ZamuPay API Documentation
    • Introduction
    • Definitions
      • Data Types
      • Transactions Response Codes
      • MCCMNC Codes
    • Authorization
      • Overview
      • Token Request
        POST
      • Find Transaction Routes
        GET
      • Health Check
        GET
    • Payouts
      • Overview
      • Payment Order Request Information
      • Mobile Money Requests
        • Overview
        • Mobile Transfers- Safaricom (M-Pesa)
        • Mobile Transfers - Airtel Money
      • Payment Order Requests - Business Transfers
        POST
      • Payment Order Requests - Bank Transfers
        POST
      • Find Payment Order By OriginatorConversationId
        GET
      • Reject Order By OriginatorConversationId
        POST
    • Pay-Ins
      • Payment Links
        • Overview
        • Create Payment Link
        • Find Payment Links By Id
        • Update Payment Link
      • Express Deposits
        • Overview
        • Express Deposit Request
        • Find Express Deposit By OriginatorConversationId
      • C2B IPN (Callback)
        • C2B IPN Overview
    • Card Payments
      • ZamuPay Server To Server Card Integration
        • Overview
        • 1. Authentication
          • Generate Auth Token
        • 2. Capture Context
          • Generate Capture Context
        • 3. Core Payment Flow
          • Payment Authorisation
          • Payment Capture
          • Payment Void
          • Payment Refund
        • 4. 3D Secure (Payer Authentication)
          • 3DS Setup
          • 3DS Enrolment Check
          • 3DS Validate Result
        • 5. Decision Manager (Fraud Screening)
          • Fraud Screen Transaction
        • 6. Payment Instruments (Card Tokenisation)
          • Save Card
          • Retrieve Saved Card
          • Delete Saved Card
        • 7. Transaction Search
          • Query Transactions
          • Get Transaction by ID
        • 8. Webhooks
          • Register Webhook Endpoint
          • List Registered Webhooks
          • Delete Webhook Endpoint
      • Cards Processing
        • Overview
        • Checkout Order Request
        • Query Checkout Request
        • Checkout Callback Request
    • Account Validation
      • Overview
      • Account Number Validation Request
        POST
      • Find KYC Status by SystemTraceAuditNumber
        GET
      • Account Validation
        POST
      • Find Account Validation Status by SystemTraceAuditNumber
        GET
    • Platform Services
      • Airtime Purchase
        • Overview
        • Airtime Purchase
        • Find Airtime Purchases By OriginatorConversationId
      • Customer Accounts
        • Balance Check
        • Find Charges By TransactionTypeId
      • Bill Payments
        • Overview
        • Bill Request Validation
        • Bill Request Payment
        • Find Bill Services
        • Find Bill Number By Service Id and Account Number
        • Find Bill Request By Originator Converstion Id
        • Bill Number

    Introduction

    💳 ZamuPay Developer Documentation

    The super platform for seamless payments across Mobile Money and Banking ecosystems.

    ZamuPay provides a high-performance API gateway that enables businesses to integrate with M-PESA, Airtel Money, MTN, and major banking networks through a single, secure integration.

    🏁 Getting Started


    🚀
    Quickstart
    Get your merchant account and make your first API call in under 5 minutes.


    🔐
    Authentication
    Learn how to secure your requests using OAuth 2.0 Bearer tokens.


    📦
    Payment Orders
    Understand the core structures for sending and receiving funds.


    🔄
    Webhooks
    Configure callbacks to receive real-time updates on transaction status.

    ️⚡ Core Capabilities

    📱 Mobile Money

    Direct integration for M-PESA, Airtel Money, MTN, and Vodacom. Optimized for <10s transaction confirmation.

    🏦 Bank Transfers

    Automated settlements and disbursements via Pesalink, EFT, and RTGS directly to local and regional bank accounts.

    ⚡ Bulk Payments

    High-throughput engine designed for payroll, disbursements, and large-scale collections with robust error handling.

    🔐 Security & Auth

    ZamuPay uses industry-standard OAuth 2.0. All requests must include a valid Authorization header.

    🔄 Transaction Lifecycle

    Our asynchronous engine ensures reliability. Use the following states to track your orders:

    Modified at 2026-04-22 07:16:52
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    Data Types
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