RukaPay
RukaPayPayment APIs
Documentation
Gateway API · Uganda fintech infrastructure

Payment APIs built for scale

Integrate collections, payouts, bank transfers, bill payments, and airtime through one secure Gateway API — designed for partners who need reliability across MTN, Airtel, and Ugandan banks.

Start integratingView API reference
x-api-key authentication/api/v1/gateway
sandbox · process-transfer
curl -X POST \
  https://dev-api.rukapay.net/api/v1/gateway/process-transfer-sandbox \
  -H "x-api-key: YOUR_SANDBOX_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "transactionMode": "PARTNER_COLLECT_MNO",
    "amount": 50000,
    "currency": "UGX",
    "phoneNumber": "256700000000",
    "mnoProvider": "MTN",
    "partnerReference": "INV-1001",
    "callbackUrl": "https://your-app.com/webhooks/rukapay"
  }'

Development uses process-transfer-sandbox

MTN Mobile MoneyAirtel MoneyBank disbursementsBill & utility networksREST · JSON · Webhooks

One API, every payment flow

A single process-transfer endpoint powers all transaction types. Choose the right transactionMode and go.

Collections

Collect from MTN and Airtel wallets. Funds credit your partner wallet with webhook callbacks.

PARTNER_COLLECT_MNO

Read docs

Payouts

Disburse to mobile money instantly. Validate beneficiaries before your first live payout.

PARTNER_SEND_MNO

Read docs

Bank transfers

Send to Ugandan bank accounts with a single transaction mode and partner reference.

PARTNER_SEND_BANK

Read docs

Bill payments

Pay utilities and subscriptions — NWSC, UMEME, TV, and more through one API.

PARTNER_PAY_BILL_PAYMENT

Read docs

Airtime

Top up MTN and Airtel numbers programmatically for your customers or agents.

PARTNER_PAY_AIRTIME

Read docs

Webhooks

Receive SUCCESS and FAILED callbacks on your HTTPS endpoint for collections and async flows.

callbackUrl

Read docs

From sandbox to production

Test safely on dev, then ship with the same request shapes on production.

01

Get API credentials

Create a partner account and generate sandbox keys for dev-api.rukapay.net.

02

Integrate in sandbox

Use -sandbox endpoints to validate flows without moving real funds.

03

Go live

Switch to production URLs on api.rukapay.net with live keys and webhooks.

Built for developers

Clear REST contracts, predictable errors, and documentation aligned with the live rdbs_core Gateway API implementation.

  • Idempotent partnerReference on every transfer
  • Validate beneficiaries before payouts
  • Poll transaction status by ID or reference
  • HTTPS callbacks for collection completion
Sandbox environment guide

Development endpoints

On dev-api.rukapay.net, always use the full sandbox URLs:

  • Validate beneficiary

    https://dev-api.rukapay.net/api/v1/gateway/validate-beneficiary-sandbox

  • Process transfer

    https://dev-api.rukapay.net/api/v1/gateway/process-transfer-sandbox

Ready to build?

Explore the full API reference, generate keys, and ship your first integration in the sandbox.

Open documentationAPI keys