<?php
$url = 'https://sandbox.r-cash.io/api/v1/auth/token/?grant_type=client_credentials';
$requestBody = array(
  'client_id' => 'CLIENT_ID',
  'client_secret' => 'CLIENT_SECRET',
);
$headers = array(
  'Authorization: Basic ' . base64_encode($requestBody['client_id'] . ':' . $requestBody['client_secret']),
);

$curl = curl_init();
curl_setopt_array($curl, array(
  CURLOPT_URL => $url,
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'GET',
  CURLOPT_HTTPHEADER => $headers
));
$response = curl_exec($curl);
curl_close($curl);
echo $response;
?>

import requests
from requests.auth import HTTPBasicAuth

url = "https://sandbox.r-cash.io/api/v1/auth/token/?grant_type=client_credentials"
client_id = "CLIENT_ID"
client_secret = "CLIENT_SECRET"

response = requests.get(url, auth=HTTPBasicAuth(client_id, client_secret))
print(response.json())

import java.net.HttpURLConnection;
import java.net.URL;
import java.util.Base64;

public class R-CashToken {
  public static void main(String[] args) throws Exception {
    String clientId = "CLIENT_ID";
    String clientSecret = "CLIENT_SECRET";
    String auth = clientId + ":" + clientSecret;
    String encodedAuth = Base64.getEncoder().encodeToString(auth.getBytes());

    URL url = new URL("https://sandbox.r-cash.io/api/v1/auth/token/?grant_type=client_credentials");
    HttpURLConnection conn = (HttpURLConnection) url.openConnection();
    conn.setRequestMethod("GET");
    conn.setRequestProperty("Authorization", "Basic " + encodedAuth);

    // Read response...
  }
}

<?php
$merchantCode = '50**1';
$bearerToken = '<YOUR-ACCESS-TOKEN>';
$url = "https://sandbox.r-cash.io/api/v1/accounts/balance/?MerchantCode=" . $merchantCode;

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    "Authorization: Bearer $bearerToken",
    "Content-Type: application/json"
]);

$response = curl_exec($ch);

if($response === false) {
    echo "cURL Error: " . curl_error($ch);
} else {
    echo $response;
}

curl_close($ch);
?>

import requests

merchant_code = "50**1"
access_token = "<YOUR-ACCESS-TOKEN>"
url = f"https://sandbox.r-cash.io/api/v1/accounts/balance/?MerchantCode={merchant_code}"

headers = {
    "Authorization": f"Bearer {access_token}",
    "Content-Type": "application/json"
}

response = requests.get(url, headers=headers)
print(response.json())

import java.net.HttpURLConnection;
import java.net.URL;

public class AccountBalance {
  public static void main(String[] args) throws Exception {
    String merchantCode = "50**1";
    String token = "<YOUR-ACCESS-TOKEN>";
    URL url = new URL("https://sandbox.r-cash.io/api/v1/accounts/balance/?MerchantCode=" + merchantCode);

    HttpURLConnection conn = (HttpURLConnection) url.openConnection();
    conn.setRequestMethod("GET");
    conn.setRequestProperty("Authorization", "Bearer " + token);
    conn.setRequestProperty("Content-Type", "application/json");

    // Read and handle response...
  }
}

{
  "status": false,
  "detail": "Invalid or expired token",
  "message": "Unauthorized access",
  "ResponseCode": "401"
}

<?php
$merchantCode = '5125';
$startDate = '2024-03-01';
$endDate = '2024-03-25';
$perPage = 15;
$accessToken = '<YOUR-ACCESS-TOKEN>';

$url = "https://api.r-cash.io/api/v1/accounts/transactions?MerchantCode=$merchantCode&StartDate=$startDate&EndDate=$endDate&per_page=$perPage";

$ch = curl_init();
curl_setopt_array($ch, [
    CURLOPT_URL => $url,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        "Authorization: Bearer $accessToken",
        "Content-Type: application/json"
    ]
]);

$response = curl_exec($ch);
curl_close($ch);

echo $response;
?>

import requests

url = "https://api.r-cash.io/api/sandbox/v1/accounts/transactions"
params = {
    "MerchantCode": "5125",
    "StartDate": "2024-03-01",
    "EndDate": "2024-03-25",
    "per_page": 15
}
headers = {
    "Authorization": "Bearer <YOUR-ACCESS-TOKEN>",
    "Content-Type": "application/json"
}

response = requests.get(url, headers=headers, params=params)
print(response.json())

import java.net.HttpURLConnection;
import java.net.URL;

public class TransactionStatement {
  public static void main(String[] args) throws Exception {
    String merchantCode = "5125";
    String startDate = "2024-03-01";
    String endDate = "2024-03-25";
    int perPage = 15;
    String token = "<YOUR-ACCESS-TOKEN>";

    String urlStr = String.format(
      "https://api.r-cash.io/sandbox/api/v1/accounts/transactions?MerchantCode=%s&StartDate=%s&EndDate=%s&per_page=%d",
      merchantCode, startDate, endDate, perPage
    );

    URL url = new URL(urlStr);
    HttpURLConnection conn = (HttpURLConnection) url.openConnection();
    conn.setRequestMethod("GET");
    conn.setRequestProperty("Authorization", "Bearer " + token);
    conn.setRequestProperty("Content-Type", "application/json");

    // Handle response...
  }
}

{
  "status": "false",
  "message": "Invalid or expired access token.",
  "detail": "Invalid or expired access token.",
  "ResponseCode": 401
}

<?php
$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => '{{BASE_URL}}/api/prod/v1/countries',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'GET',
  CURLOPT_HTTPHEADER => array(
    'Authorization: Bearer <YOUR-ACCESS-TOKEN>'
  ),
));

$response = curl_exec($curl);
curl_close($curl);
echo $response;
?>

import requests

url = "{{BASE_URL}}/api/prod/v1/countries"
headers = {
    "Authorization": "Bearer <YOUR-ACCESS-TOKEN>"
}

response = requests.get(url, headers=headers)
print(response.json())

import java.io.*;
import java.net.*;

public class GetCountries {
    public static void main(String[] args) throws Exception {
        String urlStr = "{{BASE_URL}}/api/prod/v1/countries";
        URL url = new URL(urlStr);
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("GET");
        conn.setRequestProperty("Authorization", "Bearer <YOUR-ACCESS-TOKEN>");

        try (BufferedReader br = new BufferedReader(
                new InputStreamReader(conn.getInputStream(), "utf-8"))) {
            StringBuilder response = new StringBuilder();
            String line;
            while ((line = br.readLine()) != null) {
                response.append(line.trim());
            }
            System.out.println(response.toString());
        }
    }
}

<?php
$curl = curl_init();

$url = '{{BASE_URL}}/api/prod/v1/payment-gateways?country_code=ET&destination_type=BANK';

curl_setopt_array($curl, array(
  CURLOPT_URL => $url,
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'GET',
  CURLOPT_HTTPHEADER => array(
    'Authorization: Bearer <YOUR-ACCESS-TOKEN>'
  ),
));

$response = curl_exec($curl);
curl_close($curl);

echo $response;
?>

import requests

url = "{{BASE_URL}}/api/prod/v1/payment-gateways"
params = {
    "country_code": "ET",
    "destination_type": "BANK",
}
headers = {
    "Authorization": "Bearer <YOUR-ACCESS-TOKEN>"
}

response = requests.get(url, params=params, headers=headers)
print(response.json())

import java.io.*;
import java.net.*;

public class GetPaymentGateways {
    public static void main(String[] args) throws Exception {
        String urlStr = "{{BASE_URL}}/api/prod/v1/payment-gateways?country_code=ET&destination_type=BANK";
        URL url = new URL(urlStr);
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("GET");
        conn.setRequestProperty("Authorization", "Bearer <YOUR-ACCESS-TOKEN>");

        try (BufferedReader br = new BufferedReader(
                new InputStreamReader(conn.getInputStream(), "utf-8"))) {
            StringBuilder response = new StringBuilder();
            String line;
            while ((line = br.readLine()) != null) {
                response.append(line.trim());
            }
            System.out.println(response.toString());
        }
    }
}

<?php
$payload = [
  "CountryCode"      => "254",
  "InstitutionCode"  => "MPESA",
  "Account"          => "254714511655",
];

$curl = curl_init();
curl_setopt_array($curl, [
  CURLOPT_URL            => '{{BASE_URL}}/api/prod/v1/accounts/lookup',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING       => '',
  CURLOPT_MAXREDIRS      => 10,
  CURLOPT_TIMEOUT        => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION   => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST  => 'POST',
  CURLOPT_POSTFIELDS     => json_encode($payload),
  CURLOPT_HTTPHEADER     => [
    'Content-Type: application/json',
    'Authorization: Bearer <YOUR-ACCESS-TOKEN>',
  ],
]);

$response = curl_exec($curl);
curl_close($curl);
echo $response;
?>

import requests

url = "{{BASE_URL}}/api/prod/v1/accounts/lookup"
payload = {
    "CountryCode": "254",
    "InstitutionCode": "MPESA",
    "Account": "254714511655"
}
headers = {
    "Content-Type": "application/json",
    "Authorization": "Bearer <YOUR-ACCESS-TOKEN>"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())

import java.io.*;
import java.net.*;

public class AccountLookup {
    public static void main(String[] args) throws Exception {
        String urlStr = "{{BASE_URL}}/api/prod/v1/accounts/lookup";
        URL url = new URL(urlStr);
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setDoOutput(true);
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setRequestProperty("Authorization", "Bearer <YOUR-ACCESS-TOKEN>");

        String json = "{"
            + "\"CountryCode\":\"254\","
            + "\"InstitutionCode\":\"MPESA\","
            + "\"Account\":\"254714511655\""
            + "}";

        try (OutputStream os = conn.getOutputStream()) {
            byte[] input = json.getBytes("utf-8");
            os.write(input, 0, input.length);
        }

        try (BufferedReader br = new BufferedReader(
                new InputStreamReader(conn.getInputStream(), "utf-8"))) {
            StringBuilder response = new StringBuilder();
            String line;
            while ((line = br.readLine()) != null) {
                response.append(line.trim());
            }
            System.out.println(response.toString());
        }
    }
}

<?php
$payload = [
  "MerchantCode"                  => "5031",
  "Amount"                        => 100,
  "Currency"                      => "ETB",
  "DestinationCountryCode"        => "ET",
  "PaymentGateway"                => "ethiopian-banks",
  "InstitutionCode"               => "231406",
  "ReceiverAccount"               => "107407723",
  "ReceiverName"                  => "Ambashe dek",
  "Reason"                        => "Payment",
  "InitiatorTransactionReference" => "uniqueinitiatorcode2",
  "CallBackUrl"                   => "https://webhook.site/your-callback-url",
  "SenderName"                    => "John Doe",
  "SenderCountryCode"             => "US",
  "SenderPhone"                   => "0714511655",
  "SenderAddressLine1"            => "address one",
  "SenderAddressLine2"            => "address two",
  "SenderCity"                    => "Nairobi",
  "SenderDocumentType"            => "PASSPORT",
  "SenderDocumentNumber"          => "1234567",
];

$curl = curl_init();
curl_setopt_array($curl, [
  CURLOPT_URL            => '{{BASE_URL}}/api/prod/v1/send-money',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING       => '',
  CURLOPT_MAXREDIRS      => 10,
  CURLOPT_TIMEOUT        => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION   => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST  => 'POST',
  CURLOPT_POSTFIELDS     => json_encode($payload),
  CURLOPT_HTTPHEADER     => [
    'Content-Type: application/json',
    'Authorization: Bearer <YOUR-ACCESS-TOKEN>',
  ],
]);

$response = curl_exec($curl);
curl_close($curl);
echo $response;
?>

import requests

url = "{{BASE_URL}}/api/prod/v1/send-money"
payload = {
    "MerchantCode": "5031",
    "Amount": 100,
    "Currency": "ETB",
    "DestinationCountryCode": "ET",
    "PaymentGateway": "ethiopian-banks",
    "InstitutionCode": "231406",
    "ReceiverAccount": "107407723",
    "ReceiverName": "Ambashe dek",
    "Reason": "Payment",
    "InitiatorTransactionReference": "uniqueinitiatorcode2",
    "CallBackUrl": "https://webhook.site/your-callback-url",
    "SenderName": "John Doe",
    "SenderCountryCode": "US",
    "SenderPhone": "0714511655",
    "SenderAddressLine1": "address one",
    "SenderAddressLine2": "address two",
    "SenderCity": "Nairobi",
    "SenderDocumentType": "PASSPORT",
    "SenderDocumentNumber": "1234567",
}
headers = {
    "Content-Type": "application/json",
    "Authorization": "Bearer <YOUR-ACCESS-TOKEN>",
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())

import java.io.*;
import java.net.*;

public class SendMoney {
    public static void main(String[] args) throws Exception {
        String urlStr = "{{BASE_URL}}/api/prod/v1/send-money";
        URL url = new URL(urlStr);
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setDoOutput(true);
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setRequestProperty("Authorization", "Bearer <YOUR-ACCESS-TOKEN>");

        String json = "{"
            + "\"MerchantCode\":\"5031\","
            + "\"Amount\":100,"
            + "\"Currency\":\"ETB\","
            + "\"DestinationCountryCode\":\"ET\","
            + "\"PaymentGateway\":\"ethiopian-banks\","
            + "\"InstitutionCode\":\"231406\","
            + "\"ReceiverAccount\":\"107407723\","
            + "\"ReceiverName\":\"Ambashe dek\","
            + "\"Reason\":\"Payment\","
            + "\"InitiatorTransactionReference\":\"uniqueinitiatorcode2\","
            + "\"CallBackUrl\":\"https://webhook.site/your-callback-url\","
            + "\"SenderName\":\"John Doe\","
            + "\"SenderCountryCode\":\"US\","
            + "\"SenderPhone\":\"0714511655\","
            + "\"SenderAddressLine1\":\"address one\","
            + "\"SenderAddressLine2\":\"address two\","
            + "\"SenderCity\":\"Nairobi\","
            + "\"SenderDocumentType\":\"PASSPORT\","
            + "\"SenderDocumentNumber\":\"1234567\""
            + "}";

        try (OutputStream os = conn.getOutputStream()) {
            byte[] input = json.getBytes("utf-8");
            os.write(input, 0, input.length);
        }

        try (BufferedReader br = new BufferedReader(
                new InputStreamReader(conn.getInputStream(), "utf-8"))) {
            StringBuilder response = new StringBuilder();
            String line;
            while ((line = br.readLine()) != null) {
                response.append(line.trim());
            }
            System.out.println(response.toString());
        }
    }
}

{
  "status": false,
  "ResponseCode": "401",
  "Code": "DUPLICATE_REFERENCE",
  "CodeDescription": "InitiatorTransactionReference has already been used",
  "details": "Duplicate InitiatorTransactionReference detected. Use a unique reference per transaction."
}

{
  "status": false,
  "ResponseCode": "402",
  "Code": "FAILED",
  "CodeDescription": "Transaction failed at destination",
  "TransactionStatus": "FAILED",
  "FailureReason": "Destination institution rejected the transaction",
  "TrackingID": "5031-f11d90d3-2acd-4ed2-88a8-149583e9b979",
  "InitiatorTransactionReference": "uniqueinitiatorcode24",
  "DestinationCountryCode": "ET",
  "PaymentGateway": "ethiopian-banks",
  "InstitutionCode": "231406",
  "InstitutionName": "Abbysinia Bank",
  "ReceiverAccount": "107407723",
  "ReceiverName": "Ambashe dek",
  "Amount": 50,
  "Currency": "ETB",
  "processed_at": "2025-11-29T12:40:21Z",
  "Sender": {
    "name": "John Doe",
    "country_code": "US",
    "phone": "0714511655",
    "address_line1": "address one",
    "address_line2": "address two",
    "city": "Nairobi",
    "document_type": "PASSPORT",
    "document_number": "1234567",
    "date_of_birth": null
  }
}

<?php
$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => 'https://api.r-cash.io/api/sandbox/v1/collection/initiate',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_POST => true,
  CURLOPT_POSTFIELDS => [
    'MerchantCode' => '5125',
    'Amount' => '10',
    'Currency' => 'KES',
    'PhoneNumber' => '0759231969',
    'Channel' => '63902',
    'CallBackUrl' => 'https://webhook.site/your-callback-url',
    'Reason' => '33',
    'InitiatorTransactionReference' => '4334315w2',
  ],
  CURLOPT_HTTPHEADER => [
    'Authorization: Bearer <YOUR-ACCESS-TOKEN>',
  ],
]);

$response = curl_exec($curl);
curl_close($curl);
echo $response;
?>

import requests

url = "https://api.r-cash.io/api/sandbox/v1/collection/initiate"
data = {
  "MerchantCode": "5125",
  "Amount": "10",
  "Currency": "KES",
  "PhoneNumber": "0759231969",
  "Channel": "63902",
  "CallBackUrl": "https://webhook.site/your-callback-url",
  "Reason": "33",
  "InitiatorTransactionReference": "4334315w2"
}

headers = {
  "Authorization": "Bearer <YOUR-ACCESS-TOKEN>"
}

response = requests.post(url, headers=headers, data=data)
print(response.json())

// Java HttpClient or HttpURLConnection setup goes here
// Sample: send POST request with fields above
// Include Authorization header: Bearer <YOUR-ACCESS-TOKEN>

{
  "status": false,
  "message": "Transaction failed. Insufficient balance.",
  "details": "Please check your balance and try again.",
  "ResponseCode": "400"
}