Create Wallet

Create a wallet

curl --request POST \
  --url https://api.cartevo.co/api/v1/wallets \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "currency": "XAF",
  "country": "Cameroon",
  "country_iso_code": "CM",
  "country_phone_code": "+237"
}
'

import requests

url = "https://api.cartevo.co/api/v1/wallets"

payload = {
    "currency": "XAF",
    "country": "Cameroon",
    "country_iso_code": "CM",
    "country_phone_code": "+237"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    currency: 'XAF',
    country: 'Cameroon',
    country_iso_code: 'CM',
    country_phone_code: '+237'
  })
};

fetch('https://api.cartevo.co/api/v1/wallets', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.cartevo.co/api/v1/wallets",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'currency' => 'XAF',
    'country' => 'Cameroon',
    'country_iso_code' => 'CM',
    'country_phone_code' => '+237'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.cartevo.co/api/v1/wallets"

	payload := strings.NewReader("{\n  \"currency\": \"XAF\",\n  \"country\": \"Cameroon\",\n  \"country_iso_code\": \"CM\",\n  \"country_phone_code\": \"+237\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.cartevo.co/api/v1/wallets")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"currency\": \"XAF\",\n  \"country\": \"Cameroon\",\n  \"country_iso_code\": \"CM\",\n  \"country_phone_code\": \"+237\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.cartevo.co/api/v1/wallets")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"currency\": \"XAF\",\n  \"country\": \"Cameroon\",\n  \"country_iso_code\": \"CM\",\n  \"country_phone_code\": \"+237\"\n}"

response = http.request(request)
puts response.read_body

POST

wallets

Create a wallet

curl --request POST \
  --url https://api.cartevo.co/api/v1/wallets \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "currency": "XAF",
  "country": "Cameroon",
  "country_iso_code": "CM",
  "country_phone_code": "+237"
}
'

import requests

url = "https://api.cartevo.co/api/v1/wallets"

payload = {
    "currency": "XAF",
    "country": "Cameroon",
    "country_iso_code": "CM",
    "country_phone_code": "+237"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    currency: 'XAF',
    country: 'Cameroon',
    country_iso_code: 'CM',
    country_phone_code: '+237'
  })
};

fetch('https://api.cartevo.co/api/v1/wallets', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.cartevo.co/api/v1/wallets",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'currency' => 'XAF',
    'country' => 'Cameroon',
    'country_iso_code' => 'CM',
    'country_phone_code' => '+237'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.cartevo.co/api/v1/wallets"

	payload := strings.NewReader("{\n  \"currency\": \"XAF\",\n  \"country\": \"Cameroon\",\n  \"country_iso_code\": \"CM\",\n  \"country_phone_code\": \"+237\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.cartevo.co/api/v1/wallets")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"currency\": \"XAF\",\n  \"country\": \"Cameroon\",\n  \"country_iso_code\": \"CM\",\n  \"country_phone_code\": \"+237\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.cartevo.co/api/v1/wallets")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"currency\": \"XAF\",\n  \"country\": \"Cameroon\",\n  \"country_iso_code\": \"CM\",\n  \"country_phone_code\": \"+237\"\n}"

response = http.request(request)
puts response.read_body

Overview

POST /wallets provisions a new wallet for your company. Each wallet is keyed by (currency, country_iso_code) — you cannot have two wallets for the same pair. The wallet is created with balance: 0 and is_active: true. The USD wallet is special: it is the source-of-funds for all card issuance and funding, and the destination for refunds when a card is terminated.

When to use it

You’re starting collections or payouts in a new country/currency.
You’re onboarding a new market.
You need a USD wallet before issuing your first card.

Prerequisites

Your company has completed KYB and is in APPROVED status.

Request

Headers

Name	Required	Description
`Authorization`	Yes	`Bearer <access_token>`
`Content-Type`	Yes	`application/json`

Body

Field	Type	Required	Constraints / format
`currency`	string	Yes	ISO 4217. Common values: `XAF`, `XOF`, `CDF`, `GNF`, `USD`. For `country_iso_code=CD`, this is forced to `CDF`.
`country`	string	Yes	Full country name (e.g. `"Cameroon"`).
`country_iso_code`	string	Yes	ISO 3166-1 alpha-2 (e.g. `CM`, `CI`, `CD`).
`country_phone_code`	string	Yes	Dial code with `+` (e.g. `+237`).

{
  "currency": "XAF",
  "country": "Cameroon",
  "country_iso_code": "CM",
  "country_phone_code": "+237"
}

Response

201 — Wallet created

{
  "success": true,
  "statusCode": 201,
  "message": "Wallet created successfully",
  "data": {
    "id": "w1a2b3c4-d5e6-7890-abcd-ef1234567890",
    "company_id": "c1a2b3c4-d5e6-7890-abcd-ef1234567890",
    "currency": "XAF",
    "country": "Cameroon",
    "country_iso_code": "CM",
    "country_phone_code": "+237",
    "balance": 0,
    "payin_balance": 0,
    "payout_balance": 0,
    "is_active": true,
    "created_at": "2026-05-09T10:15:00.000Z",
    "updated_at": "2026-05-09T10:15:00.000Z"
  }
}

Field	Type	Description
`id`	string	Wallet ID (UUID). Use for all wallet operations.
`currency`	string	The wallet’s currency.
`payin_balance`	number	Pay-in sub-balance (funds collected from end users).
`payout_balance`	number	Pay-out sub-balance (funds available to disburse).
`balance`	number	Total balance — usually `payin_balance + payout_balance`.
`is_active`	boolean	`true` for newly created wallets.

Error responses

Status	`message` example	Trigger
`400`	`"Wallet for this currency and country already exists"`	Duplicate `(currency, country_iso_code)` pair.
`400`	`"Invalid country / currency combination"`	The pair is not supported by Cartevo.
`403`	`"KYB not approved"`	Your company has not completed KYB.

Code examples

cURL

curl -X POST https://api.cartevo.co/api/v1/wallets \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "XAF",
    "country": "Cameroon",
    "country_iso_code": "CM",
    "country_phone_code": "+237"
  }'

Node.js (axios)

const { data } = await axios.post(
  "https://api.cartevo.co/api/v1/wallets",
  {
    currency: "XAF",
    country: "Cameroon",
    country_iso_code: "CM",
    country_phone_code: "+237",
  },
  { headers: { Authorization: `Bearer ${token}` } }
);
const walletId = data.data.id;

GET /wallets — list all wallets.
POST /wallets/fund — top up via mobile money.
Glossary → Wallet — pay-in vs pay-out semantics.

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json

currency

string

required

Example:

"XAF"

country

string

required

Example:

"Cameroon"

country_iso_code

string

required

Example:

"CM"

country_phone_code

string

required

Example:

"+237"

Response

Wallet created successfully

List Wallets Get Wallet by ID

API documentation

Auth

Cards

Customers

Wallets

Payment Collection

Webhook

Overview

When to use it

Prerequisites

Request

Headers

Body

Response

201 — Wallet created

Error responses

Code examples

Authorizations

Body

Response

​Overview

​When to use it

​Prerequisites

​Request

​Headers

​Body

​Response

​201 — Wallet created

​Error responses

​Code examples

​Related

Authorizations

Body

Response

Overview

When to use it

Prerequisites

Request

Headers

Body

Response

201 — Wallet created

Error responses

Code examples

Related