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Our APIs enable developers to build great products that support a variety of payments easily.

SoftPay Products


Enable remote collection of bills, fees or taxes.

Collections is a service that enables SoftPay partners to receive payments for goods and services using a variety of payment systems. The services can be face-to-face like SP SmartPay or can be done remotely for both offline and online. Payments can be customer-initiated on SMS/App/Web or Merchant-initiated where a customer is sent a debit request for approval.

Once the service is enabled, a Collections account is created for the partner to which funds are deposited/received. The partner is able to make onward payments to their suppliers/partners/employees (B2B or B2C) and/or liquidate the collected funds into their respective bank accounts.

The service offers the convenience of collection for online payments, bills, loan repayments, contribution to activities and installments to mutually agreed upon repayments of services and products. Examples of partners with bill collections are Umeme, National Water, URA, NSSF, DSTV to name but a few.

Prerequires: OAuth 2.0

APIs Used: ValidateAccountHolder, Balance, Payment


Automatically deposit funds to multiple users

Disbursements is a service that enables SoftPay partners to send money in bulk to different recipients with just one click. This setup can be manually executed (logging into the system, uploading recipient's list and trigger payments) or automated (requires a one-time setup of the recipients' lists and commands to effect payment).

Examples of partners that use this service are: Betting companies to pay winners, Disbursements of funds to refugees/beneficiaries among others.

The expectation is that the partner opens a Disbursement account with SoftPay and this account is pre-funded to enable the payments once the requests come through from the partner.

Prerequires: OAuth 2.0

APIs Used: ValidateAccountHolder, Balance, Transfer