Payout providers

The provider field picks the payout rail. IntaSend then routes the payment to the best available processor for that provider, currency and country.

provider	Pays to	Countries	Currency	Key fields
MPESA-B2C	M-Pesa phone number	KE	KES	account = phone. Minimum KES 10.
MPESA-B2B	M-Pesa till or paybill	KE	KES	account, account_type, plus account_reference for paybills
PESALINK	Bank account (instant)	KE	KES	account, bank_code. Min KES 100, max KES 999,999.
RTGS	Bank account (high value)	KE	KES	account, bank_code, name. Min KES 100.
EFT	Bank account	KE	KES	account, bank_code, name. Min KES 100.
INTASEND	Another IntaSend account	Any	Any wallet currency	account = recipient's IntaSend account
AIRTIME	Airtime top-up	KE	KES	account = phone. Live only.
KPLC	Kenya Power prepaid token	KE	KES	account = meter number, notify_phone
INTASEND-XB	Cross-border mobile money (bank in NG)	UG, TZ, RW, GH, NG, CD, SN, CI, BF, CM, and more	Local currency	country, account in international format
INTASEND-XB-BANK	Bank account in Uganda	UG	UGX	account, bank_code, name

For request examples per country, see Countries.

Phone number format

• Kenya (M-Pesa, airtime): 2547XXXXXXXX, 07XXXXXXXX and 7XXXXXXXX are all accepted.
• Cross-border (INTASEND-XB): use the full international format without +, for example 256772123456 (UG), 255754123456 (TZ), 250788123456 (RW), 233241234567 (GH).

The account field accepts digits only.

M-Pesa B2B (till and paybill)

{
  "currency": "KES",
  "provider": "MPESA-B2B",
  "transactions": [
    {"name": "KPLC", "account": "888880", "account_type": "PayBill", "account_reference": "12345678", "amount": "500", "narrative": "Bill"},
    {"account": "174379", "account_type": "TillNumber", "amount": "200"}
  ]
}

B2B amounts are rounded to whole shillings.

Bank transfers (Kenya)

Use PESALINK for instant transfers up to KES 999,999, and RTGS for higher values. Get the bank_code from GET /send-money/bank-codes/ke/.

{
  "currency": "KES",
  "provider": "PESALINK",
  "transactions": [
    {"name": "John Doe", "account": "0123456789012", "bank_code": "68", "amount": "1000", "narrative": "Invoice 22"}
  ]
}

PesaLink amounts are rounded to whole shillings, and narratives are shortened to 20 characters. Some bank routes need an OTP confirmation per transaction.

IntaSend wallet transfers

INTASEND moves funds instantly to another IntaSend account's settlement wallet in the same currency. It works for every wallet currency, including USD, EUR and GBP.

KPLC tokens

{
  "currency": "KES",
  "provider": "KPLC",
  "transactions": [{"account": "37123456789", "amount": "500", "notify_phone": "254712345678"}]
}

IntaSend validates the meter before paying. The token is sent to notify_phone.

Limits

All payouts are also subject to your account tier limits (per transaction and per day) and to your wallet balance, including charges. Requests that exceed them fail with a clear error message. See Errors.