Single KES Payout

Disburse into Kenya in KES

To send money to a single bank account, you need a single API. This process requires an active balance where the funds are debited then sent.

Setup an Active Balance for your payouts here

Disburse KES - Single

POST https://staging.moneywaveapp.com/v1/disburse

Destination and transfer details are passed for processing

Headers

Name	Type	Description
Authorization	string	Authorization Token

Request Body

Name	Type	Description
lock*	String	Password required to access active wallet
senderName*	String	Sender/Business Name to appear in the bank statement
accountNumber*	String	Beneficiary account number.
bankcode*	String	Destination Bank
currency*	String	Currency of amount to send i.e USD
amount*	String	Amount to send
ref*	String	Unique transaction tracking reference
narration*	String	Description to appear in bank Statement
x_recipient_name*	String	Beneficiary Name
x_recipient_address	String	Beneficiary address
walletUref	String	Specify the source balance
x_sender_id_type*	String	Sender ID type
x_sender_id_number*	String	Sender ID type number
x_sender_nationality*	String	Sender Nationality
x_sender_source_of_funds*	String	Sender source of funds - Bank account, Card payment, etc
x_sender_dob*	String	Sender Date of Birth
x_senderOccupation*	String	Sender Occupation

200

{
  "status": "success",
  "data": {
    "data": {
      "responsecode": "00",
      "responsemessage": "Approved Or Completed Successfully",
      "uniquereference": "TMW000000318"
    },
    "status": "success"
  } 
}

Sample Code

Select a Language above ...

NODE.JS

var unirest = require("unirest");
var base_url = "https://staging.moneywaveapp.com";
var req = unirest("POST", `${base_url}/v1/disburse`);

req.headers({
  "Authorization": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpZCI6MSwibmFtZSI6IlRocml2ZSIsImFjY291bnROdW1iZXIiOiIwNjkwMDAwMDAiLCJiYW5rQ29kZSI6IjMwNyIsImlzQWN0aXZlIjp0cnVlLCJlbnZpcm9ubWVudCI6ImxpdmUiLCJjYW5fZ29saXZlIjp0cnVlLCJjb3VudGRvd24iOm51bGwsImNvbXBsaWFuY2UiOjgsImNvZGUiOiJNTDU4MCIsInBvc0lkIjoiMTE0NjMiLCJlYmlsbElkIjoiTVRGVyIsImlwIjpudWxsLCJjcmVhdGVkQXQiOiIyMDE2LTA5LTE2VDEzOjQ5OjIzLjAwMFoiLCJ1cGRhdGVkQXQiOiIyMDE3LTA3LTE5VDE0OjA2OjM2LjAwMFoiLCJkZWxldGVkQXQiOm51bGwsImlhdCI6MTUzMDIxMTc4MiwiZXhwIjoxNTMwMjE4OTgyfQ.gQDK03I9Jc0dO21RxsZjG0k4Px0NzTk4tRnkbV5VciU",
  "Content-Type": "application/json"
});
req.type("json");
req.send({
  "ref": "SD252849857Z",
  "amount": "50",
  "currency": "KES",
  "bankcode": "09",
  "accountNumber": "0600000004",
  "senderName": "ABCompany",
  "lock": "walpassword",
  "narration": "Purchases",
  "x_recipient_name": "OLUWAFEMI DAYO",
  "x_recipient_address": "99, ABC DRIVE",
  "x_recipient_email": "[e-mail]",
  "x_recipient_phone": "[phone]",
  "x_sender_name": "John",
  "x_sender_email": "[e-mail]",
  "x_sender_phone": "[phone]",
  "x_sender_address": "Accra",
  "x_sender_location": "Ghana",
  "x_sender_country": "GH",
  "x_transfer_type": "ACCOUNT",
  "x_sender_id_type": "passport",
  "x_sender_id_number": "1",
  "x_sender_nationality": "GH",
  "x_sender_source_of_funds": "Bank Account",
  "x_sender_dob": "2023/08/02",
  "x_senderOccupation": "Manager",
});

req.end(function (res) {
  if (res.error) console.log(res.code, res.body);
  else console.log(res.body);
});

PHP

<?php

$curl = curl_init();
$base_url = "https://staging.moneywaveapp.com";
$header = array(
  "Authorization: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpZCI6MSwibmFtZSI6IlRocml2ZSIsImFjY291bnROdW1iZXIiOiIwNjkwMDAwMDAiLCJiYW5rQ29kZSI6IjMwNyIsImlzQWN0aXZlIjp0cnVlLCJlbnZpcm9ubWVudCI6ImxpdmUiLCJjYW5fZ29saXZlIjp0cnVlLCJjb3VudGRvd24iOm51bGwsImNvbXBsaWFuY2UiOjgsImNvZGUiOiJNTDU4MCIsInBvc0lkIjoiMTE0NjMiLCJlYmlsbElkIjoiTVRGVyIsImlwIjpudWxsLCJjcmVhdGVkQXQiOiIyMDE2LTA5LTE2VDEzOjQ5OjIzLjAwMFoiLCJ1cGRhdGVkQXQiOiIyMDE3LTA3LTE5VDE0OjA2OjM2LjAwMFoiLCJkZWxldGVkQXQiOm51bGwsImlhdCI6MTUzMDIxMDY4MywiZXhwIjoxNTMwMjE3ODgzfQ.IO4iX_estdWbe2dHey27bj5xsZC0skXHGdFUMTQSJfI",
  "Content-Type: application/json",
);

$body = array(
  "ref": "SD252849857Z",
  "amount": "50",
  "currency": "KES",
  "bankcode": "09",
  "accountNumber": "0600000004",
  "senderName": "ABCompany",
  "lock": "walpassword",
  "narration": "Purchases",
  "x_recipient_name": "OLUWAFEMI DAYO",
  "x_recipient_address": "99, ABC DRIVE",
  "x_recipient_email": "[e-mail]",
  "x_recipient_phone": "[phone]",
  "x_sender_name": "John",
  "x_sender_email": "[e-mail]",
  "x_sender_phone": "[phone]",
  "x_sender_address": "Accra",
  "x_sender_location": "Ghana",
  "x_sender_country": "GH",
  "x_transfer_type": "ACCOUNT",
  "x_sender_id_type": "passport",
  "x_sender_id_number": "1",
  "x_sender_nationality": "GH",
  "x_sender_source_of_funds": "Bank Account",
  "x_sender_dob": "2023/08/02",
  "x_senderOccupation": "Manager",
);

curl_setopt_array($curl, array(
  CURLOPT_URL => $base_url . "/v1/disburse",
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 180,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_POSTFIELDS => json_encode($body),
  CURLOPT_HTTPHEADER => $header,
));

$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);


if ($err) {
  echo "cURL Error #:" . $err;
} else {
  $decodedResponse = json_decode($response, true);

  echo "<pre>"; print_r($decodedResponse);
}

The ref passed must be unique to prevent double disbursements to the same beneficiary. Preferably the ref used should match a unique customer action, for example a loan ID, settlement ID or charge / payment reference.

Increase timeout settings in your http client to 180 seconds. This ensures you receive an expected response for payouts with long processing times.

Confirming Success

After a disburse request is received via API, it is submitted for processing. When completed a response is returned. See the example response in the API snippet above.

A disbursement is successful only when the disburse API response has the value below.

"responsecode" : "00"