Create and reconcile mobile money transactions on the Tola Wallet platform.

This is Tola's most direct and lightweight payment flow.

This section covers:

• Charges for collecting funds from a consumer to a merchant. See the Charge Guide.
• Disbursements for sending funds from a merchant to a consumer. See the Disbursement Guide.
• Transaction reference checks for determining whether a transaction creation request succeeded after a timeout or network failure.

Not all suppliers can be supported through the direct transaction flow. Some supplier payment journeys require interaction with supplier-hosted pages and therefore must use Checkout instead.

Transaction creation is asynchronous. A successful API response means the request was accepted, not that funds were transferred. Use the Events API Guide (preferred) or Webhooks for final outcome handling.