Welcome to TandaPay WaaS

Welcome to the TandaPay Wallet as a Service (WaaS) API documentation! We're excited to have you integrate with our powerful platform that enables you to offer seamless mobile money and banking transactions to your consumers directly within your application.

Once you have successfully onboarded a consumer using our Onboarding APIs, you are free to facilitate a wide range of transactions, empowering your users to deposit, withdraw, and transfer funds with ease.

Before You Begin: Prerequisites

To ensure a smooth integration and go-live process, please make sure you have fulfilled the following requirements:

1. Consumer Onboarding: You must have successfully registered a consumer and obtained a consumerId using our Onboarding APIs.
2. Webhook Endpoints: You have prepared and secured your webhook endpoints to receive instant payment notifications (IPNs) for transaction updates. This is crucial for keeping your system's transaction records in sync with ours.
3. Status Query Feature: You have implemented a status query feature in your system. While we strive for timely webhooks, this API allows you to proactively check the status of any transaction in case of delays or for reconciliation purposes.

Staging Environment

Important: We strongly recommend that all initial development and testing be conducted using our staging environment. Please ensure your application, including your webhook URLs, is configured to point to our staging endpoints. This allows you to test the complete flow without moving real money.

Core Payment APIs

Our Payment APIs are designed to be intuitive and consistent. Each transaction requires a unique reference from your system for idempotency and reconciliation. Here’s what you can do:

Consumer Mobile Money Deposit

Enables consumers to deposit funds from their mobile money wallet (e.g., M-PESA) into their TandaPay wallet. → View API Documentation

Consumer Mobile Money Withdrawal

Allows consumers to withdraw funds from their TandaPay wallet back to their linked mobile money account. → View API Documentation

Consumer Bank Withdrawal

Enables consumers to withdraw funds from their TandaPay wallet directly to a registered bank account via PesaLink. → View API Documentation

Consumer to Till Payment

Allows consumers to make payments directly to a merchant's till number from their wallet balance. → View API Documentation

Consumer to Paybill Payment

Enables consumers to make payments to business paybill numbers (e.g., for utilities, services) from their wallet. → View API Documentation

Consumer to Consumer Transfer (P2P)

Facilitates instant peer-to-peer transfers of funds between two consumers within the TandaPay ecosystem. → View API Documentation

Transaction Status Query

Retrieve the current status of any transaction using its unique requestId. This is your tool for confirmation and handling any webhook delivery delays. → View API Documentation

Getting Started

Ready to build? Navigate to the specific API sections for detailed endpoints, request bodies, and response schemas.

Happy Building!

The TandaPay Team