> For the complete documentation index, see [llms.txt](https://moonie.gitbook.io/mooniepay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://moonie.gitbook.io/mooniepay/payouts/account-holder-details.md).

# Account holder details

Look up a customer's mobile money account details directly from the payment provider. Use this endpoint to display the account holder's name before initiating a payment — giving customers confidence they are paying to/from the right account.

***

### Endpoint

```
GET https://api.pay.movemoonie.com/v1/payouts/{paymentMethodCode}/account-holder/details
```

***

### Path Parameter

| Parameter           | Description                                                                        |
| ------------------- | ---------------------------------------------------------------------------------- |
| `paymentMethodCode` | The payment method to look up against. One of: `momo_cm`, `om_cm`,`mooniepay_demo` |

### Query Parameters

| Parameter      | Type     | Required | Description                                                    |
| -------------- | -------- | -------- | -------------------------------------------------------------- |
| `phone_number` | `string` | ✅        | The customer's phone number to look up (e.g. `+237620000001`). |

***

### Supported Methods

| Method Code      | Supported | Notes                                  |
| ---------------- | --------- | -------------------------------------- |
| `momo_cm`        | ✅         | Available in sandbox and live          |
| `om_cm`          | ✅         | Live only                              |
| `mooniepay_demo` | ✅         | Returns a mock account name in sandbox |

***

### Code Examples

{% tabs %}
{% tab title="PHP" %}

```php
<?php

$publicKey         = 'pk_sandbox_payment_xxxxxxxxxxxx';
$secretKey         = 'your_secret_key_here';
$environment       = 'sandbox';
$timestamp         = time();
$paymentMethodCode = 'mooniepay_demo';
$phoneNumber       = '+237620000001';

$method  = 'GET';
$path    = "/v1/payments/{$paymentMethodCode}/account-holder/details";
$payload = "phone_number={$phoneNumber}"; // query string is the payload for GET

$stringToSign = "{$publicKey}.{$timestamp}.{$method}.{$path}.{$payload}";
$signature    = hash_hmac('sha256', $stringToSign, $secretKey);

$ch = curl_init("https://api.pay.movemoonie.com{$path}?phone_number=" . urlencode($phoneNumber));
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER     => [
        "Authorization: {$publicKey}",
        "X-TTUM-Timestamp: {$timestamp}",
        "X-TTUM-Signature: {$signature}",
        "X-TTUM-Environment: {$environment}",
    ],
]);

$response = json_decode(curl_exec($ch), true);
curl_close($ch);

// Display name to the customer for confirmation
echo $response['data']['name']; // "Jane Doe"
```

{% endtab %}

{% tab title="Node.js" %}

```javascript
const crypto = require('crypto');
const https  = require('https');

const publicKey         = 'pk_sandbox_payment_xxxxxxxxxxxx';
const secretKey         = 'your_secret_key_here';
const environment       = 'sandbox';
const timestamp         = Math.floor(Date.now() / 1000);
const paymentMethodCode = 'mooniepay_demo';
const phoneNumber       = '+237620000001';

const method  = 'GET';
const path    = `/v1/payments/${paymentMethodCode}/account-holder/details`;
const payload = `phone_number=${encodeURIComponent(phoneNumber)}`;

const stringToSign = `${publicKey}.${timestamp}.${method}.${path}.${payload}`;
const signature    = crypto.createHmac('sha256', secretKey).update(stringToSign).digest('hex');

https.get({
  hostname: 'api.pay.movemoonie.com',
  path: `${path}?${payload}`,
  headers: {
    'Authorization': publicKey, 'X-TTUM-Timestamp': timestamp.toString(),
    'X-TTUM-Signature': signature, 'X-TTUM-Environment': environment,
  },
}, (res) => {
  let data = '';
  res.on('data', chunk => data += chunk);
  res.on('end', () => {
    const json = JSON.parse(data);
    console.log('Account name:', json.data?.name);
  });
});
```

{% endtab %}

{% tab title="Python" %}

```python
import hmac, hashlib, time, requests
from urllib.parse import urlencode

public_key          = 'pk_sandbox_payment_xxxxxxxxxxxx'
secret_key          = 'your_secret_key_here'
environment         = 'sandbox'
timestamp           = int(time.time())
payment_method_code = 'mooniepay_demo'
phone_number        = '+237620000001'

method      = 'GET'
path        = f'/v1/payments/{payment_method_code}/account-holder/details'
query       = urlencode({'phone_number': phone_number})
payload     = query  # query string is the payload for GET requests

string_to_sign = f"{public_key}.{timestamp}.{method}.{path}.{payload}"
signature = hmac.new(secret_key.encode(), string_to_sign.encode(), hashlib.sha256).hexdigest()

response = requests.get(
    f'https://api.pay.movemoonie.com{path}',
    params={'phone_number': phone_number},
    headers={
        'Authorization': public_key, 'X-TTUM-Timestamp': str(timestamp),
        'X-TTUM-Signature': signature, 'X-TTUM-Environment': environment,
    }
).json()

print('Account name:', response['data']['name'])
```

{% endtab %}

{% tab title="cURL" %}

```shellscript
PUBLIC_KEY="pk_sandbox_payment_xxxxxxxxxxxx"
SECRET_KEY="your_secret_key_here"
ENVIRONMENT="sandbox"
TIMESTAMP=$(date +%s)
METHOD="GET"
PAYMENT_METHOD="mooniepay_demo"
PHONE="+237620000001"
PATH="/v1/payments/${PAYMENT_METHOD}/account-holder/details"
PAYLOAD="phone_number=${PHONE}"

STRING_TO_SIGN="${PUBLIC_KEY}.${TIMESTAMP}.${METHOD}.${PATH}.${PAYLOAD}"
SIGNATURE=$(echo -n "$STRING_TO_SIGN" | openssl dgst -sha256 -hmac "$SECRET_KEY" | awk '{print $2}')

curl "https://api.pay.movemoonie.com${PATH}?${PAYLOAD}" \
  -H "Authorization: $PUBLIC_KEY" \
  -H "X-TTUM-Timestamp: $TIMESTAMP" \
  -H "X-TTUM-Signature: $SIGNATURE" \
  -H "X-TTUM-Environment: $ENVIRONMENT"
```

{% endtab %}
{% endtabs %}

***

### Response

#### Success — `200 OK`

```json
{
  "success": true,
  "data": {
    "name": "Jane Doe",
    "phone_number": "237620000001"
  }
}
```

| Field          | Type     | Description                                           |
| -------------- | -------- | ----------------------------------------------------- |
| `name`         | `string` | The full name registered on the mobile money account. |
| `phone_number` | `string` | The normalized phone number (without `+` prefix).     |

#### Error Responses

| HTTP  | Code / Message                   | Reason                                                        |
| ----- | -------------------------------- | ------------------------------------------------------------- |
| `404` | `Account not found`              | No account found for the given phone number on this provider. |
| `422` | `APP_PAYMENT_METHOD_NOT_ENABLED` | The method is not enabled for your application.               |

> 💡 **UX tip:** Call this endpoint when the customer enters their phone number on your checkout page, before they confirm. Display the returned `name` so they can verify they are paying from the correct account.


---

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