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Collect and pay out across Africa with one API

The Payd API takes M-Pesa, mobile money and card payments, and sends money to phones and bank accounts. Send your first payment in about ten minutes.

Start the quickstart Get API keys
POST/api/v2/payments/payin
curl https://api.payd.money/api/v2/payments/payin \
  -u "$PAYD_API_USERNAME:$PAYD_API_PASSWORD" \
  -d '{
    "amount": 1500,
    "currency": "KES",
    "transaction_channel": "mobile",
    "customer": { ... },
    ...
  }'
200Prompt sent to the customer's phone
{ "gateway_response": { "success": true,
  "merchant_reference": "9BD103350408eR" } }

Collect payments

Send payouts

Track and look things up

Build with AIGive Claude, ChatGPT or Cursor the whole API in one file, plus an OpenAPI spec and a prompt to start from.Try the API in your browserCheck your balance, list payment options or quote a payout with your own key.

Every call is live. Payd has no sandbox, so test with small amounts, such as KES 10, and your own phone number. Questions? Email support@paydhq.com.