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Payouts

Payouts API

Send money to bank accounts or M-PESA. Supports single payouts and batch processing.

Bank Transfers

  • • EFT - 1-2 business days
  • • RTGS - Same day (KES 1M+)
  • • PesaLink - Instant

M-PESA B2C

  • • Instant delivery
  • • Up to KES 150,000 per transaction
  • • Real-time confirmation

Bank Transfer

POST/api/v1/payouts
API Key Required

Send Bank Transfer

Send money to any bank account in Kenya via EFT, RTGS, or PesaLink.

ParameterTypeDescription
amountrequired
number

Amount to send

Example: 1000

currency
string

Currency (KES, USD, EUR)

Default: KES

referencerequired
string

Your unique reference (1-50 chars)

Example: PAYOUT-001

description
string

Payout description (max 255 chars)

Example: Salary payment

destination.typerequired
string

Destination type: "bank" or "mpesa"

Example: bank

destination.accountNumberrequired
string

Bank account number (if type=bank)

Example: 1234567890

destination.bankCoderequired
string

Bank code (if type=bank)

Example: KCB

destination.accountName
string

Account holder name

Example: John Doe

callbackUrl
string

Webhook URL for status updates

Example: https://your-site.com/webhook

Code Examples

const response = await fetch('https://api.serixpay.com/api/v1/payouts', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer pk_test_your_api_key',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 10000,
    currency: 'KES',
    reference: 'PAYOUT-001',
    description: 'Vendor payment',
    destination: {
      type: 'bank',
      accountNumber: '1234567890',
      bankCode: 'KCB',
      accountName: 'John Doe'
    },
    callbackUrl: 'https://your-site.com/webhook'
  })
});

const data = await response.json();
console.log(data.payoutId);

M-PESA B2C

POST/api/v1/payouts
API Key Required

Send M-PESA Payout

Send money directly to a customer's M-PESA account.

ParameterTypeDescription
amountrequired
number

Amount to send

Example: 1000

currency
string

Currency (KES, USD, EUR)

Default: KES

referencerequired
string

Your unique reference (1-50 chars)

Example: PAYOUT-001

description
string

Payout description (max 255 chars)

Example: Salary payment

destination.typerequired
string

Destination type: "bank" or "mpesa"

Example: bank

destination.accountName
string

Account holder name

Example: John Doe

destination.phoneNumberrequired
string

M-PESA number (if type=mpesa)

Example: 254712345678

callbackUrl
string

Webhook URL for status updates

Example: https://your-site.com/webhook

Code Examples

const response = await fetch('https://api.serixpay.com/api/v1/payouts', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer pk_test_your_api_key',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 5000,
    currency: 'KES',
    reference: 'B2C-001',
    description: 'Commission payment',
    destination: {
      type: 'mpesa',
      phoneNumber: '254712345678',
      accountName: 'John Doe'
    },
    callbackUrl: 'https://your-site.com/webhook'
  })
});

const data = await response.json();
console.log(data.payoutId);

Supported Banks

Use these bank codes for the destination.bankCode field:

KCB

KCB Bank

EQUITY

Equity Bank

COOP

Co-operative Bank

ABSA

Absa Bank

STANBIC

Stanbic Bank

NCBA

NCBA Bank

DTB

Diamond Trust Bank

STANDARD

Standard Chartered

Batch Payouts

Note

Upload CSV or Excel files to process multiple payouts at once. Up to 1,000 payouts per batch.
POST/api/v1/payouts/batch

Upload Batch File

Upload a CSV or Excel file with payout data. Maximum file size: 10MB.

CSV Format

reference,amount,destination_type,account_number,bank_code,phone_number,account_name,description
PAY-001,10000,bank,1234567890,KCB,,John Doe,Salary payment
PAY-002,5000,mpesa,,,254712345678,Jane Smith,Commission
PAY-003,15000,bank,0987654321,EQUITY,,Bob Wilson,Vendor payment
GET/api/v1/payouts/:id

Get Payout Details

Retrieve the status and details of a payout by its ID.

{
  "success": true,
  "payout": {
    "id": "pay_xyz789abc",
    "reference": "PAYOUT-001",
    "amount": 10000,
    "currency": "KES",
    "status": "completed",
    "destination": {
      "type": "bank",
      "accountNumber": "****7890",
      "bankCode": "KCB",
      "accountName": "John Doe"
    },
    "createdAt": "2024-01-15T10:30:00Z",
    "completedAt": "2024-01-15T10:35:00Z"
  }
}

Payout Statuses

pendingPayout queued for processing
processingBeing processed by bank/M-PESA
completedSuccessfully delivered
failedDelivery failed

Payout Webhook

Receive status updates at your callback URL:

{
  "event": "payout.completed",
  "timestamp": "2024-01-15T10:35:00Z",
  "data": {
    "payoutId": "pay_xyz789abc",
    "reference": "PAYOUT-001",
    "amount": 10000,
    "currency": "KES",
    "status": "completed",
    "destination": {
      "type": "bank",
      "bankCode": "KCB",
      "accountNumber": "****7890"
    }
  }
}