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.
# 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.
Mobile money collections
STK push, paybill and till collections across Kenya, Tanzania and Uganda, with instant confirmation callbacks.
Mobile money payouts
Send funds straight to customer wallets in real time — salaries, refunds, vendor settlements and bulk disbursements.
Bank collections & payouts
Pesalink bank transfers and bank collections for higher-value flows that do not fit a mobile wallet.
Sub-accounts
Give each branch, merchant or department its own wallet, with allocations, de-allocations and a full balance breakdown.
Downloads
Drop-in integrations for the platforms you already run, plus the brand assets you need to show Kiotapay at checkout.
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.