Customer Payouts • Busha Developer Documentation

This example shows you how to process payouts from crypto to fiat bank accounts or mobile money wallets.

Use Cases

Vendor payments from marketplace
Salary disbursements in local currency
Cash out crypto to bank account
Mobile money withdrawals

Crypto to Fiat Payout

Nigeria (NGN)
Kenya (KES)

Bank Transfer Payout

Create a Bank Recipient

First, create a recipient for the Nigerian bank account:

        curl -X POST https://api.sandbox.busha.so/v1/recipients \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
          -H "X-BU-VERSION: 2025-07-11" \
          -H "Content-Type: application/json" \
          -d '{
            "currency": "NGN",
            "country_code": "NG",
            "type": "ngn_bank",
            "bank_name": "UNITED BANK FOR AFRICA",
            "bank_code": "033",
            "account_number": "2109328188",
            "account_name": "SOSANYA DICKSON OLUMIDE"
          }'

Save the recipient_id from the response.

Create a Payout Quote

Create a quote specifying how much crypto to convert and send:

        curl -X POST https://api.sandbox.busha.so/v1/quotes \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
          -H "Content-Type: application/json" \
          -d '{
            "source_currency": "USDT",
            "target_currency": "NGN",
            "source_amount": "100",
            "pay_out": {
              "type": "bank_transfer",
              "recipient_id": "677bbf9c7cf061f23784555a"
            }
          }'

View Response

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_mprvCPMCfm3K2qSnzbWj7",
    "source_currency": "USDT",
    "target_currency": "NGN",
    "source_amount": "100",
    "target_amount": "168876",
    "rate": {
      "product": "USDTNGN",
      "rate": "1690.76",
      "side": "sell",
      "type": "FIXED"
    },
    "fees": [
      {
        "amount": {
          "amount": "200",
          "currency": "NGN"
        },
        "name": "Fees",
        "type": "FIXED"
      }
    ],
    "pay_out": {
      "recipient_details": {
        "account_name": "SOSANYA DICKSON OLUMIDE",
        "account_number": "2109328188",
        "bank_name": "UNITED BANK FOR AFRICA",
        "country": "NG"
      },
      "recipient_id": "677bbf9c7cf061f23784555a",
      "type": "bank_transfer"
    },
    "expires_at": "2025-02-20T10:58:19.540052923Z"
  }
}

Create the Payout Transfer

Finalize the payout using the quote ID:

        curl -X POST https://api.sandbox.busha.so/v1/transfers \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
          -H "Content-Type: application/json" \
          -d '{
            "quote_id": "QUO_mprvCPMCfm3K2qSnzbWj7"
          }'

View Response

{
  "status": "success",
  "message": "Created transfer successfully",
  "data": {
    "id": "TRF_tYZ1y5bmXv4N5IhXSMbWJ",
    "source_currency": "USDT",
    "target_currency": "NGN",
    "source_amount": "100",
    "target_amount": "168876",
    "pay_out": {
      "recipient_details": {
        "account_name": "SOSANYA DICKSON OLUMIDE",
        "account_number": "2109328188",
        "bank_name": "UNITED BANK FOR AFRICA",
        "country": "NG"
      },
      "type": "bank_transfer"
    },
    "status": "pending"
  }
}

Monitor Payout Status

Check the transfer status to confirm delivery:

        curl -X GET https://api.sandbox.busha.so/v1/transfers/TRF_tYZ1y5bmXv4N5IhXSMbWJ \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN"

Possible Statuses:

pending - Payout initiated
processing - Funds being processed
funds_delivered - Successfully delivered to bank account
cancelled - Payout cancelled

M-Pesa Mobile Money Payout

Create an M-Pesa Recipient

First, create a recipient for the M-Pesa mobile money wallet:

        curl -X POST https://api.sandbox.busha.so/v1/recipients \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
          -H "X-BU-VERSION: 2025-07-11" \
          -H "Content-Type: application/json" \
          -d '{
            "type": "mpesa_mobile_money",
            "account_name": "Samuel Kiprotich",
            "phone_number": "254712345678"
          }'

Save the recipient_id from the response.

Create a Payout Quote

Create a quote specifying how much crypto to convert and send:

        curl -X POST https://api.sandbox.busha.so/v1/quotes \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
          -H "Content-Type: application/json" \
          -d '{
            "source_currency": "USDT",
            "target_currency": "KES",
            "source_amount": "10",
            "pay_out": {
              "type": "mobile_money",
              "recipient_id": "6923ca7f32faa00bb0932c78"
            }
          }'

View Response

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_F5I5r0Mhnrpa",
    "source_currency": "USDT",
    "target_currency": "KES",
    "source_amount": "10",
    "target_amount": "1236.3",
    "rate": {
      "product": "USDTKES",
      "rate": "129.63",
      "side": "sell",
      "type": "FIXED"
    },
    "fees": [
      {
        "amount": {
          "amount": "60",
          "currency": "KES"
        },
        "name": "Fees",
        "type": "TIERED"
      }
    ],
    "pay_out": {
      "recipient_details": {
        "account_name": "Samuel Kiprotich",
        "country_code": "KE",
        "currency": "KES",
        "phone_number": "254712345678"
      },
      "recipient_id": "6923ca7f32faa00bb0932c78",
      "type": "mobile_money"
    },
    "expires_at": "2025-11-24T03:32:06.233668598Z"
  }
}

Create the Payout Transfer

Finalize the payout using the quote ID:

        curl -X POST https://api.sandbox.busha.so/v1/transfers \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
          -H "Content-Type: application/json" \
          -d '{
            "quote_id": "QUO_F5I5r0Mhnrpa"
          }'

View Response

{
  "status": "success",
  "message": "Created transfer successfully",
  "data": {
    "id": "TRF_GbqoYfHekk9f",
    "source_currency": "USDT",
    "target_currency": "KES",
    "source_amount": "10",
    "target_amount": "1236.3",
    "pay_out": {
      "recipient_details": {
        "account_name": "Samuel Kiprotich",
        "country_code": "KE",
        "currency": "KES",
        "phone_number": "254712345678"
      },
      "type": "mobile_money"
    },
    "status": "pending"
  }
}

Monitor Payout Status

Check the transfer status to confirm delivery:

        curl -X GET https://api.sandbox.busha.so/v1/transfers/TRF_GbqoYfHekk9f \
          -H "Authorization: Bearer YOUR_SECRET_TOKEN"

Possible Statuses:

pending - Payout initiated
processing - Funds being processed
funds_delivered - Successfully delivered to M-Pesa wallet
cancelled - Payout cancelled

Payout for a Customer

To process payouts on behalf of a customer, include the customer’s profile ID:

curl -X POST https://api.sandbox.busha.so/v1/quotes \
  -H "X-BU-PROFILE-ID: CUSTOMER_PROFILE_ID" \
  -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "source_currency": "USDT",
    "target_currency": "NGN",
    "source_amount": "100",
    "pay_out": {
      "type": "bank_transfer",
      "recipient_id": "677bbf9c7cf061f23784555a"
    }
  }'

The payout will be processed from the customer’s balance.

Payout Methods by Country

Country	Currency	Method	Recipient Type
Nigeria	NGN	Bank transfer	`ngn_bank`
Kenya	KES	M-Pesa mobile money	`mpesa_mobile_money`

Important Notes

Recipients must be created before payouts
Quotes expire after 30 minutes
Fees are deducted from the payout amount
Use webhooks for real-time status updates
Bank transfers typically complete within minutes
Mobile money transfers are usually instant

Learn More

Process Payouts Guide - Detailed payout guide
Create Recipients - Recipient management
Understanding Quotes - How quotes work
Webhooks Setup - Monitor payouts in real-time
Initiate Transactions on Behalf of Customers - Customer transactions

Examples

​Use Cases

​Crypto to Fiat Payout

​Bank Transfer Payout

​M-Pesa Mobile Money Payout

​Payout for a Customer

​Payout Methods by Country

​Important Notes

​Learn More

Use Cases

Crypto to Fiat Payout

Bank Transfer Payout

M-Pesa Mobile Money Payout

Payout for a Customer

Payout Methods by Country

Important Notes

Learn More