Settlements
Move your balance to your own account.
Money you collect stays on your Monerails balance until you pay it out or settle it. A settlement sends it to your own bank or mobile money account.
Set up the destination
In the dashboard, an Owner opens Settings › Settlements and saves one account per currency. Only an Owner can change them, and never through the API.
Create a settlement
curl https://api.monerails.com/v1/settlements \
-H "Authorization: Bearer $MONERAIL_KEY" \
-H "Idempotency-Key: settle-2026-10-30" \
-H "Content-Type: application/json" \
-d '{"amount": 2500000, "currency": "XAF"}'| Error | Meaning |
|---|---|
settlement_destination_missing |
No settlement account saved for this currency. |
settlement_destination_invalid |
The saved account is not accepted by the payment partner: check it in the dashboard. |
balance_insufficient |
The balance does not cover the amount plus the fee. |
Fees
A settlement costs the same as a payout to the same country and operator (see Pricing), or your negotiated rate. The fee is added to the amount: your balance is debited amount + fee and your account receives amount. It is returned in fee and refunded if the settlement fails.
Settlements follow the same statuses as payouts and send settlement.succeeded or settlement.failed. Keys of Owner and Finance members can create settlements.