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Preview a bank payout to confirm fees, settlement, estimated arrival, and — when the bank supports it — the beneficiary account name. Then create the payout to send funds to the recipient’s Tanzanian bank account. Pay from TZS or USD (currency). Recipients receive TZS. When the source currency differs from the receiving currency, preview and create responses include exchanged and exchange.
Create Bank Payout allows one create request every 60 seconds per merchant. Creating another payout before the cooldown ends returns an error with the remaining wait time. Preview is not affected.

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Prerequisites

  1. API Keys - Generate API Keys for Hosted Checkout integration.
  2. Authorization Token - Use API Keys to Generate Authorization Token.

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Settlement

ClickPesa uses the best available route for each bank payout. Request transferType is optional — existing integrations can keep sending ACH or RTGS, but it does not select the rail. Use the response transferType for the value that was or will be applied. Typical settlement:
  • TZS up to 20,000,000 TZS: ACH
  • TZS above that: RTGS
  • USD: RTGS
Preview and create also return estimatedArrival (Instant or 1-3 Working Days).

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Beneficiary name lookup

Preview Bank Payout may include the account holder name when lookup succeeds for the selected bank.
  • nameLookupStatus is RESOLVED when receiver.accountName is present
  • nameLookupStatus is UNAVAILABLE when lookup did not return a name — receiver.accountName is omitted. Pass your own verified name on Create Bank Payout

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How It Works

Step 1 - Retrieve Account Balance

Retrieve Account Balance

Retrieve your available account balance to ensure sufficient funds for processing payouts.
Step 2 - Retrieve Bank List

Retrieve Banks List

Retrieve the list of supported banks and their BICs to use when previewing and creating a payout.
Step 3 - Validate Payout Details

Preview Bank Payout

Validates bank payout details like bank name, amount, order reference, and fee before processing the payout. May include the beneficiary account name when lookup is available.
Step 4 - Initiate Bank Payout

Create Bank Payout

Initiate a bank payout by sending a request to the API. The specified amount will be transferred to the recipient’s bank account.
Step 5 - Check Payout Status

Check Payout Status

Query the payout status using the Order Reference to track whether the transaction was successful.