Bank Disbursement

The Bank Disbursement API enables merchants to transfer funds directly from their SplashPay wallet to supported bank accounts in Tanzania. Each request is processed securely and can be tracked using the transaction reference or provider reference.

Endpoint

POST /disbursements/bank

Authentication

Every request must include your API credentials.

Header	Required	Description
X-API-KEY	✅	Merchant API Key
X-API-SECRET	✅	Merchant API Secret
Idempotency-Key	✅	Unique request identifier
Content-Type	✅	application/json

Example Request

cURL
JavaScript
Python
PHP

curl --request POST \
  --url https://api.splashpay.co.tz/api/v1/disbursements/bank \
  --header "Content-Type: application/json" \
  --header "X-API-KEY: pk_live_xxxxxxxxx" \
  --header "X-API-SECRET: sk_live_xxxxxxxxx" \
  --header "Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000" \
  --data '{
      "reference":"BANK-100001",
      "bank_code":"NMIBTZTZ",
      "account_number":"1234567890",
      "account_name":"John Doe",
      "amount":100000,
      "currency":"TZS",
      "remarks":"Supplier Payment",
      "metadata":{
          "invoice":"INV-10001"
      }
  }'

const response = await fetch(
  "https://api.splashpay.co.tz/api/v1/disbursements/bank",
  {
    method: "POST",
    headers: {
      "Content-Type": "application/json",
      "X-API-KEY": process.env.SPLASHPAY_KEY,
      "X-API-SECRET": process.env.SPLASHPAY_SECRET,
      "Idempotency-Key": crypto.randomUUID(),
    },
    body: JSON.stringify({
      reference: "BANK-100001",
      bank_code: "NMIBTZTZ",
      account_number: "1234567890",
      account_name: "John Doe",
      amount: 100000,
      currency: "TZS",
      remarks: "Supplier Payment"
    }),
  }
);

const data = await response.json();

import uuid
import requests

response = requests.post(
    "https://api.splashpay.co.tz/api/v1/disbursements/bank",
    headers={
        "X-API-KEY": "pk_live_xxxxxxxxx",
        "X-API-SECRET": "sk_live_xxxxxxxxx",
        "Idempotency-Key": str(uuid.uuid4()),
        "Content-Type": "application/json",
    },
    json={
        "reference": "BANK-100001",
        "bank_code": "NMIBTZTZ",
        "account_number": "1234567890",
        "account_name": "John Doe",
        "amount": 100000,
        "currency": "TZS",
        "remarks": "Supplier Payment",
    },
)

print(response.json())

$client = new \GuzzleHttp\Client();

$response = $client->post(
    'https://api.splashpay.co.tz/api/v1/disbursements/bank',
    [
        'headers' => [
            'X-API-KEY' => 'pk_live_xxxxxxxxx',
            'X-API-SECRET' => 'sk_live_xxxxxxxxx',
            'Idempotency-Key' => uniqid(),
        ],
        'json' => [
            'reference' => 'BANK-100001',
            'bank_code' => 'NMIBTZTZ',
            'account_number' => '1234567890',
            'account_name' => 'John Doe',
            'amount' => 100000,
            'currency' => 'TZS',
            'remarks' => 'Supplier Payment',
        ],
    ]
);

echo $response->getBody();

Request Body

Field	Type	Required	Description
reference	string	✅	Unique merchant payout reference
bank_code	string	✅	Destination bank code (use the shortcode from the table below)
account_number	string	✅	Recipient bank account number
account_name	string	✅	Recipient account name
amount	decimal	✅	Amount to transfer
currency	string	✅	Transaction currency
remarks	string	✅	Payment description
metadata	object	No	Additional merchant metadata

Supported Banks

SplashPay supports payouts to the following financial institutions.

Bank	Shortcode	Name Lookup
ABSA Bank	`ABSA`	✅
Selcom Microfinance Bank (Selcom Pesa)	`SPSCASHIN`	✅
Akiba Commercial Bank	`AKIBA`	✅
Amana Bank	`AMANABANK`	✅
Azania Bank	`AZANIA`	✅
Access Bank Tanzania	`BANCABC`	✅
Bank of Africa Tanzania	`BOA`	✅
Bank of Baroda Tanzania	`BANKOFBARODA`	✅
Bank of India Tanzania	`BANKOFINDIA`	✅
China Dasheng Bank	`CHINADASHENG`	✅
Citibank Tanzania	`CITIBANK`	✅
CRDB Bank	`CRDBBANK`	✅
DCB Commercial Bank	`DCBBANK`	✅
Diamond Trust Bank	`DTB`	✅
Ecobank Tanzania	`ECOBANK`	✅
Equity Bank Tanzania	`EQUITYBANK`	✅
Exim Bank	`EXIMBANK`	✅
FINCA Microfinance Bank	`FINCA`	✅
Guaranty Trust Bank Tanzania	`GTBANK`	✅
Habib African Bank	`HABIBBANK`	✅
I&M Bank Tanzania	`IMBANK`	✅
International Commercial Bank	`ICB`	✅
KCB Bank Tanzania	`KCB`	✅
Coop Bank Tanzania	`KILIMANJARO`	✅
Letshego Bank Tanzania	`LETSHEGO`	✅
Maendeleo Bank	`MAENDELEO`	✅
Mkombozi Commercial Bank	`MKOMBOZI`	✅
Mwalimu Commercial Bank	`MWALIMU`	✅
Mwanga Hakika Microfinance Bank	`MWANGA`	✅
National Microfinance Bank (NMB)	`NMB`	✅
NBC Bank	`NBC`	✅
NCBA Bank Tanzania	`NCBA`	✅
People’s Bank of Zanzibar	`PBZ`	✅
Stanbic Bank Tanzania	`STANBIC`	✅
Tanzania Commercial Bank	`TCB`	✅
Uchumi Commercial Bank	`UCHUMI`	✅
United Bank for Africa	`UBA`	✅

Use the Shortcode value when specifying the bank_code field in your request. You can also verify the recipient’s account details using the Name Lookup API before initiating a bank disbursement.

Example Response

{
  "status": "success",
  "code": "DISBURSEMENT_INITIATED",
  "message": "Disbursement initiated successfully.",
  "data": {
    "reference": "BANK-100001",
    "amount": "100000.00",
    "fee": "500.00",
    "total_amount": "100500.00",
    "currency": "TZS",
    "bank_code": "NMIBTZTZ",
    "bank_name": "National Microfinance Bank",
    "account_number": "1234567890",
    "account_name": "John Doe",
    "provider": "selcom",
    "status": "processing",
    "remarks": "Supplier Payment",
    "metadata": {}
  },
  "request_id": "6d878d91-fdfa-4763-b74c-8321c11c9b6b"
}

Transaction Status

Status	Description
pending	Request received
processing	Submitted to the bank
paid	Transfer completed successfully
failed	Transfer failed
cancelled	Transfer cancelled

Name Lookup

Before initiating a bank transfer, you can verify the account details.

POST /disbursements/name-lookup

Example request:

{
  "type": "BANK",
  "bank_code": "NMIBTZTZ",
  "account_number": "1234567890"
}

Error Codes

Code	Description
INVALID_BANK	Unsupported bank
INVALID_ACCOUNT	Invalid account number
ACCOUNT_NAME_MISMATCH	Account verification failed
INSUFFICIENT_BALANCE	Merchant wallet balance is insufficient
DUPLICATE_REFERENCE	Reference already exists
DUPLICATE_REQUEST	Duplicate Idempotency-Key
PROVIDER_ERROR	Provider returned an error

Best Practices

Verify account details

Use the Name Lookup API before initiating a bank transfer.

Use unique references

Each disbursement should have a unique merchant reference.

Include an Idempotency-Key

Prevent duplicate transfers when retrying requests.

Use webhooks

Listen for webhook events instead of continuously polling the Status API.

Getting Started

Collections

Disbursements

Bank Disbursement

Bank Disbursement

Endpoint

Authentication

Example Request

Request Body

Supported Banks

Example Response

Transaction Status

Name Lookup

Error Codes

Best Practices

​Bank Disbursement

​Endpoint

​Authentication

​Example Request

​Request Body

​Supported Banks

​Example Response

​Transaction Status

​Name Lookup

​Error Codes

​Best Practices

Bank Disbursement

Endpoint

Authentication

Example Request

Request Body

Supported Banks

Example Response

Transaction Status

Name Lookup

Error Codes

Best Practices