API Playground Dashboard

B2Pochi Payments

Send money to M-Pesa customer business wallets (Pochi la Biashara). Uses B2C rates for fees. Funds are deducted from your payment wallet.

/v3/pochi/
POST /v3/pochi/ Auth Required Service: b2pochi_payments

Send B2Pochi Payment

Transfer money from your payment wallet to a customer's Pochi la Biashara (business wallet). The recipient must have an active Pochi la Biashara account.

Headers

Header Value
Authorization Bearer YOUR_API_KEY
Content-Type application/json

Request Body

Field Type Required Description
amount number Yes Amount in KES (min 10, max 70000 per transaction)
phone_number string Yes Recipient phone number linked to Pochi la Biashara (254XXXXXXXXX or 07XXXXXXXX)
external_reference string No Your unique reference (auto-generated if omitted)
command_id string No BusinessPayToPochi (default and only valid option)
remarks string No Transaction remarks (2-100 chars)
occassion string No Occasion/reason for payment (1-100 chars, API uses double "s")
occasion string No Alias for occassion (single "s")
callback_url string No URL to receive payment result callback

Example Response

JSON 
{
    "success": true,
    "status": "INITIATED",
    "message": "B2Pochi payment initiated successfully",
    "reference": "B2POCHI-abc123",
    "transaction_id": 795,
    "identifiers": {
        "originatorConversationID": "12345-67890-1",
        "conversationID": "AG_20241231_...",
        "responseCode": "0",
        "responseDescription": "Accept the service request successfully."
    },
    "payment_details": {
        "amount_sent": 1000,
        "withdrawal_fee": 15,
        "phone_number": "2547****5678",
        "command_id": "BusinessPayToPochi",
        "remarks": "B2Pochi Payment Transfer",
        "occassion": "Payment"
    },
    "wallet_balances": {
        "payment_wallet": 4000,
        "service_wallet": 835
    }
}

cURL Example

bash 
curl -X POST 'https://swiftwallet.co.ke/v3/pochi/' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": 1000,
    "phone_number": "254705912645",
    "external_reference": "POCHI-PAY-001",
    "remarks": "Supplier payment to Pochi",
    "callback_url": "https://yoursite.com/b2pochi-callback"
  }'

Callback Payload

After M-Pesa processes the B2Pochi transaction, SwiftWallet sends a POST request to your callback_url with the result. Internal M-Pesa account balance snapshots are intentionally excluded.

POST to your callback_url 
{
    "success": true,
    "transaction_id": 795,
    "external_reference": "POCHI-PAY-001",
    "originatorConversationID": "12345-67890-1",
    "conversationID": "AG_20241231_...",
    "transactionID": "SG632NMUAB",
    "status": "completed",
    "timestamp": "2024-12-31T12:30:00+03:00",
    "service_fee": 15,
    "withdrawal_fee": 15,
    "result": {
        "ResultCode": 0,
        "ResultDesc": "The service request is processed successfully.",
        "TransactionAmount": 1000,
        "TransactionReceipt": "SG632NMUAB",
        "RecipientIsRegistered": "Y",
        "TransactionCompletedDateTime": "31.12.2024 12:30:00",
        "ReceiverPublicName": "254705912645 - JOHN DOE"
    },
    "transaction_info": {
        "phone_number": "254705912645",
        "amount": 1000,
        "currency": "KES",
        "transaction_type": "B2Pochi"
    }
}

Verify callbacks by checking the transaction_id and originatorConversationID against your records.

Notes

  • Funds are immediately deducted from your payment wallet upon initiation
  • If the B2Pochi request fails at M-Pesa, funds are automatically reversed to your wallet
  • Withdrawal fees are charged from your service wallet using B2C rates
  • The recipient must have an active Pochi la Biashara (customer business wallet)
  • Maximum single transaction is KES 70,000 (daily limit may also apply)
  • Requires the b2pochi_payments service to be enabled on your API key