Initiate Payout

Initiate Payout

curl --request POST \
  --url https://dev.waftpay.io/payments/v1/payouts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Custom-Signature: <x-custom-signature>' \
  --data '
{
  "transaction": {
    "reference": "TXN213687756272200",
    "amount": 1000,
    "currency": "KES",
    "description": "Test description",
    "service_code": "MPESAB2C",
    "timestamp": "2025-01-21T12:30:10Z"
  },
  "originator": {
    "msisdn": "254708374149",
    "channel": "USSD",
    "country": "KE",
    "name": "John Doe",
    "purpose": "Salary Payment"
  },
  "recipient": {
    "reference": "INVJMA02",
    "account": "254708374149",
    "name": "John Doe Init",
    "destination_code": "300213"
  },
  "callback_url": "https://merchant.example.com/callbacks/payout",
  "meta": {}
}
'

import requests

url = "https://dev.waftpay.io/payments/v1/payouts"

payload = {
    "transaction": {
        "reference": "TXN213687756272200",
        "amount": 1000,
        "currency": "KES",
        "description": "Test description",
        "service_code": "MPESAB2C",
        "timestamp": "2025-01-21T12:30:10Z"
    },
    "originator": {
        "msisdn": "254708374149",
        "channel": "USSD",
        "country": "KE",
        "name": "John Doe",
        "purpose": "Salary Payment"
    },
    "recipient": {
        "reference": "INVJMA02",
        "account": "254708374149",
        "name": "John Doe Init",
        "destination_code": "300213"
    },
    "callback_url": "https://merchant.example.com/callbacks/payout",
    "meta": {}
}
headers = {
    "X-Custom-Signature": "<x-custom-signature>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Custom-Signature': '<x-custom-signature>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    transaction: {
      reference: 'TXN213687756272200',
      amount: 1000,
      currency: 'KES',
      description: 'Test description',
      service_code: 'MPESAB2C',
      timestamp: '2025-01-21T12:30:10Z'
    },
    originator: {
      msisdn: '254708374149',
      channel: 'USSD',
      country: 'KE',
      name: 'John Doe',
      purpose: 'Salary Payment'
    },
    recipient: {
      reference: 'INVJMA02',
      account: '254708374149',
      name: 'John Doe Init',
      destination_code: '300213'
    },
    callback_url: 'https://merchant.example.com/callbacks/payout',
    meta: {}
  })
};

fetch('https://dev.waftpay.io/payments/v1/payouts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://dev.waftpay.io/payments/v1/payouts",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'transaction' => [
        'reference' => 'TXN213687756272200',
        'amount' => 1000,
        'currency' => 'KES',
        'description' => 'Test description',
        'service_code' => 'MPESAB2C',
        'timestamp' => '2025-01-21T12:30:10Z'
    ],
    'originator' => [
        'msisdn' => '254708374149',
        'channel' => 'USSD',
        'country' => 'KE',
        'name' => 'John Doe',
        'purpose' => 'Salary Payment'
    ],
    'recipient' => [
        'reference' => 'INVJMA02',
        'account' => '254708374149',
        'name' => 'John Doe Init',
        'destination_code' => '300213'
    ],
    'callback_url' => 'https://merchant.example.com/callbacks/payout',
    'meta' => [
        
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "X-Custom-Signature: <x-custom-signature>"
  ],
]);

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

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://dev.waftpay.io/payments/v1/payouts"

	payload := strings.NewReader("{\n  \"transaction\": {\n    \"reference\": \"TXN213687756272200\",\n    \"amount\": 1000,\n    \"currency\": \"KES\",\n    \"description\": \"Test description\",\n    \"service_code\": \"MPESAB2C\",\n    \"timestamp\": \"2025-01-21T12:30:10Z\"\n  },\n  \"originator\": {\n    \"msisdn\": \"254708374149\",\n    \"channel\": \"USSD\",\n    \"country\": \"KE\",\n    \"name\": \"John Doe\",\n    \"purpose\": \"Salary Payment\"\n  },\n  \"recipient\": {\n    \"reference\": \"INVJMA02\",\n    \"account\": \"254708374149\",\n    \"name\": \"John Doe Init\",\n    \"destination_code\": \"300213\"\n  },\n  \"callback_url\": \"https://merchant.example.com/callbacks/payout\",\n  \"meta\": {}\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Custom-Signature", "<x-custom-signature>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://dev.waftpay.io/payments/v1/payouts")
  .header("X-Custom-Signature", "<x-custom-signature>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"transaction\": {\n    \"reference\": \"TXN213687756272200\",\n    \"amount\": 1000,\n    \"currency\": \"KES\",\n    \"description\": \"Test description\",\n    \"service_code\": \"MPESAB2C\",\n    \"timestamp\": \"2025-01-21T12:30:10Z\"\n  },\n  \"originator\": {\n    \"msisdn\": \"254708374149\",\n    \"channel\": \"USSD\",\n    \"country\": \"KE\",\n    \"name\": \"John Doe\",\n    \"purpose\": \"Salary Payment\"\n  },\n  \"recipient\": {\n    \"reference\": \"INVJMA02\",\n    \"account\": \"254708374149\",\n    \"name\": \"John Doe Init\",\n    \"destination_code\": \"300213\"\n  },\n  \"callback_url\": \"https://merchant.example.com/callbacks/payout\",\n  \"meta\": {}\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://dev.waftpay.io/payments/v1/payouts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Custom-Signature"] = '<x-custom-signature>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"transaction\": {\n    \"reference\": \"TXN213687756272200\",\n    \"amount\": 1000,\n    \"currency\": \"KES\",\n    \"description\": \"Test description\",\n    \"service_code\": \"MPESAB2C\",\n    \"timestamp\": \"2025-01-21T12:30:10Z\"\n  },\n  \"originator\": {\n    \"msisdn\": \"254708374149\",\n    \"channel\": \"USSD\",\n    \"country\": \"KE\",\n    \"name\": \"John Doe\",\n    \"purpose\": \"Salary Payment\"\n  },\n  \"recipient\": {\n    \"reference\": \"INVJMA02\",\n    \"account\": \"254708374149\",\n    \"name\": \"John Doe Init\",\n    \"destination_code\": \"300213\"\n  },\n  \"callback_url\": \"https://merchant.example.com/callbacks/payout\",\n  \"meta\": {}\n}"

response = http.request(request)
puts response.read_body

{
  "status": "<string>",
  "code": "<string>",
  "description": "<string>",
  "data": {
    "amount": 123,
    "transaction_reference": "<string>",
    "payment_uuid": "<string>",
    "payment_reference": "<string>",
    "time_received": "2023-11-07T05:31:56Z"
  }
}

{
  "error": "<string>",
  "message": "<string>",
  "param": "<string>",
  "request_id": "<string>"
}

{
  "code": "400.001.100",
  "status": "REJECTED",
  "description": "Invalid or expired token",
  "data": {}
}

POST

payments

payouts

Initiate Payout

curl --request POST \
  --url https://dev.waftpay.io/payments/v1/payouts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Custom-Signature: <x-custom-signature>' \
  --data '
{
  "transaction": {
    "reference": "TXN213687756272200",
    "amount": 1000,
    "currency": "KES",
    "description": "Test description",
    "service_code": "MPESAB2C",
    "timestamp": "2025-01-21T12:30:10Z"
  },
  "originator": {
    "msisdn": "254708374149",
    "channel": "USSD",
    "country": "KE",
    "name": "John Doe",
    "purpose": "Salary Payment"
  },
  "recipient": {
    "reference": "INVJMA02",
    "account": "254708374149",
    "name": "John Doe Init",
    "destination_code": "300213"
  },
  "callback_url": "https://merchant.example.com/callbacks/payout",
  "meta": {}
}
'

import requests

url = "https://dev.waftpay.io/payments/v1/payouts"

payload = {
    "transaction": {
        "reference": "TXN213687756272200",
        "amount": 1000,
        "currency": "KES",
        "description": "Test description",
        "service_code": "MPESAB2C",
        "timestamp": "2025-01-21T12:30:10Z"
    },
    "originator": {
        "msisdn": "254708374149",
        "channel": "USSD",
        "country": "KE",
        "name": "John Doe",
        "purpose": "Salary Payment"
    },
    "recipient": {
        "reference": "INVJMA02",
        "account": "254708374149",
        "name": "John Doe Init",
        "destination_code": "300213"
    },
    "callback_url": "https://merchant.example.com/callbacks/payout",
    "meta": {}
}
headers = {
    "X-Custom-Signature": "<x-custom-signature>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Custom-Signature': '<x-custom-signature>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    transaction: {
      reference: 'TXN213687756272200',
      amount: 1000,
      currency: 'KES',
      description: 'Test description',
      service_code: 'MPESAB2C',
      timestamp: '2025-01-21T12:30:10Z'
    },
    originator: {
      msisdn: '254708374149',
      channel: 'USSD',
      country: 'KE',
      name: 'John Doe',
      purpose: 'Salary Payment'
    },
    recipient: {
      reference: 'INVJMA02',
      account: '254708374149',
      name: 'John Doe Init',
      destination_code: '300213'
    },
    callback_url: 'https://merchant.example.com/callbacks/payout',
    meta: {}
  })
};

fetch('https://dev.waftpay.io/payments/v1/payouts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://dev.waftpay.io/payments/v1/payouts",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'transaction' => [
        'reference' => 'TXN213687756272200',
        'amount' => 1000,
        'currency' => 'KES',
        'description' => 'Test description',
        'service_code' => 'MPESAB2C',
        'timestamp' => '2025-01-21T12:30:10Z'
    ],
    'originator' => [
        'msisdn' => '254708374149',
        'channel' => 'USSD',
        'country' => 'KE',
        'name' => 'John Doe',
        'purpose' => 'Salary Payment'
    ],
    'recipient' => [
        'reference' => 'INVJMA02',
        'account' => '254708374149',
        'name' => 'John Doe Init',
        'destination_code' => '300213'
    ],
    'callback_url' => 'https://merchant.example.com/callbacks/payout',
    'meta' => [
        
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "X-Custom-Signature: <x-custom-signature>"
  ],
]);

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

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://dev.waftpay.io/payments/v1/payouts"

	payload := strings.NewReader("{\n  \"transaction\": {\n    \"reference\": \"TXN213687756272200\",\n    \"amount\": 1000,\n    \"currency\": \"KES\",\n    \"description\": \"Test description\",\n    \"service_code\": \"MPESAB2C\",\n    \"timestamp\": \"2025-01-21T12:30:10Z\"\n  },\n  \"originator\": {\n    \"msisdn\": \"254708374149\",\n    \"channel\": \"USSD\",\n    \"country\": \"KE\",\n    \"name\": \"John Doe\",\n    \"purpose\": \"Salary Payment\"\n  },\n  \"recipient\": {\n    \"reference\": \"INVJMA02\",\n    \"account\": \"254708374149\",\n    \"name\": \"John Doe Init\",\n    \"destination_code\": \"300213\"\n  },\n  \"callback_url\": \"https://merchant.example.com/callbacks/payout\",\n  \"meta\": {}\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Custom-Signature", "<x-custom-signature>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://dev.waftpay.io/payments/v1/payouts")
  .header("X-Custom-Signature", "<x-custom-signature>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"transaction\": {\n    \"reference\": \"TXN213687756272200\",\n    \"amount\": 1000,\n    \"currency\": \"KES\",\n    \"description\": \"Test description\",\n    \"service_code\": \"MPESAB2C\",\n    \"timestamp\": \"2025-01-21T12:30:10Z\"\n  },\n  \"originator\": {\n    \"msisdn\": \"254708374149\",\n    \"channel\": \"USSD\",\n    \"country\": \"KE\",\n    \"name\": \"John Doe\",\n    \"purpose\": \"Salary Payment\"\n  },\n  \"recipient\": {\n    \"reference\": \"INVJMA02\",\n    \"account\": \"254708374149\",\n    \"name\": \"John Doe Init\",\n    \"destination_code\": \"300213\"\n  },\n  \"callback_url\": \"https://merchant.example.com/callbacks/payout\",\n  \"meta\": {}\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://dev.waftpay.io/payments/v1/payouts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Custom-Signature"] = '<x-custom-signature>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"transaction\": {\n    \"reference\": \"TXN213687756272200\",\n    \"amount\": 1000,\n    \"currency\": \"KES\",\n    \"description\": \"Test description\",\n    \"service_code\": \"MPESAB2C\",\n    \"timestamp\": \"2025-01-21T12:30:10Z\"\n  },\n  \"originator\": {\n    \"msisdn\": \"254708374149\",\n    \"channel\": \"USSD\",\n    \"country\": \"KE\",\n    \"name\": \"John Doe\",\n    \"purpose\": \"Salary Payment\"\n  },\n  \"recipient\": {\n    \"reference\": \"INVJMA02\",\n    \"account\": \"254708374149\",\n    \"name\": \"John Doe Init\",\n    \"destination_code\": \"300213\"\n  },\n  \"callback_url\": \"https://merchant.example.com/callbacks/payout\",\n  \"meta\": {}\n}"

response = http.request(request)
puts response.read_body

{
  "status": "<string>",
  "code": "<string>",
  "description": "<string>",
  "data": {
    "amount": 123,
    "transaction_reference": "<string>",
    "payment_uuid": "<string>",
    "payment_reference": "<string>",
    "time_received": "2023-11-07T05:31:56Z"
  }
}

{
  "error": "<string>",
  "message": "<string>",
  "param": "<string>",
  "request_id": "<string>"
}

{
  "code": "400.001.100",
  "status": "REJECTED",
  "description": "Invalid or expired token",
  "data": {}
}

Overview

Use the Payouts API to disburse funds from your Waftpay wallet to a customer, vendor, or partner. Payouts are asynchronous: you receive an acceptance response immediately, then a final outcome via webhook. This call is idempotent. Reuse the same transaction.reference to safely retry the same logical payout.

Authentication and signature

Required headers

Header	Required	Notes
`Authorization`	Yes	`Bearer <payout_token>` (payout product token only)
`X-Custom-Signature`	Yes	Base64 RSA signature. See Signature generation.
`Content-Type`	Yes	`application/json`

Request body

Top-level fields

Field	Type	Required	Notes
`transaction`	object	Yes	Payout details and idempotency reference.
`originator`	object	Yes	Sender details.
`recipient`	object	Yes	Recipient details.
`callback_url`	string	Yes	HTTPS URL for final status callbacks.
`meta`	object	No	Arbitrary key/value metadata echoed in callbacks.

transaction

Field	Type	Required	Notes
`reference`	string	Yes	Client-generated unique reference (idempotency key).
`amount`	integer	Yes	Amount in major units (e.g., 1000 = 1000 KES).
`currency`	string	Yes	ISO 4217 currency code (e.g., KES, USD).
`description`	string	Yes	Short narrative for the payout.
`service_code`	string	Yes	Service to use (e.g., MPESAB2C).
`timestamp`	string	Yes	ISO 8601 UTC timestamp (must end with `Z`).

originator

Field	Type	Required	Notes
`msisdn`	string	Yes	MSISDN format (e.g., 2547XXXXXXXX).
`channel`	string	Yes	Initiation channel (e.g., USSD, API).
`country`	string	Yes	ISO 3166-1 country code (e.g., KE).
`name`	string	Yes	Originator name.
`purpose`	string	Yes	Reason for the payout.

recipient

Field	Type	Required	Notes
`reference`	string	Yes	Client-generated reference for recipient-side tracking.
`account`	string	Yes	Recipient account identifier (phone, wallet, bank account).
`name`	string	Yes	Recipient full name.
`destination_code`	string	Yes	Destination code for the recipient corridor or payout rail.

Example request

{
  "transaction": {
    "reference": "TXN213687756272200",
    "amount": 1000,
    "currency": "KES",
    "description": "Vendor payout",
    "service_code": "MPESAB2C",
    "timestamp": "2025-01-21T12:30:10Z"
  },
  "originator": {
    "msisdn": "254708374149",
    "channel": "USSD",
    "country": "KE",
    "name": "Payment",
    "purpose": "Transaction Payment"
  },
  "recipient": {
    "reference": "INVJMA02",
    "account": "254708374149",
    "name": "John Doe Init",
    "destination_code": "300213"
  },
  "callback_url": "https://merchant.example.com/callbacks/payout",
  "meta": {
    "note": "This info is returned as part of the callback",
    "agent_id": "AGENT458"
  }
}

Example response (accepted)

{
  "code": "100",
  "status": "ACCEPTED",
  "description": "Accepted for processing",
  "data": {
    "amount": 100,
    "transaction_reference": "919938",
    "payment_uuid": "413283551143664292",
    "payment_reference": "351CSICLV0",
    "time_received": "2026-01-07T09:44:43.558023Z"
  }
}

Notes

Final outcome is delivered via webhook. See Webhooks overview.
Errors follow the standard error shape. See Errors.

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Headers

X-Custom-Signature

string

required

Base64 RSA signature over: transaction.reference + transaction.amount + originator.country + transaction.service_code

Body

application/json

transaction

object

required

Show child attributes

originator

object

required

Show child attributes

recipient

object

required

Show child attributes

callback_url

string<uri>

required

HTTPS URL to receive final status callbacks.

Response

Accepted

status

string

required

e.g., 200.100

code

string

required

ACCEPTED, REJECTED.

description

string

required

data

object

required

Show child attributes

Overview

Payment Requests

Authentication

Wallet

Payouts

Collections

Checkout

Remittance

Overview

Authentication and signature

Request body

Example request

Example response (accepted)

Notes

Authorizations

Headers

Body

Response

​Overview

​Authentication and signature

​Request body

​Example request

​Example response (accepted)

​Notes

Authorizations

Headers

Body

Response

Overview

Authentication and signature

Request body

Example request

Example response (accepted)

Notes