Kenya (KE / KES)

Kenya supports M-PESA mobile money and bank rails for OnRamp and OffRamp.

Discovery

# OnRamp providers (momo + bank)
curl -sS "$BASE/partner/catalog?country=KE&order_type=OnRamp" \
  -H "X-API-Key: $API_KEY" | jq '.data.onramp.countries.KE'

# Field requirements (retail default)
curl -sS "$BASE/partner/order-requirements?country=KE&currency=KES&order_type=OnRamp" \
  -H "X-API-Key: $API_KEY" | jq '.data'

# Institution (B2B) field requirements
curl -sS "$BASE/partner/order-requirements?country=KE&currency=KES&order_type=OffRamp&customer_type=institution" \
  -H "X-API-Key: $API_KEY" | jq '.data'

Sandbox test values

Full matrix: Sandbox success & failure. Sandbox only — live uses real customer phones / accounts.

Field	Success	Failure
Momo `phone_number`	`+2541111111111`	`+2540000000000`
Bank `account_number`	`1111111111`	`0000000000`
`customer.name`	Two+ words, e.g. `Jane Doe`	Same for OnRamp; failure phone/account drives fail
OffRamp `customer.name`	Include `Successful`, e.g. `Successful Jane Doe`	Include `Failure`

Example network IDs (sandbox — verify via catalog)

Rail	Example `network_id`
Safaricom M-PESA	`7ea6df5c-6bba-46b2-a7e6-f511959e7edb`
National Bank of Kenya	`30f11b2e-0905-4c09-ba5f-d05aa4e4a11c`

OnRamp (momo)

Customer pays KES via M-PESA → receives USDC/USDT on your wallet_address. See Quickstart for a full curl.

OffRamp (momo)

Use Polygon USDT on the quote:

Field	Value
`asset.currency`	`USDT`
`asset.network`	`POLYGON`
`asset.token`	`0xc2132d05d31c914a87c6611c10748aeb04b58e8f`

Sandbox: do not send crypto on-chain. Include Successful in customer.name and use success phone +2541111111111 so the crypto leg auto-credits. Details: Sandbox success & failure. Production: after accept, the customer sends the exact crypto amount to the deposit wallet in data.accepted.payment_instructions.crypto_deposit before expires_at.

Quote with order_type: OffRamp, crypto_amount, Polygon USDT asset, refund_address
Accept → for live, read payment_instructions.crypto_deposit
Sandbox: wait for webhook; production: customer sends exact amount before expires_at
Webhook order.settled when fiat is paid out to momo

OffRamp deposit address is per order from accept. Do not reuse across orders. Sandbox on-chain sends (e.g. testnet USDC/USDT) are not a supported settle path — use the Successful name trigger instead.

Bank rail

Use payment_method.type: bank and network_id from payment-methods (preferred) or catalog. Provider lists differ by direction — look up with the same country and order_type as the quote (do not reuse an OnRamp id on OffRamp).

curl -sS "$BASE/partner/payment-methods?country=KE&order_type=OnRamp" \
  -H "X-API-Key: $API_KEY" | jq .

curl -sS "$BASE/partner/payment-methods?country=KE&order_type=OffRamp" \
  -H "X-API-Key: $API_KEY" | jq .

# Also in catalog under payment_methods.bank.providers[] (filter catalog by the quote’s order_type)
curl -sS "$BASE/partner/catalog?country=KE&order_type=OnRamp" \
  -H "X-API-Key: $API_KEY" | jq '.data.onramp.countries.KE.payment_methods.bank.providers'

For momo, use catalog or payment-methods only — GET /partner/banks returns 422 for mobile_money and is not the primary path for African local fiat bank institutions.

Institution (B2B)

Same OnRamp/OffRamp quote body as retail; set customer_type: "institution" and customer.type: "institution". Required customer fields: uid, business_name, business_id, email — no DOB, national ID, or personal name. business_id is the paying business’s legal registration/tax id (not an Element Pay console id). For bank rails, the payee is payment_method.account_name + account_number + network_id (payee company may differ from the paying business). Discover exact fields with customer_type=institution on order-requirements (above). Copy-paste OffRamp bank example: Sandbox test payloads.

Get started

Customers

Corridors

Sandbox

Kenya

Kenya (KE / KES)

Discovery

Sandbox test values

Example network IDs (sandbox — verify via catalog)

OnRamp (momo)

OffRamp (momo)

Bank rail

Institution (B2B)

​Kenya (KE / KES)

​Discovery

​Sandbox test values

​Example network IDs (sandbox — verify via catalog)

​OnRamp (momo)

​OffRamp (momo)

​Bank rail

​Institution (B2B)

Kenya (KE / KES)

Discovery

Sandbox test values

Example network IDs (sandbox — verify via catalog)

OnRamp (momo)

OffRamp (momo)

Bank rail

Institution (B2B)