> ## Documentation Index > Fetch the complete documentation index at: https://flutterwaveinc.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Francophone Mobile Money > Learn about Mobile Money support in Francs. We recommend checking out the [introductory section](/payment-api/introduction) to understand the basics of direct charge first. This guide assumes you've read that. If you're collecting money in francs (`XAF` or `XOF`), your customers can pay with mobile money services. ## The Process This involves the following steps: 1. You call our API to create a charge and pass in the customer's mobile number. 2. Your customer completes the payment by authorizing it with their mobile money provider. xaf_mono ## Initiating the Payment First, you'll need the customer's `phone_number`. Combine that with the rest of the payment details to create the payload and send it to our [charge Francophone mobile money endpoint](/api-reference/charges#mobile-money-francophone). You'll need to specify `amount`, `currency`, `email`, `country` and a unique `tx_ref`. You can also specify more details, such as the customer's `fullname` and custom `meta` information. See the endpoint [documentation](/api-reference/charges#mobile-money-francophone) for details. **Country Codes** Only ISO 3166 Alpha-2 codes are supported as the country param. You can get a [full list here](https://www.iban.com/country-codes). Possible values are `CM` (Cameroon), `SN` (Senegal), `BF` (Burkina Faso) and `CI` (Côte d'Ivoire). ```javascript Node.js theme={null} // Install with: npm i flutterwave-node-v3 const Flutterwave = require('flutterwave-node-v3'); const flw = new Flutterwave( process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY ); const payload = { phone_number: '24709929220', amount: 1500, currency: 'XAF', email: 'JoeBloggs@acme.co', country: 'CM', tx_ref: this.generateTransactionReference(), }; flw.MobileMoney.franco_phone(payload).then(console.log).catch(console.log); ``` ```php PHP theme={null} // Install with: composer require flutterwavedev/flutterwave-v3 $flw = new \Flutterwave\Rave(getenv('FLW_SECRET_KEY')); // Set `PUBLIC_KEY` as an environment variable $mobileMoneyService = new \Flutterwave\MobileMoney(); $payload = [ "type" => "mobile_money_franco" "phone_number" => '24709929220', "amount" => 1500, "currency" => 'XAF', "country": 'CM', "email" => 'JoeBloggs@acme.co', "tx_ref" => $this->generateTransactionReference(), ]; $response = $mobileMoneyService->mobilemoney($payload); print_r($response); ``` ```ruby Ruby theme={null} # Install with: gem install flutterwave_sdk require 'flutterwave_sdk' flw = Flutterwave.new(ENV["FLW_PUBLIC_KEY"], ENV["FLW_SECRET_KEY"], ENV["FLW_ENCRYPTION_KEY"]) charge = MobileMoney.new(flw) payload = { phone_number: '24709929220', amount: 1500, currency: 'XAF', country: 'CM', email: 'JoeBloggs@acme.co', tx_ref: generate_transaction_reference, } response = charge.initiate_charge payload print response ``` ```json cURL theme={null} curl --request POST \ --url https://api.flutterwave.com/v3/charges?type=mobile_money_franco I am running a few minutes late; my previous meeting is running over. --header 'Authorization: Bearer YOUR_SECRET_KEY' \ --header 'content-type: application/json' \ --data '{ "phone_number": "24709929220", "amount": 1500, "currency": "XAF", "country": "CM", "email": "JoeBloggs@acme.co", "tx_ref": "BJUYU399fcd43" }' ``` **Collecting XOF Payments using Wave** For customers using Wave in **Senegal** and **Côte d'Ivoire**, please include `network: wave` in your request. ## Handling the Response You'll get a response that looks like this: ```json Success theme={null} { "status": "success", "message": "Charge initiated", "data": { "id": 2079825, "tx_ref": "MC-15852113s09v5050e8", "flw_ref": "YVOO069611620649860887", "device_fingerprint": "N/A", "amount": 1500, "charged_amount": 1500, "app_fee": 481.5, "merchant_fee": 0, "processor_response": "Transaction in progress", "auth_model": "AUTH", "currency": "XAF", "ip": "::ffff:10.63.255.131", "narration": "MerchantName", "status": "pending", "payment_type": "mobilemoneysn", "fraud_status": "ok", "charge_type": "normal", "created_at": "2021-05-10T12:30:57.000Z", "account_id": 732559, "customer": { "id": 843193, "phone_number": "237******20", "name": "Anonymous customer", "email": "user@flw.com", "created_at": "2021-05-10T12:30:56.000Z" } }, "meta": { "authorization": { "mode": "callback", "redirect_url": null } } } ``` The `meta.authorization.mode` field is `"callback"`, which means the user needs to authorize with their mobile money service, and then we'll send you a webhook. ## Completing the Payment To complete the payment, the customer needs to be authorized with their mobile money provider (for instance, via a push notification from the app). **Testing Tip** In [Test Mode](/authentication), Francophone mobile money transactions are automatically completed after a few seconds. When the payment is completed, we'll send you a webhook notification. Here's what the response would look like: ```json theme={null} { "event": "charge.completed", "data": { "id": 2073992, "tx_ref": "BJUYU399fcd43", "flw_ref": "flwm3s4m0c1620380894041", "device_fingerprint": "N/A", "amount": 1500, "currency": "RWF", "charged_amount": 1500, "app_fee": 43.5, "merchant_fee": 0, "processor_response": "Approved", "auth_model": "MOBILEMONEY", "ip": "::ffff:10.30.86.54", "narration": "MerchantName", "status": "successful", "payment_type": "mobilemoneyrw", "created_at":"2021-05-07T09:48:13.000Z", "account_id": 732559, "meta": null, "customer":{ "id": 841600, "name": "Anonymous Customer", "phone_number": "054709929220", "email": "JoeBloggs@acme.co", "created_at":"2021-05-07T09:48:13.000Z" } } ``` In your webhook handler, you can then verify the payment and credit your customers with whatever they paid for. See our guide to [transaction verification](/transaction-verification) for details.