Coinwaka Developers

One API for payments, wallets, and crypto settlement

Accept cards, PayPal, mobile money, and crypto through a single integration. Settle into Coinwaka balances, USDT, or USDC. Start in sandbox, go live after verification.

Start in sandbox Read the docs

Sandbox keys
Signed webhooks
Scoped access
Hosted checkout
Payment links

SANDBOXNo real money moves with test keys

curl https://api.coinwaka.com/v1/payment-intents \
  -H "Authorization: Bearer cwk_test_sk_..." \
  -H "Idempotency-Key: order-1001" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "1500",
    "currency": "KES",
    "settlement_currency": "USDT",
    "payment_methods": ["coinwaka_balance", "card", "mpesa"]
  }'

{
  "id": "pi_...",
  "status": "awaiting_payment",
  "checkout_url": "https://www.coinwaka.com/pay/pi_...",
  "request_id": "req_test_...",
  "environment": "test",
  "livemode": false
}

Pick an integration path

Most teams start with Coinwaka Pay. Wallet, market data, and trading endpoints are there when you need them.

Accept payments

Payment intents, hosted checkout, and payment links. Take cards, PayPal, mobile money, and crypto through one integration.

Pay API reference

Settle in stablecoins

Receive USDT or USDC into your Coinwaka balance. Read balances and settlements, then reconcile against your own ledger.

Read the guides

Listen to webhooks

Signed, retried events: payment_intent.paid, payment_intent.refunded, payment_intent.failed. Verify the HMAC signature and update orders in real time.

Webhook guide

Build advanced flows

Market data, trading endpoints, and wallet operations for treasury and execution. Scoped keys keep each integration least-privilege.

Platform APIs

How a payment works

Five steps from intent to settled. Webhooks confirm the truth, not the browser redirect.

1
Create a payment intent with the amount, currency, and settlement asset.
2
Redirect the customer to the hosted checkout URL.
3
They pay by card, PayPal, mobile money, or crypto.
4
Coinwaka confirms the payment and settles into your wallet.
5
Your server receives a signed webhook and marks the order paid.

Sandbox first

Test without moving real funds. Sandbox keys (cwk_test_) simulate successful payments, cancellations, timeouts, refunds, webhook retries, and checkout expiry before you request live access.

Open the sandbox Sandbox vs live

Local and global rails

One integration covers the way your customers actually pay, wherever they are.

Cards
PayPal
M-Pesa
USDT
USDC
On-chain crypto
Coinwaka balances

Security built in

Money-moving keys are least-privilege by default. Live access is earned, not instant.

Scoped API keys (publishable, restricted, secret)
IP allowlists per key
HMAC-signed webhooks
Idempotency keys on every create
Request logs and audit trails
2FA-protected key creation
Live mode gated on KYB approval
Rate limits with response headers

SDKs and tooling

Official libraries that match the webhook signature scheme byte for byte, plus a command-line tool for local webhook forwarding.

Node.js
PHP
Python
Go
Java
Laravel
WooCommerce
CLI

Browse SDKs and examples

Build your first payment today

Sandbox keys are instant. You only request live access once a test payment and webhook are working.

Start in sandbox Read the quickstart