Payouts

Pay out funds from your SenjaroPay merchant wallet to a beneficiary bank account.

Look up the account name first, confirm it with your beneficiary, then create the transfer. Bank payouts are available in TZS today. Always send currency explicitly — additional currencies (for example USD) and mobile money payouts will be documented when they go live.

All calls are POST to https://api.senjaropay.com and require x-api-key and x-api-secret. Transfer also requires x-idempotency-key.

How it works

Authentication

import { randomUUID } from "node:crypto";
const idempotencyKey = randomUUID();

import uuid
idempotency_key = str(uuid.uuid4())

Reuse an idempotency key only when retrying the same transfer (same amount, currency, bank, account, and name).

Currency

Always pass currency on transfer. Do not assume the wallet default.

Bank short codes

Pass the bank shortcode in the bank field for account-name lookup and transfer. Prefer the same value for both calls.

1. Look up account name

POST https://api.senjaropay.com/senjaropay/merchant/fundtransfer/api/account-name-lookup

Validates the bank account and returns the registered name. Do not create a payout until the name matches what your beneficiary expects.

Request

{
  "bank": "ABSA",
  "account": "0001234567"
}

Response

{
  "status": "success",
  "code": 200,
  "data": {
    "resultcode": "000",
    "result": "SUCCESS",
    "message": "Success",
    "reference": "20261029141001953",
    "transid": "LOOKUP-MOCK-7f3a91c2",
    "bank": "ABSA",
    "account": "0001234567",
    "account_name": "Test Customer",
    "data": {
      "name": "Test Customer"
    }
  }
}

curl -sS -X POST "https://api.senjaropay.com/senjaropay/merchant/fundtransfer/api/account-name-lookup" \
  -H "Content-Type: application/json" \
  -H "x-api-key: ${SENJARO_API_KEY}" \
  -H "x-api-secret: ${SENJARO_API_SECRET}" \
  -d '{"bank":"ABSA","account":"0001234567"}'

2. Create a bank payout

POST https://api.senjaropay.com/senjaropay/merchant/cashout/api/transfer

Debits your merchant wallet and sends the funds to the beneficiary bank account. x-idempotency-key is required.

Request

{
  "amount": 10000,
  "currency": "TZS",
  "bank": "ABSA",
  "account": "0001234567",
  "name": "Test Customer"
}

Response

{
  "status": "success",
  "code": 200,
  "data": {
    "success": true,
    "withdrawal_id": "c4fbdacb-6ac4-4159-ad23-50286a001ba4",
    "transaction_reference": "WDMVTEJ1P9VXJ8",
    "amount": 10000,
    "fee": 500,
    "net_amount": 9500,
    "currency": "TZS",
    "payout_amount": 9500,
    "payout_currency": "TZS",
    "fx_rate": null,
    "balance": {
      "currency": "TZS",
      "collections": 50000,
      "bill_payments": 5000,
      "withdrawals": 20000,
      "international_transfers": 10000,
      "available": 15000
    },
    "status": "PROCESSING",
    "account_name": "Test Customer",
    "account": "0001234567",
    "bank": "ABSA"
  }
}

curl -sS -X POST "https://api.senjaropay.com/senjaropay/merchant/cashout/api/transfer" \
  -H "Content-Type: application/json" \
  -H "x-api-key: ${SENJARO_API_KEY}" \
  -H "x-api-secret: ${SENJARO_API_SECRET}" \
  -H "x-idempotency-key: $(uuidgen)" \
  -d '{
    "amount": 10000,
    "currency": "TZS",
    "bank": "ABSA",
    "account": "0001234567",
    "name": "Test Customer"
  }'

Errors

{
  "status": "error",
  "code": 400,
  "error_code": "validation_error",
  "message": "currency is required"
}

Examples on this page are mock values. Keep API keys in server-side secrets.