Payout

Summary

Send money locally with Klasha to bank accounts and mobile money wallets in Africa.

Coverage

• NGN

• ZAR

• GHS (beta)

• KES (beta)

You can transfer money in four easy steps:

1. Verify the account number

2. Create transfer recipient

3. Initiate a transfer

4. Listen for status.

Generate a transfer reference

It’s a unique reference sent as requestId that can be used to uniquely identify a transfer.

Initiate a transfer

{
	"amount": 1000,
	"country": "NG",
	"currency": "NGN",
	"bankCode": "044",
	"bankName": "Access Bank",
	"accountNumber": "0690000032",
	"accountName": "Pastor Bright",
	"requestId": "kbtr-3857-011-null-166993253334816",
	"description": "certification"
}




Fields specification:

- amount is the amount to payout
- country is the country of the beneficiary
- currency is the currency of payout
- bankcode is the code of the bank which can be gotten by calling the Bank code endpoint
- bankName is the name of the bank
- accountNumber is the beneficiary account number
- accountName is the beneficiary account name
- requestId is the transaction reference
- description is the narration or reason for the payout

• Serialize the payload

Encryption Algorithm

You need to encrypt the entire create transfer payload that we specify on the previous point (here). In order to encrypt the body correctly, you’d need the encryptionKey (that you can obtain following this guide here). Find an encryption algorithm code snippet below:

public static String encrypt3DES(String messageToEncrypt, byte[] secret) throws NoSuchPaddingException, NoSuchAlgorithmException,
            InvalidAlgorithmParameterException, InvalidKeyException, IllegalBlockSizeException, BadPaddingException {
    SecretKeySpec secretKeySpec = new SecretKeySpec(secret, "TripleDES");
    byte[] iv = Arrays.copyOfRange(secret, 0, 8);
    IvParameterSpec ivSpec = new IvParameterSpec(iv);

    Cipher encryptCipher = Cipher.getInstance("TripleDES/CBC/PKCS5Padding");
    encryptCipher.init(Cipher.ENCRYPT_MODE, secretKeySpec, ivSpec);

    byte[] secretMessagesBytes = messageToEncrypt.getBytes(StandardCharsets.UTF_8);
    byte[] encryptedMessageBytes = encryptCipher.doFinal(secretMessagesBytes);

    return Base64.getEncoder().encodeToString(encryptedMessageBytes);
}

Merchant Payout request

Make a POST call to the Merchant payout request API

POST {{env_url}}/wallet/merchant/{businessId}/bank/transfer/v2/request

You would need to pass, as a header the x-auth-token. This can be obtained from your merchant dashboard → Settings → Generate API keys → Merchant public key.

Headers

Request body (encrypted):

{ 
  "message": "encrypted-request-body"
}

Listen for a status response

When a transfer is initiated, it could take a few seconds or minutes to be processed. This is why we recommend relying on webhooks for verification as opposed to polling.

Once a transfer is processed, we send the final status of the transfer as a POST request to your webhook URL.

{
  "data": {
    "reference": "kbtr-3857-011-null-166993253334816",
    "createdAt": "2023-03-28T23:01:45.336",
    "amount": 1000,
    "accountName": "Pastor Bright",
    "narration": "certification",
    "name": "Steph and sons",
    "currency": "NGN",
    "bankName": "ACCESS BANK NIGERIA",
    "accountNumber": "0690000032",
    "status": "failed"
  },
  "event": "payout"
}

{
  "data": {
    "reference": "kbtr-3857-011-null-166993253331236",
    "createdAt": "2023-03-28T23:01:45.336",
    "amount": 1000,
    "accountName": "Pastor Bright",
    "narration": "certification",
    "name": "Steph and sons",
    "currency": "NGN",
    "bankName": "ACCESS BANK NIGERIA",
    "accountNumber": "0690000032",
    "status": "successful"
  },
  "event": "payout"
}

Get wallet balance

To get your wallet balance you would need to make a GET request to the API below:

GET {{env_url}}/nucleus/business/api/wallets

Headers

Response

{
    "message": "success",
    "error": null,
    "data": [
        {
            "id": 66,
            "currency": "NGN",
            "ledgerBalance": 100.0,
            "availableBalance": 100.0,
            "walletType": "BUSINESS",
            "businessId": 3,
            "createdAt": "2023-12-19 14:54:49",
            "updatedAt": "2023-12-19 14:54:49"
        }
    ]
}

{
    "message": "`error message",
    "error": "error",
    "data": null
}

The possible statuses are listed and described in the following table:

Polling transfer statuses

• You can fetch the transfer from the Find by ref API on the Postman collection to know the status. See example in the below screenshot.

Source wallet

All transfers would be debited from NGN Wallet balance. Ensure you have sufficient balance before making any transfer request.