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


  • NGN

  • 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.

Before you begin!

  • Link to the Postman collection

  • Find your keys on the Klasha Dashboard → Settings → Generate API Keys (here)

  • Klasha Dashboard, Generate API Keys page

Generate bearer token

Using the Token endpoint on the Postman collection, the token can be obtained from the headers under the header name: token. See the screenshot below for an example:

Fetch bank codes

From the bank code API on the Postman collection here, you can fetch the bank codes. see the screenshot below for an example

Verify account number

Using the Resolve account number endpoint on the Postman collection here, verify the account number by making use of the bank codes gotten from here. See an example in the screenshot below

Generate a transfer reference

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

Initiate a transfer

Create payload
	"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);
Encrypted Payload

The result of the encryption of the payload that we specified here have to be used with the Merchant payout endpoint as shown below:

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






Bearer <token>


    "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"

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



This is sent when the transfer is successful


This is sent when the transfer fails


This transfer is still in progress. Please wait for either success or failed.

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.

Last updated