Kenya

Prerequisites

Complete your KYC and ensure that your account is approved for transactions.
Request this feature on your account via email or our support form.
Whitelist your server IP address to prevent security errors.
Fund your KES balance. You can do this by:
- Directly funding via collections, this funding method is limited to a max value equivalent to $1,000.
- Indirect funding via FX conversion from a different currency balance (i.e. wallet-to-wallet transfers).

Basic terminology

Sender: This is the merchant or individual initiating the transfer. Some of their details are required to complete the payouts.
Beneficiary: This is the individual receiving the transfer.

Payout Flow

Follow these steps to initiate a KES Mobile Money transfer:

Collect the sender and beneficiary's information. Some important information to collect includes the account information, the sender's name, and the address.

Parameter	Description	Format	Example	isRequired
`account_bank`	The mobile money operator.	string	`MPS`	Yes
`account_number`	The recipient's mobile number.	string	2332128829	Yes
`amount`	Amount to be transferred.	string	100	Yes
`currency`	The currency of the transfer. This must be `KES`.	string	KES	Yes
`beneficiary_name`	The transfer recipient's name.	string	King James	Yes
`meta.beneficiary_address`	The recipient's address.	string	221B Baker Street	No
`meta.beneficiary_mobile_number`	The recipient's mobile number.	string	020828661	No
`meta.email`	The recipient's email address.	string	[email protected]	No
`sender_id_type`	The sender's ID document type	string	04	No
`sender_id_number`	This is the number found on the sender's identification document.	string	928929832	No

Send your payment request with all the needed transfer information to the transfers endpoint to create the payout.

{
  "account_bank": "MPS",
  "account_number": "2540782773934",
  "amount": 400,
  "narration": "Example KE MoMo Transfer",
  "currency": "KES",
  "reference": "EX002",
  "beneficiary_name": "Flutterwave Developers",
  "meta":[{
    "beneficiary_address": "221B Baker Street",
    "beneficiary_mobile_number":"020828661",
    "email":"[email protected]",
    "sender_id_number":"928929832",
    "sender_id_type":"04"
  }]
}

A key parameter to note is sender_id_type, which specifies the type of identification required to verify the sender. Below are the supported identification types and their corresponding codes:

Identification Type	Code
International Passport	`01`
Driving License	`02`
ID Card	`03`
Voter Carc	`04`
Labour Card	`05`
Bar Association Card	`06`
Defence Personnel Identity	`07`
Govt. Id	`08`
Other	`09`
Pan Card	`10`
Ration Card (with photo)	`11`
IBL Customer	`12`
Iqama	`13`
Citizenship card	`14`
Federal ID	`15`
Military identification card	`16`
Commercial Registration	`17`
CNIC	`18`
Work Permit	`19`
Birth Certificate	`20`
Business registration/license	`21`
Social security	`22`
Student ID	`23`
Border Paper	`24`
Royal decree	`25`
License Permit	`26`
GCC identity document	`27`
Saudi Family Book	`28`
Entry permit	`29`
National ID	`30`

You'll get a response like this:

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 1231828,
        "account_number": "2540782773934",
        "bank_code": "MPS",
        "full_name": "King James",
        "created_at": "2025-02-12T11:46:17.000Z",
        "currency": "KES",
        "debit_currency": "NGN",
        "amount": 400,
        "fee": 45,
        "status": "NEW",
        "reference": "EX002",
        "meta": [
            {
                "BeneficiaryAddress": "221B Baker Street",
                "BeneficiaryMobileNumber": "2540782773934",
                "EmailAddress": "[email protected]",
                "SenderIdNumber": "928929832",
                "SenderIdType": "04",
                "MobileNumber": "020828661"
            }
        ],
        "narration": "Example KE MoMo Transfer",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "FA-BANK"
    }
}

Verify your transfer status; there are many ways to do this:

You can get the transfer status using the transfer status endpoint.
If you have webhooks enabled on your dashboard, check the transfer webhooks to confirm it's status.
For transfers with callback_id, we'll send the transfer details with their status using the specified URL.

{
   "event": "transfer.completed",
   "event.type": "Transfer",
   "data": {
    "id": 1231828,
    "account_number": "2540782773934",
    "bank_name": "FA-BANK",
    "bank_code": "MPS",
    "fullname": "King James",
    "created_at": "2024-07-29T11:36:14.000Z",
    "currency": "KES",
    "debit_currency": "NGN",
    "amount": 400,
    "fee": 45,
    "status": "SUCCESSFUL",
    "reference": "EX002",
    "meta": [
      {
        "Sender": "Flutterwave Developers",
        "SenderCountry": "NG",
        "SenderAddress": "Gotham III"
      }
    ],
    "narration": "Example KE MoMo Transfer",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1
   }
 }

{
	"status": "success",
	"message": "Transfer fetched",
	"data": {
		"id": 1231828,
		"account_number": "2540782773934",
		"bank_code": "MPS",
		"full_name": "King James",
		"created_at": "2024-07-29T11:36:14.000Z",
		"currency": "KES",
		"debit_currency": "NGN",
		"amount": 400,
		"fee": 45,
		"status": "SUCCESSFUL",
		"reference": "EX002",
		"meta": [
			{
				"sender": "Flutterwave Developers"
			}
		],
		"narration": "Example KE MoMo Transfer",
		"approver": null,
		"complete_message": "Successful",
		"requires_approval": 0,
		"is_approved": 1,
		"bank_name": "FA-BANK"
	}
}

Be sure to visit our helper's documentation on testing for information on how to test your transfers.