Individual payments

This document lists the required details that needs to be sent for each of our payout corridor

Note Occasionally there might be issues with one of the corridors and we might have to disable them temporarily. Once youre onboarded we’ll let you know if this happens. Also if you’re trying to use a disabled corridor you’re going to receive a validation error stating that the corridor is not active, and you won’t be able to create new transactions there.

Nigeria

NGN::Bank

For Nigerian bank payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "bank_code": "058",
  "bank_account": "123456789",
  "bank_account_type": "10" // Optional
    // 10 for saving
    // 20 for current accounts
}

The valid bank_code values are:

Access Bank: 044
EcoBank: 050
FCMB Bank: 214
Fidelity Bank: 070
First Bank of Nigeria: 011
Guaranty Trust Bank : 058
Heritage Bank: 030
Jaiz Bank: 301
Keystone: 082
Polaris Bank: 076
Stanbic IBTC Bank: 039
Standard Chartered Bank PLC: 068
Sterling bank: 232
Suntrust Bank: 100
Union Bank: 032
United Bank for Africa: 033
Unity Bank: 215
Wema Bank: 035
Zenith International: 057

Note! Diamond Bank was merged with Access Bank in 2019. For Diamond Bank recipients please use Access Bank as the bank code

NGN::Mobile

For Nigerian mobile payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "phone_number": "7087661234"
    // local Nigerian format
}

Warning! The recipient has to be registered and KYC’d with https://www.mypaga.com before they can receive funds. If they are not registered when the payment occurs then Paga can hold the funds until the user registers and approves themselves.

USD::Bank

For USD bank payments in Nigeria please use:

"details": {
  "first_name": "Jane",
  "last_name": "Doe",
  "phone_number": "+2341234567",
  "bank_code": "057",
  "bank_account": "1234567890",
  "country": "NG"
}

The valid bank_code values are:

Access Bank: 044
FCMB Bank: 214
Fidelity Bank: 070
United Bank for Africa: 033
Zenith International: 057

The valid country values are:

Warning USD::Bank payouts in Nigeria are currently in beta phase.

USD::Cash

For USD cash payments in Nigeria please use:

"details": {
  "first_name": "Jane",
  "last_name": "Doe",
  "phone_number": "+2341234567",
  "country": "NG"
}

The valid country values are:

Warning USD::Cash payouts in Nigeria are currently in beta phase.

Ghana

GHS::Bank

For Ghanan bank payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "bank_code": "030100",
  "bank_account": "123456789"
}

The current banks supported and their bank_code values are:

ABSA Ghana Bank (formerly Barclays): 030100
Access Bank: 280100
Agricultural Development Bank: 080100
Bank of Africa: 210100
CAL Bank: 140100
Ecobank: 130100
Fidelity Bank: 240100
First Atlantic Bank: 170100
First Bank Nigeria: 200100
First National Bank: 330100
GCB Bank: 040100
Guaranty Trust Bank: 230100
Heritage Bank: 370100
National Investment Bank: 050100
Prudential Bank: 180100
Republic HFC Bank: 110100
Stanbic Bank: 190100
Standard Chartered Bank: 020100
United Bank for Africa: 060100
Zenith Bank: 120100

Please note that there is no standard format across banks for account numbers in this corridor. If you wish to check for correctness you can see the following list:

ABSA Ghana Bank (formerly Barclays): 10 or 13 digits
Access Bank: 13 digits
Agricultural Development Bank: 16 digits
Bank of Africa: 11 digits
CAL Bank: 13 digits
Ecobank: 13 or 16 digits
Fidelity Bank: 13 digits
First Atlantic Bank: 13 digits
First Bank Nigeria: 13 digits
First National Bank: 11 digits
GCB Bank: 13 digits
Guaranty Trust Bank: 13 digits
Heritage Bank: 13 digits
National Investment Bank: 13 digits
Prudential Bank: 13 digits
Republic HFC Bank: 13 digits
Stanbic Bank: 13 digits
Standard Chartered Bank: 13 digits
United Bank for Africa: 13 or 14 digits
Zenith Bank: 10 digits

GHS::Mobile

For Ghanan mobile payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "phone_number": "302123456"
  "mobile_provider": "tigo" // optional
}

Although the mobile_provider field is optional, if you send us the proper value we can provider a quicker and faster settlement. The valid values are:

airtel
mtn
tigo
vodafone

GHS::Cash

For Ghanan cash payment please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "phone_number": "302123456"
}

Uganda

UGX::Mobile

For Ugandan mobile payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "phone_number": "256772123456",
    // local or international Ugandan format
  "mobile_provider": "airtel" // optional
}

Although the mobile_provider field is optional, if you send us the proper value we can provider a quicker and faster settlement. The valid values are:

africell
airtel
mtn
telecom

Note! The provider might check the name against the registered holder of the mobile number and block transactions if they don’t match.

Europe / SEPA

EUR::Bank

For EUR IBAN transfers please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "iban": "DE89370400440532013000",
  "bank_name": "Deutsche Bank", // Optional
  "bic": "DEUTDEBBXXX" // Optional
}

Warning! If the recipient account is not an EUR account then the recipient’s bank might charge for converting the received funds from EUR to the local currency.

Note! Transfer is done using the fastest method available on the recipient’s bank.

  • If the recipient’s bank supports the Instant Payment network funds will arrive within 2 hours (but usually within a couple minutes)
  • If the recipient’s bank supports the SEPA system, funds will arrive within 1-2 business days
  • If the recipient’s bank only supports the Swift system, funds will arrive within 2-5 business days

GBP::Bank

For GBP::Bank there are two payout options available:

  1. GBP Payments with account number and sort code
  2. GBP IBAN transfers

For GBP Payments with account number and sort code please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "bank_name": "Lloyds Bank",
  "bank_account": "12345678",
  "sort_code": "123456"
}

For GBP IBAN transfers please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "bank_name": "Lloyds Bank",
  "iban": "GB29LOYD60161331926819",
  "bic": "LOYDGB2L" // Optional
}

Warning! If the recipient account is not an GBP account then the recipient’s bank might charge for converting the received funds from GBP to the local currency.

Note!

  • The customer needs to enter either an IBAN (and an optional BIC), or an account number and sort code.
  • Transfer is done using the fastest method available on the recipient’s bank.
  • If the recipient’s bank is in the UK, and supports the Faster Payment network funds will arrive within 2 hours (but usually within a couple minutes)
  • If the recipient’s bank supports the SEPA system, funds will arrive within 1-2 business days
  • If the recipient’s bank only supports the Swift system, funds will arrive within 2-5 business days

Morocco

MAD::Cash

For Cashplus cash pickup requests please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "phone_number": "212537718685"
    // Mandatory; International format preferred
  "reason" => "Remittance payment",
    // Optional; Default value is 'Remittance payment'
  "identity_card_type" => "NI",
    // Refers to the recipient's ID details; Optional; Values: "PP": Passport, "NI": National ID
  "identity_card_id" => 'AB12345678'
    // Refers to the recipient's ID details; Optional
}

Due to regulatory reasons all senders trying to create MAD::Cash transactions need to have the following details present:

  • "identification_type" => "OT" - Values: "OT": Other, "PP": Passport, "ID": National ID
  • "identification_number" => "AB12345678"

Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:

{
  "transaction": {
      "sender": {
        "external_id": "<id of sender>",
        "identification_type": "OT",
        "identification_number": "AB12345678"
        (...)
      },
      (...)
    }
}

Please note when sending MAD::Cash payments you should subscribe to the recipient.pending webhook, as that will broadcast the payment reference ID the customer need to use to obtain the funds. Example webhook response excerpt:

{
   (...)
   "state":"pending",
   "metadata": {
     "payment_reference":"9M5GJRJUBCY"
   },
   (...)
}

The payment reference can also be provided in the recipient details hash optionally for MAD::Cash in which case it will be used instead of the one we generate. The field you have to provide in the hash is called reference. If you wish to use this functionality, please contact us for more details.

Note For a list of Cashplus pickup points please contact us

West Africa / XOF

XOF::Cash

For Senegalese cash pickup requests we have the Wizall payout network available:

For Wizall cash pickup requests please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "phone_number": "221774044436", // local or international format
  "country": "CI", // Optional; Default value is "SN"
  "cash_provider": "wizall" // Mandatory
}

The valid country values are:

CI
ML
SN

All senders trying to create Wizall cash pickup requests need to have the following details present:

  • "identification_type" => "ID" - Values: "PP": Passport, "ID": National ID
  • "identification_number" => "AB12345678"

Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:

{
  "transaction": {
      "sender": {
        "external_id": "<id of sender>",
        "identification_type": "ID",
        "identification_number": "AB12345678",
        (...)
      },
      (...)
    }
}

XOF::Mobile

For mobile payouts to Senegal and Ivory Coast, please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "mobile_provider": "orange", // lowercase, see provider values below
  "phone_number": "774044436", // mobile number in local country format
  "country": "SN" // "SN" for Senegal (default), "CI" for Ivory Coast
}

The valid mobile_provider values for Senegal are:

orange
tigo

The valid mobile_provider values for Ivory Coast are:

moov
mtn
orange

Note Amounts for XOF::Mobile payouts to Ivory Coast ‘Orange’ mobile numbers should be multiples of 5.

Warning XOF::Mobile payouts to Ivory Coast are currently in beta phase.

XOF::Bank

For West African bank payments in selected countries please use the following:

"details" : {
  "first_name": "First",
  "last_name": "Last",
  "iban": "BJ0610100100144390000769", // BBAN format: AA123 12345 123456789012 12
  "transfer_reason": "personal_account"
}

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to South African Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in South Africa: salary_non_resident_in_country
Salary paid to a foreign national contract worker in South Africa: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the South African Reserve Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a South African living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to SA Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

Note XOF::Bank payouts are currently in beta phase.

South Africa

ZAR::Bank

For South African bank payments please use the following recipient details:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "street": "14 Main Street", // should include house number as well
  "postal_code": "AB0001",
  "city": "Cape Town",
  "email": "recipient@email.com", // optional, but highly recommended
  "bank_code": "334810",
  "bank_account": "12345678",
  "phone_number": "+27119785313",
  "transfer_reason": "personal_account"
}

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to South African Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in South Africa: salary_non_resident_in_country
Salary paid to a foreign national contract worker in South Africa: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the South African Reserve Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a South African living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to SA Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

Please note that due to regulatory reasons senders trying to create ZAR::Bank transactions are required to have the following fields on the sender present as well: street, city and postal_code

Note To accept payments in South Africa the recipient has to sign a mandate form online. The link to the form will be sent over the recipient’s mobile phone number and email address, and have to be filled out online. Once the mandate is signed it is valid for one year and the recipient doesn’t need to do these steps again. When sending funds to the same recipient please make sure their name and bank details are the same, otherwise they might be asked to sign the mandate form again.

Warning ZAR::Bank payouts are currently in beta phase.

Kenya

KES::Bank

For Kenyan bank payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "street": "1 Main Street", // should include house number as well
  "bank_name": "Equity Bank Limited",
  "bank_code": "68000",
  "branch_code": "404",
  "bank_account": "12345678",
  "swift_code": "EQBLKENA",
  "identity_card_type": "ID", // refers to the recipient's ID details; Values: "PP": Passport, "ID": National ID or "O": Other
  "identity_card_id": 'AB12345678', // refers to the recipient's ID details
  "transfer_reason": "third_party_person_account"
}

The current banks supported and their bank_code values are:

Habib Bank Limited: 08
Trans-National Bank Limited: 26
Housing Finance Co. Kenya: 61
UBA Kenya Bank Ltd: 76
Kenya Commercial Bank: 01000
Standard Chartered Bank: 02000
Barclays Bank of Kenya: 03000
Bank of India: 05000
Bank of Boroda: 06000
NCBA Bank: 07000
Prime Bank: 10000
Co-operative Bank of Kenya: 11000
National Bank of Kenya: 12000
M-Oriental Commercial Bank Limited: 14000
Citibank: 16000
Habib Bank A.G. Zurich: 17000
Middle East Bank: 18000
Bank of Africa Kenya: 19000
Consolidated Bank of Kenya: 23000
Credit Bank Ltd: 25000
Chase Bank: 30000
Stanbic Bank Kenya: 31000
African Banking Corporation: 35000
Giro Bank Limited: 42000
ECO Bank Kenya: 43000
Spire Bank Limited: 49000
Paramount Universal Bank Limited: 50000
Jamii Bora Bank: 51000
Guaranty Trust Bank Kenya: 53000
Victoria Bank Limited: 54000
Guardian Bank: 55000
Investments and Mortgages Bank Limited: 57000
Development Bank of Kenya: 59000
Fidelity Commercial Bank: 46000
Diamond Trust Bank: 63000
Sidian Bank: 66000
Equity Bank Limited: 68000
Family Bank: 70000
Gulf African Bank: 72000
First Community Bank: 74000
KWFT Bank: 78000

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to South African Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in South Africa: salary_non_resident_in_country
Salary paid to a foreign national contract worker in South Africa: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the South African Reserve Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a South African living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to SA Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

All senders trying to create Kenyan bank payments need to have the following details present:

  • "identification_type" => "ID" - Values: "PP": Passport, "ID": National ID, 'DL': Driver’s License, "OT": Other
  • "identification_number" => "AB12345678"

Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:

{
  "transaction": {
      "sender": {
        "external_id": "<id of sender>",
        "identification_type": "ID",
        "identification_number": "AB12345678",
        (...)
      },
      (...)
    }
}

Warning KES::Bank payouts are currently in beta phase.

KES::Mobile

For Kenyan mobile payments please use:

"details": {
  "first_name": "First",
  "last_name": "Last",
  "street": "1 Linford Street",
  "phone_number": "254123456789", // local or international Kenyan format
  "identity_card_type": "ID", // refers to the recipient's ID details; Values: "PP": Passport, "ID": National ID or "O": Other
  "identity_card_id": 'AB12345678', // refers to the recipient's ID details
  "transfer_reason": "personal_account",
  "mobile_provider": "mpesa"

}

The valid mobile_provider values for Kenya are:

mpesa

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to South African Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in South Africa: salary_non_resident_in_country
Salary paid to a foreign national contract worker in South Africa: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the South African Reserve Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a South African living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to SA Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

All senders trying to create Kenyan mobile payouts need to have the following details present:

  • "identification_type" => "ID" - Values: "PP": Passport, "ID": National ID, 'DL': Driver’s License, "OT": Other
  • "identification_number" => "AB12345678"

Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:

{
  "transaction": {
      "sender": {
        "external_id": "<id of sender>",
        "identification_type": "ID",
        "identification_number": "AB12345678",
        (...)
      },
      (...)
    }
}

Warning KES::Mobile payouts are currently in beta phase.

Note! The provider might check the name against the registered holder of the mobile number and block transactions if they don’t match.


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