---
title: Wallet checks and balances
description: Confirm a number is an active wallet and see whose it is before money moves, and read your own account balances.
---

## Check a wallet

[`GET /accounts/{provider}/{phone}`](/docs/api/lookup-account) asks MTN whether a number is an active MoMo wallet and, if it is, the owner's name:

```bash
curl https://api.razpay.razonetix.com/v1/accounts/momo/78123456 \
  -H "Authorization: Bearer $RAZPAY_API_KEY"
```

```json
{
  "success": true,
  "message": "",
  "data": {
    "provider": "momo",
    "phone_number": "26878123456",
    "active": true,
    "name": "Sipho Dlamini"
  }
}
```

Use it to:

- **Confirm a payout recipient.** Show the name and ask "Send E250 to Sipho Dlamini?" before you pay. Add `?account=disbursement` so the check runs through the account the payout will use.
- **Validate a number at sign-up**, before you ever charge it.

Only the name is returned. MTN's other account holder details are never exposed. A check says the wallet is active; it doesn't promise a specific amount can be received.

## Read your balances

[`GET /balances`](/docs/api/balances) returns the available balance of your collection account and, when connected, your disbursement account:

```json
{
  "success": true,
  "message": "",
  "data": [
    { "provider": "momo", "account": "collection", "available": 12480.5, "currency": "SZL" },
    { "provider": "momo", "account": "disbursement", "available": 3200, "currency": "SZL" }
  ]
}
```

Balances are cached for 30 seconds. Check the disbursement balance before a large batch of payouts. The dashboard shows both on the overview and **Payouts** pages.