API Explorer
Send Money

To Mobile Wallets

Live URL


Test URL


The Real Time Gross Settlement (RTGS) web-service enables an application to send money intra-country to other bank accounts.

❗️ CDD - KYC & CFT

In line with various banking regulations your send money transaction will be subjected to various verifications and you may be required to provide additional information.

🚧 Transaction Time

RTGS is available on weekdays between 9am and 3pm. If you send after these hours, your transaction will be queued and sent at the next available transaction window.

200 Success Response Schema

Field NameField TypeField Description
transactionIdstringunique transaction id
statusstringtransaction status

Example Request


In the example below, please remember to replace the variables enclosed within curly brackets {{ }} with the actual values.

Signature Formulae
Example Request
curl -X POST \
	-d '{
            "source": {
                "countryCode": "KE",
                "name": "John Doe",
                "accountNumber": "0020100014605"
            "destination": {
                "type": "bank",
                "countryCode": "KE",
                "name": "David Mwangi",
                "bankCode": "61",
                "accountNumber": "1100194977404"
            "transfer": {
                "type": "RTGS",
                "amount": "200",
                "currencyCode": "KES",
                "reference": "16110014834489833",
                "date": "2023-10-13",
                "description": "Some remarks here"
        }'  \
	-H 'Authorization: Bearer {access_token}'  \
	-H 'Content-Type: application/json'  \
	-H 'signature: e967CLKebZyLfa73/YYltjW5M4cHoyWeHi/5VDKJ64gOwKBvzHJRqJJrBBc34v2m4jyKkDMBtfRJeFlxbNisMAeBtkw0TRcD2LThFK27EOqLM3m8rQYa+7CJ2FhPhK+iOa4RUY+vTfkRX5JXuqOW7a3GHds8qyPaPe19cKUY33eAJL3upXnGnA3/PEhzjhb0pqk2zCI7aRzvjjVUGwUdT6LO73NVhDSWvGpLEsP0dH/stC5BoTPNNt9nY8yvGUPV7fmaPSIFn68W4L04WgePQdYkmD1UPApGcrl+L2ALY3lPaRfI6/N+0Y3NIWQyLgix+69k7V4EGolqejWdion+9A=='  \
	-L 'https://uat.finserve.africa/v3-apis/transaction-api/v3.0/remittance'

Example Response

Example Response
    "status": true,
    "code": 0,
    "message": "success",
    "reference": "16110014834489833",
    "data": {
        "transactionId": "16110014834489833",
        "status": "SUCCESS"