Kiotapay API

Move money across Africa with one API.

Collect payments, disburse funds and reconcile transactions in real time — mobile money and bank rails in Kenya, Tanzania and Uganda, behind a single integration.

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Your first two calls
# 1. exchange your key and secret for an access token
curl -X POST $API/api/v1/get-token \
  -H "Content-Type: application/json" \
  -d '{
    "apiKey": "...",
    "apiSecret": "..."
  }'

# 2. send money to a mobile wallet
curl -X POST $API/api/sandbox/v1/send-money \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "phoneNumber": "254745362174",
    "amount": 1000,
    "currencyCode": "KSH",
    "remarks": "Order 4821",
    "occasion": "Vendor settlement",
    "callbackUrl": "https://example.com/hook"
  }'

Everything you can build

Each product area is a small set of endpoints that share the same authentication, envelope and callback shape.

Designed to stay out of your way

TLS and OAuth 2.0

Every request is encrypted in transit and authenticated with a short-lived bearer token.

Built for 24/7 volume

High availability with rate limiting that keeps throughput fair across all merchants.

Instant confirmation

Callbacks fire the moment a transaction settles, for collections and payouts alike.

Backward compatible

Existing integrations keep working through updates. Errors are explicit and actionable.

Ready to integrate?

Start with authentication, then send your first payout.

Get an API token