Transaction Limits Transaction Type Limit Disbursement KES: 10-999999
Amount Decimal Places: KES — 2 decimal places
Disbursement API Disbursement Apply Description:
Create a Disbursement order
URL: /kes/pay/apply Parameters: Parameter Required Type Description appId Yes Long Business ID (obtained from backend, must match the currency in the URL) orderId Yes String Merchant order ID (must be unique, length ≤ 48) amount Yes String Transaction amount, up to 2 decimal places. Range: 10-999,999 accountType Yes String Account type: EWALLET (e-wallet), BANK_ACCOUNT (bank) bankCode Yes String Payment Method Code accountNo Yes String User bank account number / mobile number (mobile number for EWALLET type) name Yes String Recipient name (Format: English characters only, 1–30 characters. Format: “firstName middleName lastName”(middleName is optional and does not support special characters or numbers.)) phone Yes String Real phone number email Yes String Real email address notifyUrl No String Callback URL subject No String Payment note (transaction title, product name, payment reason) body No String Detailed note partnerUserId Yes String User unique identifier (e.g., userId). Used by risk control, must be valid. Format: numbers, letters, or common symbols -~!@#$%&*()_. sign Yes String Signature
request (when accountType is EWALLET)
{ "appId" : 1054 , "orderId" : "M100000450012" , "amount" : "500" , "accountType" : "EWALLET" , "bankCode" : "0001" , "accountNo" : "254712345678" , "name" : "john doe" , "phone" : "254712345678" , "email" : "johndoe@example.com" , "subject" : "iphone13" , "body" : "ProMotion technology with adaptive refresh rates up to 120Hz" , "partnerUserId" : "149597870" , "sign" : "I1PeK3eJOVsFFNowxVRqMXpeWm1lr/BcRpBi8WsW4wVo1+5CC3JsrFq/m/L2O69NzKHvtDWi4zia3DL3dPut0yMyUyqL91LNCSaeISbGsQPlhEsQpyTOryS/RKOfsrn2Xo37SCF/phAvndOk2jwwGwqM5xLz1ms9Ukl85wv27QFNrXIMxK2p18oe7MpMYrgf+xvEBE/VqCtKMtN9pO449wWwXzHWNPbZ76s4pAvKwRE9yXQDr7Iw14Dktcnl1FoLM4gWM/obkO+mz6SyAGDuXhVh/+OD/IGNiCyTCNq6ciQY28UnCFV6ZIP40gxsFhfBJKbK+Raw7y1Bh912ifYfug==" }
request (when accountType is BANK_ACCOUNT)
{ "appId" : 1054 , "orderId" : "M100000450012" , "amount" : "500" , "accountType" : "BANK_ACCOUNT" , "bankCode" : "0001" , "accountNo" : "1234567890" , "name" : "john doe" , "phone" : "254712345678" , "email" : "johndoe@example.com" , "subject" : "iphone13" , "body" : "ProMotion technology with adaptive refresh rates up to 120Hz" , "partnerUserId" : "149597870" , "sign" : "I1PeK3eJOVsFFNowxVRqMXpeWm1lr/BcRpBi8WsW4wVo1+5CC3JsrFq/m/L2O69NzKHvtDWi4zia3DL3dPut0yMyUyqL91LNCSaeISbGsQPlhEsQpyTOryS/RKOfsrn2Xo37SCF/phAvndOk2jwwGwqM5xLz1ms9Ukl85wv27QFNrXIMxK2p18oe7MpMYrgf+xvEBE/VqCtKMtN9pO449wWwXzHWNPbZ76s4pAvKwRE9yXQDr7Iw14Dktcnl1FoLM4gWM/obkO+mz6SyAGDuXhVh/+OD/IGNiCyTCNq6ciQY28UnCFV6ZIP40gxsFhfBJKbK+Raw7y1Bh912ifYfug==" }
response
{ "status" : "1" , "error" : "00000000" , "msg" : "" , "data" : { "orderId" : "M100000450013" , "orderNo" : "3023062014149637" , "sign" : "LmhUnkw5j0pMiimsG8rKwdNNZGvXH5MpSmD6mdHZwq1SQwuK5BohmdEoqKB/jkMk28o3da4Cxh6Q+tW97+yTCemRrF+dMaHA73rpOeUuujKQl/UcFvJuMhfLBa2tp09L71NzoBqpPD6aXf37mYAz8E1HmERwFPpac5FVxIYanHG8cqmMLJYsVmHTSxWavgWU03ys9UczBePkBiR8sl2FSOhFABB0wAP28lswrV/ABS68IsLKtyd1fyI3GBfSbIK5nDEEnlE+EdElFdLs9taAxJImeVF1x4eT47+bkPJ2qS8z3K8QGzKLF3W+8SiRZGfSwDTsLKH+2Vycvy5auRl+ag==" } }
Return data Parameter Description
Parameter Required Type Description orderId Yes String Merchant order ID (must be unique) orderNo Yes String Platform order ID sign Yes String Signature
Disbursement Query Description:
Query a Disbursement order
URL: /kes/pay/query Parameters: Parameter Required Type Description appId Yes Long Business ID (obtained from backend, must match the currency in the URL) orderId Yes String Merchant order ID orderNo No String Platform order ID (faster response) sign Yes String Signature
request
{ "appId" : 1000 , "orderId" : "M1234567111" , "orderNo" : "3022111516571436" , "sign" : "ZxkVZL+GAyv0VhvWn4IvuYahTzxgQuthkuV2ONWiqIfIDb2avvHlFOUJVzqZi1q8CPHXZm1ltanRTRVTxfsuftLvGeDioUHglWt46/RU6c1OPznpLGsZ35Q3n5tW2y1EnOsxPynXBFLuDQy+aZ3l9u6AQ30T0zQexMGT+IxuFkmUp02g/6juaHa5ZgNMv7lN67ixIp162wrM7OJuaOif872QijSceRdZhzaMGImAwB0D4MosRV4WMBOKkwgPdmS7GuZN66YUidXk3wTGqX3MYRw6M0kj4eNegSUwPXvp4q4p0KO8Y3xUMld54GY2ApX3WN3CBtC/vpJqEszjGBbbGg==" }
response — Order Failed
{ "status" : "1" , "error" : "00000000" , "msg" : "" , "data" : { "orderId" : "M1234567111" , "orderNo" : "3022111516571436" , "amount" : "100000.00" , "fee" : "0.00" , "status" : 3 , "errorMsg" : "error" , "sign" : "KKuvCl0SuNANJs+l2ogDaJm8pmV+Hi+Xa7q27vJ6D1Ehs4aOp13kRbITfJAhczh3T81BE9qwHeJaYwf+r0EypKM9TL6pMwfG8Az4gRy1D57wiUaVjl2PWcvbEqrn1hL0b+btkjvAM9I+CcSv+wuOW3/uku17Ws3FhgJLj9sFsQUBAPjDO+758VnwBytCOLBmljLBXyKgNgpmFQ1/DNkqWl0UNzyLK45Zw3yf5NiwhEFbvW0jlOWlfu/ql4hluISUQG573jEoFCBEnQLb2tQoRZj1QYNRCXPf5lbej0vzqbEwvR9h+ZOf255t1MocJkdIe463DTV5U3KZdVT87HMagw==" } }
response — Order Successful
{ "status" : "1" , "error" : "00000000" , "msg" : "" , "data" : { "orderId" : "M1234567112" , "orderNo" : "3022111517401574" , "amount" : "100000.00" , "fee" : "1003.00" , "status" : 2 , "payTime" : "2024-03-01 23:59:59" , "sign" : "khPtOmGq+cpKX0HFAI/lbP0dx4oVyNAnL5oLsdmhDJdASlQm0yg5I3o+MhImYggEsL6c2bo5fP29t54OZFqSdQDfIuNDvGbAMAr4mRBxc0hoHLkBLyyagfVPBLyQA1JY8XV3ZL4ySzQ3ZQnMCfrh2K39ueUuz6HpZ03Hj0KYijVRCXAZaio/L5jfLBT12QXmvIfAHa8s/k9flhK05ENHPep3zjj/MZGOEaX7jkEJLfjK0duypDCa61BRQjM+oePOdVsgleIl1Yf98UAxMDZ/A3912KFHEb+/jvmdnulNbiJFyuT1fEe+j2teUgw3vFsZAtwNWAgxhC7UO+N0Q5z4EA==" } }
Return data Parameter Description
Parameter Type Description orderId String Merchant order ID (must be unique) orderNo String Platform order ID amount String Transaction amount fee String Fee status Integer Order status (0 Not Started, 1 Processing, 2 Disbursement Success (final), 3 Disbursement Failed (final), -1 Exception Pending Confirmation) payTime String Payment success time (present when status=2) (East Africa Time), format: yyyy-MM-dd HH:mm:ss errorMsg String Payment failure reason (present when status=3) sign String Signature
Payment Methods
Currency Payment Type (accountType) Payment Code (bankCode) Limit Status Description KES EWALLET 0001 10-999999 Available SAFARICOM (M-Pesa) KES EWALLET 0002 10-999999 Available AIRTEL (Airtel Money) KES EWALLET 0003 10-999999 Available EQUITEL (Equitel) KES EWALLET 63907 10-999999 Available T-Kash (Telkom Kenya) KES EWALLET 97 10-999999 Available Telcom Kenya
Currency Payment Type (accountType) Payment Code (bankCode) Limit Status Description KES BANK_ACCOUNT 0001 10-999999 Available Kenya Commercial Bank KES BANK_ACCOUNT 0002 10-999999 Available Standard Chartered Bank KES BANK_ACCOUNT 0003 10-999999 Available ABSA Bank Kenya KES BANK_ACCOUNT 0005 10-999999 Available Bank of India KES BANK_ACCOUNT 0006 10-999999 Available Bank of Baroda KES BANK_ACCOUNT 0007 10-999999 Available NCBA Bank Kenya KES BANK_ACCOUNT 0010 10-999999 Available Prime Bank KES BANK_ACCOUNT 0011 10-999999 Available Co-operative Bank of Kenya KES BANK_ACCOUNT 0012 10-999999 Available NBK KES BANK_ACCOUNT 0014 10-999999 Available M-Oriental KES BANK_ACCOUNT 0016 10-999999 Available Citi Bank KES BANK_ACCOUNT 0017 10-999999 Available Habib Bank AG Zurich KES BANK_ACCOUNT 0018 10-999999 Available Middle East Bank Kenya KES BANK_ACCOUNT 0019 10-999999 Available Bank of Africa Kenya KES BANK_ACCOUNT 0023 10-999999 Available Consolidated Bank of Kenya KES BANK_ACCOUNT 0025 10-999999 Available Credit Bank KES BANK_ACCOUNT 0026 10-999999 Available Access Bank KES BANK_ACCOUNT 0030 10-999999 Available Chase Bank KES BANK_ACCOUNT 0031 10-999999 Available Stanbic Bank KES BANK_ACCOUNT 0035 10-999999 Available ABC Bank KES BANK_ACCOUNT 0036 10-999999 Available Choice Microfinance Bank KES BANK_ACCOUNT 0043 10-999999 Available EcoBank PLC KES BANK_ACCOUNT 0049 10-999999 Available Equatorial Commercial Bank KES BANK_ACCOUNT 0050 10-999999 Available Paramount Universal Bank KES BANK_ACCOUNT 0051 10-999999 Available Kingdom Bank KES BANK_ACCOUNT 0053 10-999999 Available Guaranty Trust Bank KES BANK_ACCOUNT 0054 10-999999 Available Victoria Bank KES BANK_ACCOUNT 0055 10-999999 Available Guardian Bank KES BANK_ACCOUNT 0057 10-999999 Available I&M Bank KES BANK_ACCOUNT 0059 10-999999 Available Development Bank KES BANK_ACCOUNT 0060 10-999999 Available SBM KES BANK_ACCOUNT 0061 10-999999 Available Housing finance KES BANK_ACCOUNT 0063 10-999999 Available Diamond Trust Bank KES BANK_ACCOUNT 0065 10-999999 Available Mayfair Bank KES BANK_ACCOUNT 0066 10-999999 Available Sidian Bank KES BANK_ACCOUNT 0068 10-999999 Available Equity Bank KES BANK_ACCOUNT 0070 10-999999 Available Family Bank KES BANK_ACCOUNT 0072 10-999999 Available Gulf African Bank KES BANK_ACCOUNT 0074 10-999999 Available First Community Bank KES BANK_ACCOUNT 0075 10-999999 Available DIB Bank KES BANK_ACCOUNT 0076 10-999999 Available UBA Kenya KES BANK_ACCOUNT 0078 10-999999 Available KWFT KES BANK_ACCOUNT 0079 10-999999 Available Faulu Bank KES BANK_ACCOUNT 0089 10-999999 Available Stima Sacco KES BANK_ACCOUNT 0099 10-999999 Available Post Bank KES BANK_ACCOUNT 9999 10-999999 Available IPS (Instant Payment Switch)
Last modified on June 24, 2026
