Payment Gateway API - Send And Receive Money with IntaSend

September 27th, 2022 by Felix Cheruiyot


As a business owner, you know that providing your customers with multiple payment options is critical to building a great customer experience. You want to make it as easy as possible for them to purchase your products and services. This is where a payment gateway comes in. A Payment Gateway API is a third-party service that securely processes payments between a merchant and their customers via the internet. Read on to learn how to use the IntaSend API to send money and how you can enjoy the best user experience possible.

A payment gateway API is a service that allows you to accept credit card and electronic check payments from your customers. It is a middleman between your website and the bank that processes your payments. Payment gateways API play an important role in facilitating e-commerce transactions. By allowing customers to make payments through their chosen payment method, payment gateways help to increase conversions and drive more revenue through subscriptions and other services offered by the merchant.

Also, as a business owner, finding a good payment provider that allows you to make mobile and bank payment disbursements should be a priority. Good payment gateway APIs will allow you to make bulk payments to mobile and bank accounts, which is exactly the kind of service IntaSend offers. Thankfully, the API integration is not complicated and has been made simpler by IntaSend, so all you need to do is to get the API keys, test, and go live in just a few hours.

There are many benefits of using the IntaSend payment gateway API for your business. First, it makes it easier for you to accept credit card payments. Second, it helps you protect your customers' information. Third, it can save you money on transaction fees. IntaSend is currently one of the best in the business, so it’s a good choice for your business. This article is a detailed guide on how to send payments using IntaSend. By the end of this guide, you’ll be able to explore several financial products on IntaSend used to facilitate payments using several methods.

What are the benefits of Payment Gateways like IntaSend?

Easy way to accept payments from customers

You might need a payment gateway API for your business for several reasons. First, if you sell products or services online, you'll need a way to accept your customers' credit card and/or mobile payments. You might also need a payment gateway to sell digital products or services. These are things like e-books, tutorials, or software. You need a way to collect money from people who want to buy your products or services. The IntaSend payment offers these benefits to help run your business smoothly.

Payment gateways offer several benefits for businesses. First, they allow you to take credit card payments securely online. This can save you time and hassle, as you won’t have to process payments through your bank. Additionally, payment gateways API can give your customers a better user experience.

Automate recurring billing for purchase subscriptions

Second, you may need a payment gateway to set up recurring billing for customers who purchase subscriptions to your service. A payment gateway can automate this process by regularly charging your customers' credit cards.

Protect customers’ information (Managed security)

Third, a payment gateway can help you protect your customers' information. When customers enter their credit card information on your website, it's important that this information is encrypted and stored securely. A payment gateway can help you with this by providing security features like encryption and fraud detection.

In addition to providing security features, a payment gateway can also help you with compliance. Payment card industry (PCI) compliance is a set of security standards that all businesses that accept credit cards must follow. A payment gateway can help you with PCI compliance by providing features like data storage and SSL encryption.

Payment gateway API security is important for two main reasons. First, you want to protect your customers' information. If your website is hacked and customer information is stolen, it could damage your reputation and cost you money. Second, you want to protect yourself from fraud.

In addition to providing security features, a payment gateway API can also help you with fraud detection. Using a payment gateway, you can set up rules that automatically flag suspicious transactions. This can help you protect your customers from fraudsters and prevent chargebacks.

Easy and affordable to get started

Fourth, a payment gateway can save you money on transaction fees. When you use a payment gateway, you usually pay a small percentage of each transaction as a fee to the payment gateway API provider. This is much lower than the fees you would pay if you process credit card payments yourself, plus the overheads of setting up your own payment infrastructures. Not only will you save money on transaction fees, but you can also save money on your customers’ credit card processing fees.

When you process credit card payments, you are responsible for paying the credit card processing fees. However, when you use a payment gateway, the payment gateway API provider pays the credit card processing fees. This can save you significant money, especially if you process many credit card payments.

Payment gateways can also save you money on your currency conversion fees. When you use a payment gateway API, you can choose to have your transactions processed in the currency of your choice. This can save you significant money on your currency conversion fees.

How To Use The IntaSend API To Send Money

IntaSend offers arguably the best payment services in Kenya and nearby African countries. IntaSend API enables you to automate payments for your business. Below is a list of Send Money APIs you can leverage on.

M-Pesa API

If you’re a big business, you’ll need a robust payment processor that can handle large transactions, and that’s what our M-Pesa API can help you achieve. With our M-Pesa API, you can send up to a batch of 5000 transactions on a single request. Being able to send bulk and single payments whenever you want is an advantage for any business. This M-Pesa API will help you send payments directly from your IntaSend wallet to thousands of mobile accounts in Kenya. M-Pesa API supports both B2C and B2C payments. You can also make a direct deposit directly to your recipient's local account.

Worried about integrating it because you think the process will be complicated? You might want to take a breather there! We’ve done the hard part for you to have a smooth and easy experience integrating the M-Pesa payment system into your business. To begin using the financial product, you must use our SDKs to connect to the M-Pesa API. The M-Pesa API SDKs include the following;

Transfer API

If you don’t want to use the M-Pesa B2B payment API, you can opt for the IntaSend transfer API, which allows you to send payments to over 33 African countries. This API is perfect for salary payments, remittances, and other payment disbursement solutions. It is perfect if you want an amazing experience because it allows you to design your transfer process and manage your payments in real-time. It also allows you to set your rates and decide how much you would like to charge your users for using your transfer API. Also, we provide transfer liquidity in multiple countries, so you don’t have to worry about how to convert different currencies. You can access this API from your IntaSend dashboard.

Some of the benefits of using the IntaSend transfer API include;

Business payments

This payment option is similar to the M-Pesa API in many ways. Like the M-Pesa API, this payment option allows you to send single and bulk payments to several accounts in Kenya. The best thing about it is that it is faster and more affordable. You must add your payment beneficiaries list from your dashboard or through the API to send payments. You’ll then be asked to preview the information you’ve just provided before you authorize. It’s important to carefully verify the information you’ve provided to ensure you don’t send payments to the wrong accounts. Once you’ve verified the account information of your beneficiaries, you can authorize the payments and generate reports for bookkeeping.

Like the M-Pesa payment API, you can send payments in multiple ways, including Orange Money, PesaLink, M-Pesa (mobile money), Airtel Money, and Equitel, among many others. This payment option is perfect if you regularly pay a lot of people. It allows you to send bulk payments to your suppliers, pay salaries, and many more. The funds can be sent to your beneficiaries’ M-Pesa till numbers and paybill. Apart from making mobile payments, you can also send bank payments to suppliers or employees who bank transfers would rather settle. Alternatively, you can pay your employees through a unique payment link. It's one of the easiest ways to pay and get paid on IntaSend.

Some of the features of the business payment option include the following options;

The Test Environment

The good thing about using the IntaSend payment API is that you don’t necessarily have to throw yourself into the thick of the action. Before you go live with any of these APIs, you can test them from your sandbox, check their functionality, and decide if they’re good enough for you. This leaves you in total control of your business as you don’t have to be coerced into something you won’t like. If you’re comfortable with what you see in the sandbox environment, you can decide to go live with the integration. To access your sandbox, go to for API testing before you switch to live.

Here is the link to the IntaSend API Documentation for your reference.


If you're doing business in Africa, you need a payment gateway that accepts customers' payments via M-Pesa. IntaSend is one of the best payment gateways in Africa and offers an M-Pesa Payment API that is easy to use and comes with several tools and SDKs to make integration easy. So if you're looking for a payment gateway for your African business, then be sure to check out IntaSend. Sign up today to get started!

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