions, offering a straightforward solution for students to pay their fees on time, locally via Interac, and internationally via local options. And settle the Educational Institution quickly via Interac.
    - API Link: Chimoney Education Payment Solutions

#### Donations and Fundraising

- - **Scenario**: Non-profits and charities need a reliable method to accept donations without high fees.
    - **Chimoney’s Role**: Enable charities to receive donations directly through Interac, ensuring more funds go directly to their causes.
    - API Link: Chimoney for Non-profits

These use cases illustrate just a few of the ways that Chimoney leverages Interac to provide robust, flexible, and instant financial solutions for a variety of sectors. To explore more about how Chimoney can integrate with your existing Payment Flow, visit our [Product Page](https://chimoney.io/producthub/) or [Chimoney Developer Documentation](https://chimoney.readme.io/reference/sandbox-environment).

### Conclusion

For Canadian businesses and platforms, Interac offers a tailored, robust solution that integrates seamlessly with the banking system, providing both security and efficiency. Platforms like Zelle and Cash App, while powerful in the U.S., face limitations in Canada due to the specific financial and regulatory landscape.

The comparison of the Payment systems in Canada and the US lays a foundation for additional articles I will write about Payment systems across different countries. Stay tuned.

And don’t forget to visit [Chimoney’s official website](https://chimoney.io/) to learn more about how our Payment Infrastructure and API which has Interac payout and collection support can transform your transaction processes today!

This blog post dives into a comparative analysis of three major players in the payment space: Interac, Zelle, and Cash App

Interac vs. Zelle vs. Cash App: Navigating the Canadian Payment Landscape

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We're thrilled to announce that [International Student Identity Card (ISIC)](https://www.isic.org/) is the first community to be listed on the Chimoney App!

## About ISIC

The International Student Identity Card (ISIC) is globally recognized as proof of student status and offers access to over 150,000 discounts and benefits in over 130 countries. These benefits include discounts on travel, accommodations, entertainment, and more, making ISIC an invaluable resource for students worldwide.

## Chimoney x ISIC Partnership Benefits
Our partnership with ISIC enhances the global community experience, offering amazing benefits for both ISIC and Non-ISIC members alike.

**For Non-ISIC Members:**

- **Complimentary ISIC Memberships**: First 5,000 US students will receive complimentary ISIC memberships—a $20 value. Unlock student discounts on flights, hotels, entertainment, and more, enriching your student experience.

- **Enhanced Financial Freedom:** Experience financial freedom with Chimoney's multi-currency wallet capabilities in the Chimoney App. 

**For Current ISIC Members:**

- **Exclusive $10 Chimoney App Wallet Credit:** Link your ISIC Card to the Chimoney App and unlock an exclusive $10 Wallet Credit. 

- **Simplified Fund Management:** Seamlessly manage funds on a global scale with Chimoney, enabling greater educational and cultural experiences without the hassle.

## How to Access the Benefits
1. [**Download the Chimoney App**](https://chimoney.app/download): Head to your app store and download the Chimoney app to get started.
2. **Create Your Chimoney App Account**: Sign up for a Chimoney account within the app. It's quick and easy!
3. **Link Your Community**: Complete the community membership linking process within the Chimoney App.
4. **Claim Your Free ISIC Membership**: With the Chimoney exclusive voucher code ([watch this video on how to get your voucher code](https://www.youtube.com/watch?v=C9HjQrSbBe8)), sign up for a free ISIC membership on the ISIC platform.
5. **Link Your ISIC Details:** Once you have your ISIC membership, link your ISIC membership details on the Chimoney App to unlock all the partnership-focused benefits and more.
6. **Activate Your Wallet Credit:** Make transactions totaling $100 or more within the Chimoney app. Once this is complete, your $10 wallet credit will be automatically unlocked and ready to use!

## Get Started Today

[**Download the Chimoney app today**](https://chimoney.app/download) and join ISIC to unlock exclusive student benefits, and endless possibilities! 



Discover how Chimoney's partnership with ISIC enhances the student experience, offering exclusive benefits like global money transfers, $10 wallet credit, community connections, and travel discounts. Join today and unlock student perks with Chimoney and ISIC!


Introducing Our First Listed Community;  ISIC!

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_**TL;DR:** Discover how Chimoney's partnership with ISIC USA transforms community benefits, offering ISIC members instant wallet credits and multi-currency financial freedom. This collaboration exemplifies the power of strategic alliances to enhance value and engagement within community-driven platforms._

---


As the world becomes smaller and smaller with each passing day, being a Member of a Community is not just about building networks but also about unlocking tangible benefits for its members. At [Chimoney](https://chimoney.app/), our latest collaboration with the International Student Identity Card ([ISIC](https://isic.org/)) exemplifies how leveraging community connections can enhance the value offered to each member. Here’s a journey through a dynamic partnership that amplifies community engagement and enriches the experiences of community members.

### The Genesis of a Community-Driven Partnership

In the International Student Identity Card (ISIC) Community, a community of over five million (5m) members, each equipped with an ISIC membership card, a symbol of their identity and their passport to a world of benefits. Recognizing the shared mission to enrich student lives, Chimoney collaborated with ISIC to introduce an innovative model that enhances both accessibility and financial empowerment for students worldwide.

#### How It Works

![community-perks-global-discounts-memberships](/uploads/Community_Members_ISIC_2_2x_e9f357b991.png)

1. **Community Onboarding:** Community leaders, like those at ISIC, partner with Chimoney to integrate their membership systems. This seamless integration allows for the automatic recognition of community membership within the Chimoney platform.
2. **Unlocking Perks:** Upon linking their ISIC card with their Chimoney wallet, members instantly receive a $10 credit. This immediate reward is not just a welcome gift but a gateway to experiencing the broader advantages of the Chimoney ecosystem.
3. **Enhanced Visibility and Engagement:** We promote community memberships by featuring banners and member codes directly in the Chimoney App and [Redeem Page](https://dash.chimoney.io/redeem), thus driving higher visibility and engagement rates.
4. **Joint Community Events and Marketing Initiatives:** Collaborative events and co-marketing efforts further strengthen the sense of community, offering members more reasons to engage and celebrate their shared interests and goals.

### A Journey with a Fictitious Community: The Green Planet Advocates

Let's illustrate this with a story of the fictitious "Green Planet Advocates," a community dedicated to environmental awareness and action. The community manager, Jenny, decides to partner with Chimoney to elevate the member experience.

#### Step 1: Integration and Onboarding

- Jenny works with Chimoney to onboard the Green Planet Advocates into the Chimoney platform. This process includes setting up their community in the Chimoney system and defining the perks members would receive.

#### Step 2: Instant Perks Activation

- Once onboarded, every member who links their community membership with Chimoney receives a $5 [Chimoney App](https://chimoney.app/) wallet credit to start. This small token is Chimoney’s way of saying welcome and an instant demonstration of the tangible benefits the platform offers.

#### Step 3: Promoting Membership

- Chimoney features the Green Planet Advocates on its app, sharing a unique community code that members can use to invite others. This not only helps grow the community but also enhances its visibility across a global platform.

#### Step 4: Co-hosting Events

- Chimoney and Green Planet Advocates co-host a webinar on sustainable living, combining their networks and resources to provide value and drive deeper engagement among members.

### The Impact: A Narrative of Growth and Engagement

Through this partnership, Green Planet Advocates see a significant uptick in memberships as more individuals are drawn to the immediate benefits and the broader community engagement opportunities offered. Members enjoy the ease of managing funds through their Chimoney [Multi-currency Wallets](https://chimoney.io/multi-currency-wallets/), which include features like free international transfers, making it easier for them to participate in global environmental initiatives.

### Join the Movement

This journey with Chimoney and ISIC is more than a story; it’s a blueprint for how communities can dramatically enhance member engagement and satisfaction. Are you a community leader looking to unlock new benefits for your members? Join us in this movement to harness the power of community for mutual growth and enrichment.

Call to Action: Ready to transform your community’s experience? Visit the [Suggest a Community Page](https://chimoney.app/learn-more?tab=communities) on the Chimoney App website or download the Chimoney App for Communities to learn how we can help you unlock the full potential of your community. Let’s build something extraordinary together.

Discover how Chimoney's partnership with ISIC USA transforms community benefits, offering ISIC members instant wallet credits and multi-currency financial freedom. This collaboration exemplifies the power of strategic alliances to enhance value and engagement within community-driven platforms

Unlocking more Benefits for Community Members with Chimoney and ISIC

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_**TL;DR:** Discover how Chimoney's multi-currency wallet infrastructure empowers global business operations, offering seamless financial management across currencies with robust APIs. This guide explores how platforms can integrate and leverage these tools to facilitate global payments and elevate financial flexibility for users worldwide._

---


The world is rapidly becoming a global village, not just in terms of digital connectivity but also in finance and payments. At Chimoney, we envision a future where financial barriers are non-existent; a world where everyone, regardless of their location, can manage and move money effortlessly. We want money to move like [Chi](https://www.vocabulary.com/dictionary/chi#:~:text=to%20represent%20speech-,Definitions%20of%20chi,of%3A%20energy%2C%20vim%2C%20vitality). Our [Multi-currency Wallet](https://chimoney.io/multi-currency-wallets) infrastructure is an exciting step toward this vision.

### What is a Multi-Currency Wallet?

A multi-currency wallet allows businesses and individuals to hold, manage, and transact in multiple currencies from a single account. This is particularly vital in a globalized economy where dealing with multiple currencies is the norm, not the exception. Chimoney’s multi-currency wallet is designed to cater to this need, providing seamless transactions across borders without the hassle of currency conversion fees and delays.

### The Need for Multi-Currency Wallets

Imagine you are the founder of a shiny new AI data tagging platform. Your platform employs hundreds of freelancers from across the globe, from the bustling markets of Lagos to the tech-savvy cities of India. Each freelancer wants the flexibility of using their earnings to pay their bills in their local currency, but managing these multiple currency demands can quickly become a logistical nightmare for you.

This is where Chimoney's Multi-Currency wallets come into play. They allow your users to hold balances in multiple currencies, make transfers, and even cash out in their local currency without the hassle of currency conversion or high transfer fees.

### How Chimoney's Multi-Currency Wallets Work

1. **Wallet Creation:** Onboard Users by creating a wallet using the [_multicurrency-wallets/create_](https://chimoney.readme.io/reference/post_v0-2-multicurrency-wallets-create) endpoint. Here, they can choose which currencies they want to hold—USD, CAD, NGN, or any of the multiple currencies we support.
2. **Accessing Wallet Information:** Whenever a user needs to check their balance or recent transactions, they click a button on your Platform which calls the Chimoney [_multicurrency-wallets/get_](https://chimoney.readme.io/reference/get_v0-2-multicurrency-wallets-get) endpoint. A comprehensive list of all user wallets is available through the [_multicurrency-wallets/list_](https://chimoney.readme.io/reference/get_v0-2-multicurrency-wallets-list).
3. **Transferring Funds:** Perhaps the most critical aspect of our wallets is the ability to transfer funds. Before executing a transfer, users can get a quote. This is enabled by the [_multicurrency-wallets/transfer/quote_](https://chimoney.readme.io/reference/post_v0-2-multicurrency-wallets-transfer-quote) endpoint, which provides details on transaction fees and exchange rates. Once they are satisfied, they can proceed with the transfer through the [_multicurrency-wallets/transfer_](https://chimoney.readme.io/reference/post_v0-2-multicurrency-wallets-transfer).

### A Journey Through a Fictitious AI Data Tagging Platform

Let’s take a journey through our hypothetical AI data tagging platform. Alex, a data specialist from the United States, and Alicia, a Data Analysts from Nigeria, both work on your platform. With Chimoney's Multi-Currency Wallet, Alex can receive his earnings in CAD and Alicia in NGN. When Alex needs to pay Alicia for her services, he can transfer funds directly from his CAD balance to Alicia’s NGN balance, seamlessly and instantly, with all currency conversions handled efficiently by Chimoney’s backend.

This functionality not only simplifies the payroll process but also enhances the user experience by providing a flexible, reliable financial tool right at their fingertips.

### Why This Matters

In a world that’s rapidly embracing remote work and global collaborations, the ability to manage and transfer money internationally without friction is invaluable. Chimoney’s Multi-Currency Wallet infrastructure is more than just a financial tool; it’s a bridge connecting global talents and opportunities.

### Conclusion

As we continue to innovate and push the boundaries of what's possible in the fintech space, we invite platforms, businesses, and developers to join us. Integrate Chimoney’s Multi-Currency Wallet into your platform and give your users the power to transact globally without limits.

Ready to see Chimoney's Multi-Currency wallets in action? Then, Visit [Chimoney.io](https://chimoney.io/) to get started or book a Demo with one of our Engineers and learn how to integrate Chimoney’s Multi-Currency Wallets API.

By embracing Chimoney’s Multi-Currency Wallets, you’re not just adopting a new feature; you’re opening a world of possibilities for your users and your platform.

Discover how Chimoney's multi-currency wallet infrastructure empowers global business operations, offering seamless financial management across currencies with robust APIs. This guide explores how platforms can integrate and leverage these tools to facilitate global payments and elevate financial flexibility for users worldwide.

Exploring the Future of Global Payments with Multi-Currency Wallets

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Ever wished your existing community memberships could do more? Imagine having access to exclusive benefits, discounts, and exciting opportunities – all through the power of your current affiliation!

That's the vision behind Chimoney App; we've built it with the aim of empowering communities and their members.

Today, we're thrilled to announce our partnership with the [International Student Identity Card (ISIC)](https://www.isic.org/)! The first community to be listed on the Chimoney App.  ISIC is a vibrant network spanning over 130 countries, offering incredible benefits to students worldwide.  This collaboration represents a giant leap forward, giving Chimoney App users a unique opportunity to leverage this established network.  

## About ISIC

The International Student Identity Card (ISIC) is globally recognized as proof of student status and offers access to over 150,000 discounts and benefits. These benefits include discounts on transportation, accommodations, entertainment, and more, making ISIC an invaluable resource for students worldwide.

## Chimoney x ISIC Partnership Benefits
Our partnership with ISIC, aims to enhance the global community experience offering amazing benefits for both ISIC  and Non-ISIC members alike.

**For Non-ISIC Members:**

- **Complimentary ISIC Memberships**: The first 5,000 students in the US who redeem a Chimoney Payment will receive complimentary access to ISIC memberships—a $20 value. This unlocks student discounts on flight tickets, hotel accommodation, entertainment, and more, enhancing your student experience like never before.

- **Enhanced Financial Freedom:** Experience financial freedom with Chimoney's multi-currency wallet capabilities in the Chimoney App. 

**For Current ISIC Members:**

- **Exclusive $10 Chimoney App Wallet Credit:** Link your ISIC Card to the Chimoney App and unlock an exclusive $10 Wallet Credit. 

- **Simplified Fund Management:** Managing funds on a global scale has never been easier. With Chimoney, experience the simplicity of handling your finances seamlessly, enabling greater educational and cultural experiences without the hassle.

## How to Access the Benefits
1. [**Download the Chimoney App**](https://chimoney.app/download): Head to your app store and download the Chimoney app to get started.
2. **Create Your Chimoney App Account**: Sign up for a Chimoney account within the app. It's quick and easy!
3. **Link Your Community**: Complete the community membership linking process within the Chimoney App.
4. **Claim Your Free ISIC Membership**: With the Chimoney exclusive voucher code ([watch this video on how to get your voucher code](https://www.youtube.com/watch?v=C9HjQrSbBe8)), sign up for a free ISIC membership on the ISIC platform.
5. **Link Your ISIC Details:** Once you have your ISIC membership, link your ISIC membership details on the Chimoney App to unlock all the partnership-focused benefits and more.
6. **Activate Your Wallet Credit:** Make transactions totaling $100 or more within the Chimoney app. Once this is complete, your $10 wallet credit will be automatically unlocked and ready to use!

## Get Started Today

[**Download the Chimoney app today**](https://chimoney.app/download) and join ISIC to unlock exclusive student benefits, and endless possibilities! Stay tuned for exciting initiatives as Chimoney and ISIC work together to empower students and shape the future of international education.




Discover how Chimoney's partnership with ISIC enhances the student experience, offering exclusive benefits like global money transfers, $10 wallet credit, community connections, and travel discounts. Join today and unlock student perks with Chimoney and ISIC!








Chimoney Partners with ISIC to Expand Global Benefits for Chimoney App Users

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We're excited to announce our community partnership with [OSCA Nairobi](https://twitter.com/osca_nairobi?lang=en) a chapter of [Open Source Community Africa](https://oscafrica.org/)! OSCA Nairobi is a community for open-source lovers, enthusiasts, advocates, and experts within and across Kenya, aiming to increase the rate of credible contributions by Kenyan software developers, designers, writers, and everyone involved in the tech ecosystem to open-source projects locally and globally. 

## Empowering Developers, Promoting Innovation
Both Chimoney and OSCA Nairobi share a strong commitment to empowering developers and strengthening the open-source community.  This collaboration focuses on:

- **Fueling Open-Source FinTech Innovation:** Fostering the creation of transparent and iterative solutions within a collaborative environment.

- **Empowering Developers with Chimoney Tools:** Providing developers with the tools and support they need to learn and build open-source payment solutions leveraging the [Chimoney API](https://chimoney.readme.io/reference/getting-started-with-your-api).

Through a series of upcoming workshops, events, and culminating in an exciting **open-source developer challenge**, Chimoney and OSCA Nairobi will empower developers to come up with and solve real-world challenges in the global payments space.

## Benefits of the Partnership
- **[Exclusive access to the Chimoney App:](https://chimoney.app/download)** OSCA Nairobi members will get exclusive access to the Chimoney App allowing them to send and receive payments globally via multi-currency wallets and join and be part of global communities like [ISIC](https://www.isic.org/) with member benefits.
- **Comprehensive support**:  Through workshops, events, office hours and API documentation guidance we will help developers build open-source solutions with the [Chimoney API](https://chimoney.io/).
- **Rewards and Recognition:** Developers who build outstanding solutions will be rewarded for their contributions and will get a chance to present and get support from Chimoney’s CEO, **Uchi Uchibeke**.

## Impact
Our partnership directly with OSCA Nairobi aligns with our aim of promoting financial inclusion and unlocking equal economic opportunities for all. By getting access to the [Chimoney App](https://chimoney.app/download) which is built for communities, OSCA members get access to: 

- Send and receive money globally.
- Utilize multi-currency wallets for easier international transactions.
- Benefits from global communities like ISIC, including global travel discounts.

Through our combined workshops and developer challenge with OSCA Nairobi we aim to equip developers from diverse backgrounds to solve real-world payment challenges. This inclusive approach not only fuels economic prospects for developers but also leads to solutions that directly address the needs of unbanked communities.  Furthermore, the open-source environment fosters transparency, rapid iteration, and collaboration, leading to more accessible and inclusive financial solutions. 

## Hear from the Organizers
>"We're excited to partner with OSCA Nairobi in our aim to drive innovation within the open-source fintech space. This partnership is an exciting opportunity for developers to learn, grow, and we can’t wait to witness the amazing solutions that will be created" - **Chimoney Team**

>"We're thrilled to collaborate with Chimoney to support developers and contribute to the growth of the open-source fintech ecosystem. This partnership opens up new opportunities for our members to build their skills and be a part of a greater initiative to promote financial inclusion" - **OSCA Nairobi Team**

## Stay Tuned!
Be sure to follow us on our social channels for more exciting updates!
- **Chimoney:** [LinkedIn](https://www.linkedin.com/company/chimoney/) and [Twitter](https://twitter.com/chimoney_io)
- **OSCA Nairobi:** [Twitter](https://twitter.com/osca_nairobi?lang=en) and [Discord](https://bit.ly/osca-dis)


Chimoney teams up with OSCA Nairobi to boost innovation in open-source fintech. We are empowering developers, to build fintech solutions in the payment world. Keep an eye out for more updates on events and projects!








Chimoney Partners with OSCA Nairobi to Promote Open-source Innovation in Global Payments

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The African diaspora plays a vital role in supporting families and communities back home. However, sending money across borders can often be a complex and expensive process. At Chimoney, we're committed to simplifying global payments and fostering financial inclusion. That's why we're thrilled to announce our partnership with **[Reeple](https://www.reeple.ai/)**, a fellow Techstars-backed company building an  affordable remittance solution from US and Canada to Africa!

## Streamlining Remittance from the Diaspora

This partnership combines Chimoney's global payment infrastructure and API with Reeple's user-friendly remittance platform. This fusion empowers the African diaspora to send money home to loved ones in Africa faster, easier, and more affordably than ever before.

## Benefits of the Partnership

- **Effortless Funding:** For Canadian diasporans looking to remit funds to Africa, Reeple's integration with [Chimoney's Interac Collection API](https://chimoney.readme.io/reference/post_v0-2-payment-initiate-1) allows for the easy transfer funds to Reeple for remittance.
- **Swifter Deliveries:** The integration with [Chimoney's Payout API](https://chimoney.io/payouts/) ensures funds reach recipients in Africa quickly and reliably, minimizing waiting times.

## Driving Economic Empowerment

This partnership goes beyond just simplifying remittances. It's about empowering the African diaspora and fostering economic growth on the continent. By making it easier to send money home, we're underscoring our mission of unlocking economic opportunities for everyone and enabling individuals to support their families, invest in their communities, and contribute to the economic growth of Africa.

## Insights
>_"Our partnership with Reeple aligns with our mission to unlock economic opportunities for everyone. We can't wait to conitnue to build and grow together with Reeple."_  **- Uchi Uchibeke, Founder & CEO, Chimoney**

>_"We're excited to join forces with Chimoney to revolutionize remittances for Africans abroad, making it faster, easier, and more affordable."_ **- Tomi Kolawole, CEO & Co-founder, Reeple**


## An Opportunity for Fintech Startups

Together with Reeple, we are building a future where sending money home is faster, easier, and more affordable for everyone!

This collaboration presents an exciting opportunity for ambitious startups focused on building fintech and payment solutions. With Chimoney's global payment infrastructure and API, fintech startups can streamline global payouts and develop global payment solutions that cater to the specific needs of their customers. We're excited about what we will build together and invite you to [Book a demo with us](https://chimoney.io/payouts/?book_a_demo=1).



Discover how Chimoney and Reeple are simplifying diaspora remittances to Africa with their strategic partnership. By integrating Chimoney's global payments infrastructure and API solution Reeple enhances the remittance process, making it more accessible and affordable.

Reeple.ai and Chimoney collaborate to launch innovative Cross-border Payment solution for Immigrants

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Big news, Scrim Fam! 
We're now called the **‘Chimoney App'** and you are now Chimoney Fam! 

🚀 Remember when we mentioned the exciting acquisition by Chimoney a while back? Well, that was just the beginning of an epic journey. Today, we're beyond stoked to reveal our new identity as the Chimoney App!

At Chimoney, we're not just about providing financial infrastructures for businesses alone, we also care about communities and empowering their members. It's all part of our mission to 'Unlock Economic Potential for Everyone'. That’s why we’ve built the Chimoney App.

## What’s new on the Chimoney App? 
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We've been working behind the scenes to give you the ultimate financial experience. Think of buttery-smooth flows, slicker interfaces, and features that'll make your global transactions so much easier.

## Here's what's cookin' 🫰:

#### Enhanced User Experience 💯
We've fine-tuned every detail to make your journey seamless. Sending payments in different currencies? Piece of cake! Plus, managing your funds in USD, CAD, and Naira just got a whole lot easier.

#### Exciting New Features
Hold onto your hats because we've got some game-changers lined up:
- 😎 **Multi-Currency Wallets**: Say hello to managing your money in US Dollars, Canadian Dollars, and Naira like a boss. Coming your way soon!
- 🚀 **Fast Payments**: Need to send payment requests or receive instant payments from pals or clients? With the Chimoney App, it's as easy as pie in USD, CAD, and NGN.

#### A Safer Ecosystem 🔒

At Chimoney, safety always comes first, that’s why we're introducing a closed system tailor-made for communities, putting your financial security front and centre. How do we do it? We ensure that only verified members of trusted communities are onboarded and approved to use the app. By verifying user identities, we keep fraudsters at bay and ensure only the right folks get access. Plus, our industry-leading standards guarantee top-notch protection for your hard-earned cash.

### Goodies For Communities And Their Members 

- **Faster onboarding:** Members of our trusted communities are treated like VIPs. They get a swift onboarding and expedited KYC processing? 😋
- **Exclusive perks:** From Chimoney-exclusive vouchers to Chimoney partner goodies, verified community members on the Chimoney App get lots of goodies. 🎫
- **Dedicated support:** Need a hand at any time? Our team's got your back with fast support and guidance. ⚡
- **Brand affiliation and awareness:** Partnering with Chimoney will boost your community's visibility and credibility globally, affiliation with Chimoney enhances your brand’s public perception and could open doors for multiple growth opportunities, especially with our global partners. 🤝

## Want to get your community listed on Chimoney App? 
If you're a community lead or member and you would like to propose your community to be listed on the Chimoney App, here’s how to get started:

- **Express Your Interest:** Fill in this **[form](https://forms.gle/QtMr6x1N7PCXQTmy8)** and we’ll promptly follow up with you.
- **Verification Process:** Once we receive your suggestion, our team will guide you through the verification process. This may include providing documentation or additional information to verify the authenticity and legitimacy of your community. Rest assured, we prioritize the security and integrity of our platform and communities.

## Download the Chimoney App Today!
In a nutshell, the transition to the Chimoney App marks the beginning of an exciting chapter. It's not just about a name change – it's about leveling up our game and empowering users worldwide. So, what are you waiting for? [Download the Chimoney App](https://chimoney.app/download) today and unlock endless possibilities in the world of global payments! 💥


Discover the exciting transformation as Scrim evolves into the Chimoney App! Enjoy smoother interfaces, multi-currency wallets, and instant payments in USD, CAD, and NGN. With enhanced security and exclusive perks for verified community members, the Chimoney App is revolutionizing global payments. Join the journey today! 

We’re now called Chimoney App!

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## Introduction
At Chimoney, we understand the power of communities. That's why we're excited to introduce the **[Chimoney App](https://chimoney.app/download)** specifically designed to empower communities and their members.

The Chimoney App (**formerly Scrim by Chimoney**) is a powerful tool that allows you to provide your community members with secure and seamless access to global payment services.  This innovative platform goes beyond basic payments, offering a suite of features that foster financial inclusion and growth within your community.

### Here's what makes the Chimoney App perfect for your community:
- **Community-Centric Design:** The Chimoney App is built to provide a seamless and intuitive user experience for communities. Verified members enjoy expedited onboarding and access to exclusive features, fostering a sense of belonging and shared value.
- **Multi-Currency Wallets:** Empower your members to transact globally with ease across multiple currencies. The Chimoney App supports various currencies, including USD, CAD, NGN, and soon, EUR.
- **Fast and Secure Transactions:** Send and receive payments quickly and securely within the Chimoney App across borders. The Chimoney App prioritizes security with a closed-loop system and verified member onboarding.
- **Streamlined KYC Process:** Verified communities benefit from a faster onboarding process for their members, minimizing friction and maximizing convenience.
- **Exclusive Perks and Incentives:** Offer your members unique benefits like vouchers, discounts, and partner deals, strengthening community engagement and loyalty.
- **Dedicated Support:** Our team provides prompt and responsive support to listed communities, ensuring a smooth user experience for your members.
- **Increased Visibility and Credibility:** By associating with the Chimoney brand, your community gains global recognition and access to a network of potential partners, fostering collaboration and growth opportunities.

## Community Partnership with ISIC
We're proud to announce our first community partnership with the [International Student Identity Card (ISIC)](https://www.isic.org/). With this collaboration we offer global payment benefits for both ISIC members and non-members.

- **ISIC members**: Gain access to the Chimoney App's features, allowing them to send and receive payments seamlessly across borders. Plus, they get an exclusive $10 Chimoney wallet credit just for linking their cards!

- **Non-ISIC members**: Stand a chance to be one of the first 5,000 to redeem a Chimoney payment in the US and unlock a free ISIC membership (worth $20)! This grants access to student discounts on flights, hotels, and more. Additionally, the Chimoney App empowers everyone with global transactions and multi-currency transfers for a truly global financial experience.

_Read more about the partnership_ [_here_](https://chimoney.io/blogs/chimoney-partners-with-isic-to-expand-global-benefits-for-chimoney-app-users/)

## Empower Your Community Members by Getting Listed on The Chimoney App
If you're a community lead or manager and you would like to propose your community to be listed on the Chimoney App, here’s how to get started:
1. **Express Your Interest:** Fill out this **[form](https://forms.gle/QtMr6x1N7PCXQTmy8)** to let us know about your community.
2. **Verification Process:** Our team will verify your community through a streamlined verification process to ensure the security and integrity of our platform.
3. **Unlock Benefits:** Once verified, your community members gain access to all the advantages the Chimoney App offers.

Join us in building a future where everyone has access to secure and inclusive financial tools.  Fill in the [Community Suggestion Form](https://forms.gle/QtMr6x1N7PCXQTmy8) and empower your community with a load of global payment benefits!



Introducing the new and improved Chimoney App! Experience simpler global payments, community perks, and enhanced security. Let's make financial opportunities accessible to everyone!








 Introducing the New Chimoney App

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In the past week, we focused on enhancing user experience and adding new features. Additionally, we wrote new articles and guides, covering INTERAC™ bulk payments, API solutions for global payouts, and integrating Chimoney multicurrency wallets.

## Product updates
### New Features
- **OTP for Payouts**: To enhance security, users are now required to verify their identity with an OTP before initiating payouts.
- **Community Page**: Users can now join the communities listed on the [Community page](https://dash.chimoney.io/identity/communities), gaining exclusive access and benefits as members.

### Enhancements
- **Improved Payment Requests**: We improved the handling of payment requests and included support for sub-accounts.
- **Multi-currency support**: We’ve added multi-currency support to airtime, bank, and mobile money payouts.
- **Sub-accounts Payments**: Users are now able to initiate payments via sub-accounts.
- **Email Notifications**: Users will now get email notifications for new Chimoney balance top-ups.
- **RedeemToInterac:** Input fields for the recipient's email address and full name have been added when redeeming to Interac.

 - **RedeemToInterledgerWallet:** We've added an input field for entering the Interledger wallet address.

### API Updates

- **Enhanced Swagger Documentation:** Descriptions for the `subAccount` and `amountToSend` fields have been added to the request body of the `POST /multicurrency-transfer` endpoint in our Swagger documentation **[here](https://api.chimoney.io/api-docs/#/MultiCurrency%20Wallets/post_v0_2_multicurrency_wallets_transfer)**.

- **Sub-Account Support for Multi-Currency Payouts:** We have updated the **[docs](https://chimoney.readme.io/reference/post_v0-2-multicurrency-wallets-transfer)**, and now inputting the `sub-account ID` in the sender field of body params allows you to send payouts.

 - **Bank Payouts Update:** Bank payouts/transfers to all countries (except Nigeria) now require a `bank_code` parameter when adding bank details. See update **[here](https://chimoney.readme.io/reference/post_v0-2-payouts-bank-1)**.

- **New Endpoint Additions:**
  - **Create a Sub-Account Community Associated with a User**: Users can now effortlessly create a new community sub-account linked to their profile. [View update](https://chimoney.readme.io/reference/post_v0-2-sub-account-community-create)
  - **Update a Sub-Account Community Associated with a User**: This update allows users to modify their community details, including community ID, membership ID, and member name. [View update](https://chimoney.readme.io/reference/post_v0-2-sub-account-community-update)
  
  - **Payout Interac:** We have updated the payouts section on the API documentation with the `Payout Interac` endpoint to allow Interac Payouts. [Access here](https://chimoney.readme.io/reference/post_v0-2-payouts-interac).
  - **Multi-currency Wallets**: This new addition includes various multi-currency endpoints i.e. creating a new multi-currency wallet and transferring between multi-currency wallets. [Access here](https://chimoney.readme.io/reference/post_v0-2-multicurrency-wallets-create).

## New Articles/Guides

1. **[Enabling INTERAC™ Bulk Payments with Chimoney’s Payment Infrastructure: A Developer’s Guide:](https://chimoney.io/blogs/integrating-multicurrency-wallets-a-deep-dive-to-multi-currency-global-payouts/)** This is a detailed walkthrough on integrating Chimoney’s INTERAC™ e-Transfer Bulk Payments into applications using the `Payout Interac` endpoint. 

2. **[The Ultimate Guide to Simplifying Global Payouts for Your Business with API Solutions:](https://chimoney.io/blogs/the-ultimate-guide-to-simplifying-global-payouts-for-your-business-with-api-solutions/)** This guide explores how our Global Payouts API can make businesses better by making international transactions easier. It explains all the benefits and how to integrate the API in Node.js and Python. 

3. **[Integrating Multicurrency Wallets: A Deep Dive to Multi-currency Global Payouts:](https://chimoney.io/blogs/integrating-multicurrency-wallets-a-deep-dive-to-multi-currency-global-payouts/)**  In our latest guide, learn how to integrate multi-currency wallets into your solutions in a real-world scenario. 

## Developer Resources
- **New Chimoney SDKs for Java and Rust:** We now have additional SDKs available for Java and Rust [here](https://chimoney.readme.io/reference/libraries-plugins), expanding our developer resources and making it easier for developers to integrate our services into their applications.

## Feedback and Suggestions
We value your feedback! If you have any suggestions or encounter any issues while using our services, please don't hesitate to reach out to us at support@chimoney.com or through our [feedback form](https://docs.google.com/forms/d/e/1FAIpQLSe82xosv3GapKsufCXFQxKVIK0zHH1i9Co0CQgCZgG4_HsclA/viewform).


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