REST API  ·  JSON  ·  HTTPS

Simple, powerful API.
Build in minutes.

RESTful endpoints, predictable JSON responses, and 99.9% uptime SLA. Everything you need to accept payments across Africa.

Quick Start View Endpoints

Full Reference

Explore the API

Every endpoint documented, with request and response examples, parameter tables, and error codes.

Payments API

Collect, initiate, and verify payments from Mobile Money, cards, and bank transfers.

POST /payments/initiate GET /payments/:id

Payouts API

Disburse funds to mobile wallets across Ivory Coast, Senegal, Cameroon, and more.

POST /payouts GET /payouts/:id

Webhooks

Receive real-time event notifications when payments succeed, fail, or require action.

payment.completed payout.failed

Customers API

Create and manage customer profiles, save payment methods, and view transaction history.

POST /customers GET /customers/:id

Transactions

Query, filter, and export transaction records with pagination, date ranges, and status filters.

GET /transactions GET /transactions/export

Balances

Check your account balance, pending settlements, and available funds per currency.

GET /balance GET /settlements

Get started fast

Initiate your first payment in under 5 minutes

Authenticate with your API key, send a JSON payload, and receive an instant response. No SDK required — raw HTTP works perfectly.

  • 1
    Create your account and grab your API key from the dashboard.
  • 2
    Send a POST /v1/payments/initiate request with your payment details.
  • 3
    Handle the webhook callback to confirm payment status in real time.
Get API Keys View Docs
Request 
curl -X POST https://api.bitwisipay.com/v1/payments/initiate \
  -H "Authorization: Bearer sk_live_xxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "XOF",
    "method": "orange_money",
    "customer_phone": "+2370700000000",
    "reference": "ORDER_001",
    "callback_url": "https://yoursite.com/webhook"
  }'
Response — 200 OK 
{
  "status": "success",
  "data": {
    "id": "pay_9f2c3b1a7e",
    "reference": "ORDER_001",
    "amount": 5000,
    "currency": "XOF",
    "method": "orange_money",
    "payment_status": "pending",
    "ussd_code": "#144*5*1*2345#",
    "expires_at": "2026-04-02T14:30:00Z"
  }
}

Built right

API Features

Designed with developer experience in mind — secure, resilient, and predictable.

Authentication

Secure Bearer token authentication using scoped API keys. Separate keys for live and test environments.

Idempotency Keys

Pass an Idempotency-Key header to safely retry failed requests without duplicate charges.

Rate Limiting

1,000 requests/min on live keys. Limits are returned in response headers so you can manage throttling gracefully.

Sandbox Mode

Full test environment with simulated payments. Use sk_test_ keys — no real money moves.

Ready to build?

Read the full docs

Complete API reference, guides, error codes, and changelog — everything in one place.

View Documentation Get API Keys