Payment APIs
Payment infrastructure for businesses in Rwanda. Launch and scale your product with APIs for collections, disbursements, settlement and wallet funding across mobile money, cards and bank rails.
Licensed · Regulated · Built to help your customers move money safely and efficiently.
Regulated by the National Bank of Rwanda.
A Kigali-based company operating under Rwandan law.
Every right call carries a key, timestamp and signature.
TLS on every endpoint, with signed webhook deliveries.
Payment rails you connect to through one API
Our solutions
Debit MTN MoMo, Airtel Money, bank transfer, or eKash for e-commerce, billing, subscriptions, school fees and wallet top-ups — cards coming soon — every payment tied to your own externalId.
MTN MoMo
INV-2041
RWF 85,000
completed
Airtel Money
SCH-0932
RWF 120,000
completed
Card · Visa
ORD-7718
RWF 42,500
Coming soonPay salaries, suppliers, refunds and loan disbursements to individuals or businesses, one at a time or in bulk. Initiate, track and reconcile programmatically instead of through a dashboard.
payouts.sh
Copycurl -X POST https://api.kitovupay.com/v1/disbursements \
-H "x-api-key: $KEY" \
-H "x-api-signature: $SIG" \
-d '{"amount":250000,"msisdn":"+2507…","externalId":"SAL-0925"}'
Follow every collected franc from batch to bank. Settlement references, statuses and reconciliation hooks toward your settlement account.
Collected
Batched
Settled to bank
Settlement ref STL-2026-0925-014 · RWF 3,420,000
Pre-fund merchant or customer wallets before disbursements or savings flows, with balances you can read in real time.
Merchant wallet
RWF 1,240,000
Funded
+ RWF 500,000
Reserved for payouts
RWF 365,000
REST API, signed webhooks for every state change, a UAT sandbox with test data and documentation that matches production behaviour. Built for engineers who read the docs before the pitch deck.
webhook.json
Copy{
"event": "payment.completed",
"externalId": "INV-2041",
"amount": 85000,
"signature": "t=1727500000,v1=9f2c…"
}Create API keys in Merchant Portal → Settings, point your systems at the UAT gateway and run your first test collection.
Send x-api-key on every call. POST requests add x-api-timestamp and an HMAC-SHA256 x-api-signature over the body.
Trigger collections, disbursements and wallet funding via API. Track every state change through webhooks or poll by externalId.
4
money-movement APIs: collections, disbursements, settlement, wallet funding
2
environments — UAT sandbox and production — with the same contract
RWF
settlement in local currency to your bank or wallet
*743#
USSD shortcode with extensions for your own menu backend
Talk to our team about your use case, or start in the UAT sandbox today.