Developer Documentation
Connect your platform to Lipachap for mobile money payments, disbursements, and real-time notifications across East Africa.
Quick Start
Make your first API call in under 5 minutes with our step-by-step guide.
API Reference
Complete documentation of all endpoints, parameters, and responses.
Code Samples
Copy-ready clients in Node.js, Python, PHP, Java, Go, C#, Ruby, and C.
Make your first payment
Collect mobile money from a customer MSISDN. Sign every request with GATEWAY authentication, then POST to the cashin endpoint.
1. Sign the request
const crypto = require("crypto");
// digest = sha256(apiSecret + requestPath + rawRequestBody)
const digest = crypto.createHash("sha256")
.update(apiSecret + "/api/v1/gateway/payments/cashin" + rawBody)
.digest("hex");
// token = base64(apiKey + ":" + digest)
const authorization = "GATEWAY " + Buffer.from(`${apiKey}:${digest}`).toString("base64");2. Collect payment (CASHIN)
curl -X POST https://sandbox.api.lipachap.com/api/v1/gateway/payments/cashin \
-H "Content-Type: application/json" \
-H "Authorization: GATEWAY <base64_token>" \
-d '{
"transid": "ORDER-12345",
"amount": 10000,
"msisdn": "255712345678",
"utilityref": "INVOICE-001"
}'3. Handle the response
{
"resultcode": "000",
"result": "SUCCESS",
"message": "Transaction queued",
"reference": "LC-ABC123",
"transid": "ORDER-12345",
"status": "PENDING"
}Poll POST /api/v1/gateway/payments/status or set up webhooks for real-time updates.
Features
Mobile Money Payments
Accept payments from M-Pesa, Airtel Money, Tigo Pesa, and other networks across Tanzania, Kenya, and Uganda.
Disbursements
Send money to any mobile money wallet with automated fee calculations.
Split Payments
Automatically split payments between multiple parties with flexible rules and real-time processing.
Bill Payments
Enable customers to pay utility bills, subscriptions, and services directly through mobile money.
Environments
| Environment | Base URL | Keys |
|---|---|---|
| Sandbox | https://sandbox.api.lipachap.com | TEST keys from signup |
| Production | https://api.lipachap.com | LIVE keys (requires approval) |
Note: TEST keys only work on the sandbox host; LIVE keys only work on the production host.