Jayb for Developers Full-Featured Wallet APIs • Drop-in SDK • 9 Currencies

One Clean REST API for Wallets, Points, Multi-Currency FX & 4 Payment Rails.

Every feature in the Jayb web app is exposed via clean, idempotent /api/v1 endpoints so you can build mobile apps, feature apps, and marketplace integrations. Provision multi-currency & loyalty points wallets, initiate M-Pesa, Airtel Money, Card & PesaLink top-ups, award and redeem loyalty points, execute free personal transfers or business-charged payments, withdraw to M-Pesa, Airtel Money & Bank accounts, and create unlimited separate businesses per user.

Get API Keys View Full API Reference →

wallet_api.sh

REST API v1

# 1. Top up wallet via M-Pesa, Airtel, Card or PesaLink
curl -X POST https://www.jayb.page.ke/api/v1/wallets/+254712345678/top_up \
  -H "Authorization: Bearer jayb_live_sk_..." \
  -d '{"amount": 15000, "currency": "KES", "channel": "mpesa"}'

# 2. Pay business or peer (or withdraw to MoMo / Bank)
curl -X POST https://www.jayb.page.ke/api/v1/wallets/+254712345678/transfer \
  -H "Authorization: Bearer jayb_live_sk_..." \
  -d '{"recipient": "582910", "amount": 4500, "currency": "KES"}'

POST /api/v1/wallets/:phone/transfer 200 OK

{ "transfer_type": "internal_to_business", "fee_bearer": "split", "points_awarded": 45 }

100% Parity Between Web App & API

Every Wallet, Multi-Business, FX & Payment Endpoint Ready for Mobile & Partner Apps

Build native mobile wallets or integrate partner marketplaces, logistics platforms, and property apps using our complete suite of REST endpoints:

Wallets & Multi-Currency

Wallets, Currencies & Points

POST /api/v1/wallets
GET /api/v1/wallets/:phone/balance
GET /api/v1/wallets/:phone/transactions
POST /api/v1/wallets/:phone/open_currency
POST /api/v1/points/earn & /redeem

Top-Ups, Transfers & FX Desk

Move Money & Convert FX

POST /api/v1/wallets/:phone/top_up
POST /api/v1/wallets/:phone/transfer
POST /api/v1/wallets/:phone/convert_currency
GET /api/v1/fx/rates & /fx/quote

Merchants, Checkout & Payouts

Businesses, Checkout & Cross-Border

POST /api/v1/businesses & /merchants/provision
POST /api/v1/merchants/kyb & /fee_policy
POST /api/v1/checkout/sessions & /invoice
POST /api/v1/transfers/request_payout
POST /api/v1/payouts/bulk_mpesa

⚡

Drop-in Checkout Modal: Two Lines of JavaScript

Embed widget.js (<18 KB) to accept M-Pesa, Airtel Money, Card, PesaLink, and Jayb Loyalty Points without building custom payment forms.

⚖️

Programmatic Customer Fee Coverage Engine

Configure per-business wallet fee bearer rules (business, customer, or split) or checkout fee modes via API.

🔐

Real-time Webhooks with HMAC-SHA256 Replay Protection

Every webhook includes X-Jayb-Signature and X-Jayb-Timestamp with instant key rotation and isolated sandbox testing in the Client Portal.