Bank Payment API

This API allows a company to create a new bank payment transaction.

Endpoint

POST /api/sandbox/v1/bank/payout/new

Base URL

https://api.kiotapay.co

Request Headers

Key	Value	Required	Description
`Content-Type`	`application/json`	✅	Specifies that the request body is in JSON format.
`Authorization`	`Bearer <your-token>`	✅	API authentication token. Replace `<your-token>` with a valid JWT.

Request Body

The body must contain the following fields:

{
    "bankCode": "00X3", // Use the format 00 + Bank Code
    "beneficiaryName": "Recipient User",
    "creditAccountNumber": "01001735202370",
    "amount": 1000,
    "narration": "sendToAccount",
    "callbackUrl": "https://eozwvurcbugqsti.m.pipedream.net",
    "referenceId":"1234"
}

A list of Bank Codes in Kenya is available Here . Please use the format 00 + Bank Code as shown in the example payload above

Explanation

Field	Type	Description
beneficiaryName	String	The name associated with the beneficiary (recipient) account number.
amount	Number	The amount to be transacted in the Kenyan Shillings currency.
creditAccountNumber	String	The account number that will receive the amount
narration	String	Additional information about the transaction.
bankCode	String	The bank code associated with the beneficiary (recipient) account number.

callbackUrl	String	A valid POST URL where payment confirmation will be sent.
referenceId	String	This is an optional field that represents the request ID from your system. It can be used to query the transaction, as it maps to the identifier used in your system.

Sample Response Body

{
    "status": 201,
    "message": "Success",
    "data": {
        "requestId": "8fa1fab3-a1d6-41fd-9199-d5517efc0d41",
        "creditAccountNumber": "01001735202370",
        "beneficiaryName": "Recipient User",
        "amount": 1000,
        "status": "PENDING"
    }
}

Sample Callback Body

{
  "accountNumber": "1234567890",
  "businessNumber": "9876543210",
  "requestId": "d290f1ee-6c54-4b01-90e6-d701748f0851",
  "amount": 1000,
  "status": "SUCCESS" // SUCCESS, FAILED, PENDING
}

Authentication

Checkout

Mobile Money (B2C)

Mobile Money (C2B & STK Push)

Business Payments (Till)

Business Payments (Paybill)

Bank Collections

Bank Payouts

Virtual Accounts

Errors

Make a Bank Payment

Bank Payment API

Endpoint

Base URL

Request Headers

Request Body

​Bank Payment API

​Endpoint

​Base URL

​Request Headers

​Request Body

Bank Payment API

Endpoint

Base URL

Request Headers

Request Body