B2C Transfers
Send money from your business wallet to customer M-Pesa wallets.
Overview
B2C (Business-to-Customer) payouts are used for refunds, salary payments, commissions, or any disbursement to an individual's M-Pesa account.
Create Payout
Use the /payouts endpoint with type b2c. idempotency_key is required on every payout — pick a stable value per logical transfer so retries never double-pay.
POST /v1/payouts
{
"type": "b2c",
"recipient_phone": "254712345678",
"amount": 500,
"reference": "REF-001",
"narration": "Refund for order #123",
"idempotency_key": "refund-order-123"
}