Local Payment Method

✅
What this does
Your customer pays with a method they already use — M-Pesa, GCash, PIX, SEPA, cards, and more. You get the money on your TransFi balance in the currency you choose.

Steps

1. Create the customer

curl -X POST 'https://sandbox-api.transfi.com/v3/users/individual' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID' \
  -H 'Content-Type: application/json' \
  -d '{
    "firstName": "Asha",
    "lastName": "Kamau",
    "email": "[email protected]",
    "phone": "0712345678",
    "phoneCode": "+254",
    "country": "KE",
    "date": "15-06-1990"
  }'

Save the userId from the response. → Create Individual User

2. Find the payment methods for their country

curl -X GET 'https://sandbox-api.transfi.com/v3/config/payment-methods?direction=deposit&country=KE' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID'

Use the paymentType and paymentCode from the response in the next step. → List Payment Methods

3. Create the order

curl -X POST 'https://sandbox-api.transfi.com/v3/orders' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID' \
  -H 'Content-Type: application/json' \
  -d '{
    "userId": "UX-250930062608488",
    "orderType": "payin",
    "purposeCode": "company_expenses",
    "partnerId": "order-1001",
    "successRedirectUrl": "https://yourapp.com/success",
    "failureRedirectUrl": "https://yourapp.com/failure",
    "source": {
      "currency": "KES",
      "amount": "2500",
      "paymentType": "local_wallet",
      "paymentCode": "MPESA"
    },
    "destination": {
      "currency": "USDT"
    }
  }'

{
  "status": "success",
  "data": {
    "orderId": "OR-2509291454262384294",
    "payUrl": "https://sandbox-pay-widget.transfi.com/pay?paytoken=..."
  }
}

→ Create Order

4. Send the customer to `payUrl`

They pay there. When they come back, the payment is not yet confirmed — wait for the status.

5. Wait for the final status

Status	Meaning	What to do
`initiated`	Waiting for the customer to pay	Show "pending"
`fund_settled`	Done. Money is on your balance	Deliver what they paid for
`fund_failed`	Payment didn't arrive, or was declined	Create a new order with a new `partnerId`
`manual_review`	Compliance is reviewing the payment (often a sender-name mismatch)	Show "under review". Don't deliver yet

Use webhooks to be told when the status changes, or check with Get Order.

🛑
Don't retry a failed order. Create a new one with a new partnerId.

Test it

Create the order in sandbox, then set its status with Simulate Order Status.

Collect Crypto · Collect via a Virtual Account · Payouts

Local Payment Method

What this does

Steps

1. Create the customer

2. Find the payment methods for their country

3. Create the order

4. Send the customer to `payUrl`

5. Wait for the final status

Don't retry a failed order. Create a new one with a new `partnerId`.

Test it

Related

What this does

Steps

1. Create the customer

2. Find the payment methods for their country

3. Create the order

4. Send the customer to payUrl

5. Wait for the final status

Don't retry a failed order. Create a new one with a new partnerId.

Test it

Related

4. Send the customer to `payUrl`

Don't retry a failed order. Create a new one with a new `partnerId`.