General Transfer

Scope

This applies to scenarios where end users are making a transfer to:

1. M-PESA Mobile Money

2. AIRTEL Mobile Money

3. Choice Bank Account

4. Pesalink

Pesalink Transfer has following limitations:

1. Dometic banks only

2. KES currency only

3. Maximum KES 999,999 per transaction

4. Some counter banks restrict Pesalink service to business hours

Recommendations for Alternative Use Cases

1. Large/Urgent Transfers → Prioritize RTGS for immediate, high-value settlements.

2. ​Cross-Border Payments → Utilize SWIFT or mobile money corridors (e.g., M-PESA Global).

3. ​After-Hours Transactions → Leverage M-PESA for 24/7 liquidity.

4. ​Bulk Corporate Payments → Integrate with bank APIs or dedicated bulk payment platforms.

Steps

1

Initiate Transfer Request

Call endpoint /trans/v2/applyForTransfer to initiate a transfer request

Status: 1-SUBMITTED

2

Confirm OTP

Call endpoint /common/sendOtp to request for OTP, filling the value of txId to businessId parameter. Call endpoint /common/confirmOperation to confirm the OTP code received.

Status: 2-PROCESSING

The endpoint /common/sendOtp can also be used to resend OTP.

3

Transaction Processing

Status: 2-PROCESSING

4

Get Onboarding Result

• Get it from 0002 - Transaction Result Notification

• Query transaction status by calling the endpoint /query/getTransResult

Status

Transaction Types

Transaction Type (txType)	Description
TTID0001	Withdraw to M-PESA
TTID0002	Transfer Out
TTID0003	Transfer In
TTID0004	Interest Income
TTID0005	M-PESA Paybill / Till
TTID0006	Utility Payment
TTID0007	Refund
TTID0008	FCY Deposit
TTID0009	FCY Transfer Out
TTID0010	FCY Exchange
TTID0011	Reversal
TTID0023	Cash Deposit
TTID0024	Cash Withdrawal