Withdrawals

Send money from wallets to M-Pesa or bank accounts. Withdrawals are processed via M-Pesa B2C for mobile money.

API Reference

Get Withdrawal Providers

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Create Withdrawal

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Get Withdrawal Status

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Withdrawal Flow

Funds are reserved from the wallet
M-Pesa B2C request is sent to Safaricom
Customer receives money in M-Pesa
Webhook is sent with final status

Fees

Provider	Fee
M-Pesa	35 KES flat
Bank Transfer	75 KES flat

Testing in Sandbox

Sandbox wallets start with 0 KES balance. You need to deposit funds first you can use for testing withdrawals. In sandbox mode, withdrawals use the real M-Pesa B2C API to send money to real phone numbers.

Use real Kenyan phone numbers for testing
Real funds will be sent to the recipient
Webhooks will be triggered upon completion or failure
Test balance is replenished when you create new wallets

Code Examples

withdrawals.js

const BASE = 'https://api.wasaapay.com/api/v1/partner';
const headers = { 'X-API-Key': process.env.WASAAPAY_API_KEY };

// List providers and fees
const providers = await fetch(`${BASE}/withdrawals/providers`, { headers });
const { data } = await providers.json();

// Initiate M-Pesa withdrawal
const res = await fetch(`${BASE}/withdrawals`, {
  method: 'POST',
  headers: { ...headers, 'Content-Type': 'application/json', 'X-Idempotency-Key': crypto.randomUUID() },
  body: JSON.stringify({
    walletId: 'wallet_abc123',
    amount: 1000,
    provider: 'MPESA',
    phoneNumber: '+254712345678',
  }),
});
const { data: withdrawal } = await res.json();
console.log('Withdrawal ID:', withdrawal.id, 'Status:', withdrawal.status);

// Poll for status
const status = await fetch(`${BASE}/withdrawals/${withdrawal.id}`, { headers });
const { data: updated } = await status.json();