Kenya API Reference (Merchant Server)

All endpoints use HMAC authentication on https://api.transacty.ai. Live API keys only — a test key returns 503 payment_unavailable. The kenya market must be approved (and KYC verified) or /v1/ke/* returns 403 market_not_enabled.

Settlement currency is KES. Native ledger — no FX swap to USDC/USDT.

Collect

Method	Path	Scope	Purpose
`POST`	`/v1/ke/collects`	`payin:create`	Create M-Pesa collect. `Idempotency-Key` required
`GET`	`/v1/ke/collects/:transactionId`	`payin:create`	Get collect status

Payout

Method	Path	Scope	Purpose
`GET`	`/v1/ke/payouts/fee-quote`	`payout:create`	Preview rail fees (`?amount=`)
`POST`	`/v1/ke/payouts`	`payout:create`	Create M-Pesa payout (MSISDN + name inline). `Idempotency-Key` required
`GET`	`/v1/ke/payouts/:transactionId`	`payout:create`	Get payout status

Shared read endpoints

Method	Path	Notes
`GET`	`/v1/transactions`	Filter `type=payin\|payout` only; then filter `rail === "kenya"` in your app
`GET`	`/v1/transactions/:transactionId`	Status poll; same rail fields
`GET`	`/v1/balance`	Read `items[]` — Kenya is `KES`
`PATCH`	`/v1/me/webhook`	Register the URL for Transacty → merchant events

Settlement

Collect credits the KES wallet when the collection is credited.
Payouts debit KES (amount + platform payout fees) on create and send to an M-Pesa MSISDN.
KES is a separate wallet pocket.
Limits: collect 20–145,000 KES; payout 20–250,000 KES.

Webhook events

When configured, Transacty sends payin.completed / payin.failed and payout.completed / payout.failed. Payload currency for KES money movements is KES. The same webhook URL serves all rails. See Webhooks.