Disbursements
Our Disbursement APIs are optimized for mobile money and bank payouts, ensuring fast, secure, and reliable fund transfers. These endpoints support businesses in transferring funds to individuals, whether via mobile money or directly to a bank account.API Use Cases:
- Mobile Money B2C: Merchants can transfer funds to individual customers’ mobile wallets in real time, ensuring seamless payments for goods and services.
- Bank Payouts: Ideal for merchants seeking to make direct transfers to a customer’s bank account, whether for salary payments or other disbursements.
- Mobile Money B2B Paybill: Facilitates payments to a business mobile money paybill, an essential feature for businesses that rely on mobile payments for transactions with other businesses.
- Mobile Money B2B Till: Designed for businesses to transfer funds to a mobile money till, making it easier for organizations to make bulk payments.
Mobile Money B2C
This API enables merchants to transfer funds to a customer’s mobile money wallet. It supports both local and international transactions, offering flexibility for cross-border payments.
Bank Payouts
Allows merchants to seamlessly transfer funds to a customer’s bank account. This can be used for salary disbursements, vendor payments, and more.
Mobile Money B2B Paybill
Enables payments to a business mobile money paybill. Ideal for businesses that pay bills, utilities, or make payments to service providers through mobile money platforms.
Mobile Money B2B Till
This API allows a merchant to transfer funds to a business mobile money till, streamlining payments for retail or wholesale operations.
Collections
Collections APIs streamline the process of receiving payments, whether for goods, services, or subscriptions. With secure and efficient handling of both mobile and bank transactions, these endpoints help businesses automate their payment reception.API Use Cases:
- Mobile Money C2B Paybill: A key solution for merchants who need to accept payments directly from their customers via mobile money paybills. It supports a variety of mobile wallets.
- Bank Collections: Allows businesses to collect payments from customers via bank transfers. This feature is ideal for service-based industries and businesses with recurring payments.
- Mobile Money C2B STK Push: Leverages a secure, customer-initiated process where the customer receives a prompt on their phone, which they confirm by entering a PIN. This ensures secure payments for goods and services.
Mobile Money C2B Paybill
This API allows merchants to receive mobile payments from customers purchasing goods or services. It integrates easily with leading mobile wallets like M-Pesa, Airtel Money, and others.
Bank Collections
Facilitates seamless bank transfers for collections, enabling businesses to accept payments directly from their customers’ bank accounts.
Mobile Money C2B STK Push
Triggers a mobile prompt on the customer’s phone, allowing them to approve the payment by entering their PIN. It is a highly secure way to collect payments from customers.
Kiotapay API Architecture & Design Principles
Our Kiotapay API is designed with simplicity, reliability, and security at its core. We understand that businesses need an API that’s easy to integrate, works seamlessly, and ensures secure transactions for both you and your customers. Below is a breakdown of the key features and principles that make our API reliable and efficient for your payment needs.1. Easy Integration:
We’ve built the Kiotapay API to be straightforward and easy to integrate with your business operations. Whether you’re a small business or a large enterprise, you’ll find our API intuitive and well-documented. Getting up and running is quick, so you can start processing payments in no time.2. Secure Transactions:
Security is our top priority. Every interaction with our API is encrypted using TLS (Transport Layer Security), ensuring that your transactions are safe and protected from any unauthorized access. We use OAuth2.0 for authentication, so only authorized users can make payments, giving you peace of mind.3. Reliability:
Our API is built to be highly reliable and available, ensuring that you can process payments 24/7 without interruptions. We have implemented best practices to ensure the system can handle large volumes of requests, even during peak times, while maintaining top-tier performance.4. Real-Time Processing:
The Kiotapay API processes payments in real time, so you can instantly confirm transactions. Whether it’s a mobile money payout, a bank transfer, or a customer payment, you can always be confident that the transaction has been successfully processed and that you have the necessary details.5. Versioning & Backward Compatibility:
We ensure that our API is future-proof. Even as we release new features or updates, we maintain backward compatibility, meaning your integrations won’t break with new changes. You’ll always be able to use the latest features without worrying about disrupting your current setup.6. Error Handling & Transparency:
In the rare case that something goes wrong with a payment, our API provides clear, actionable error messages. You’ll always know why a transaction failed and what you can do to fix it, helping you troubleshoot issues quickly and efficiently.7. Rate Limiting for Fair Use:
To ensure that the API is accessible to all users, we apply rate limiting, which means there are set limits on how many requests can be made in a specific time period. This helps prevent overloads and ensures fair usage for everyone.With these features, Kiotapay’s API gives you a reliable, secure, and easy-to-use solution for managing your payment needs, whether you’re accepting payments from customers, making payouts, or handling collections. We’ve designed the API to handle all of your transaction needs with speed and efficiency, allowing you to focus on growing your business. If you have any questions or need support, our team is here to assist you. Get in touch with us at Kiotapay Support or visit our Kiotapay Dashboard.
Why Choose Kiotapay?
Our API is optimized for businesses of all sizes, from small merchants to large enterprises. Whether you’re in retail, banking, or any service-based industry, Kiotapay offers a reliable and secure solution for handling transactions, collections, and disbursements. With our extensive documentation and developer support, getting started is quick and easy.For any questions or support, please reach out to us via the Kiotapay Support or visit our Kiotapay Dashboard.