REST API · v1.0.0

Build on
ThirdMoney.

Integrate African payment infrastructure into your product. RESTful API, instant webhooks, multi-currency support, and a sandbox to build freely — all from a single key.

REST API JSON Responses Webhook Events Sandbox Included Bearer Auth Multi-Currency

terminal

live

# Check API health

curl https://thirdmoney.digital/api/health

# Response

{ "status": "ok", "version": "1.0.0", "time": "2ms" }

Start Here

Getting Started

Three steps from zero to live API calls. Takes about 10 minutes.

Step 1

Create Your Account

Register at thirdmoney.digital/register. After creating your account, navigate to your Dashboard and open the Merchant tab.

Dashboard → Merchant

Step 2

Register Your Business

Fill in your business name, category, and website URL. Applications are reviewed by our team within 24 hours. You'll receive an email notification once approved.

Business Name Category Website URL

Step 3

Get Your API Keys

Once approved, your API key and secret are instantly available in the Merchant section of your dashboard. You'll get both a live key and a sandbox key for testing.

tm_live_•••••••••••• tm_test_••••••••••••

Security

Authentication

ThirdMoney uses Bearer tokens in the Authorization header. There are two token types depending on the endpoint.

auth-example.sh

Bearer Token

# Authenticated request using JWT

curl -X GET https://thirdmoney.digital/api/me \

-H "Authorization: Bearer YOUR_JWT_TOKEN"

Two token types

Merchant endpoints use your API key (from your dashboard) as the Bearer token in an X-TM-Key header. User endpoints use the JWT returned by POST /api/auth/login. Tokens expire after 24 hours — use /api/auth/refresh to rotate.

Reference

API Endpoints

Base URL: https://thirdmoney.digital · All requests and responses use application/json.

Auth

No authentication required. Used for account creation and login.

Public

POST


                /api/auth/register

Create a new user account

POST


                /api/auth/login

Authenticate and receive a JWT token

POST


                /api/auth/refresh

Refresh an expired JWT token

Wallet & Transfers

Send, receive, deposit, and withdraw funds from your wallet.

JWT required

GET


                /api/me

Your profile, KYC status, and wallet summary

GET


                /api/wallets

All wallet balances by currency

POST


                /api/send/preview

Preview transfer fee before sending

POST


                /api/send

Execute a transfer (requires transaction PIN)

POST


                /api/deposit/initiate

Start a mobile money or bank deposit

POST


                /api/withdraw

Request a withdrawal to mobile wallet or bank

GET


                /api/transactions

Paginated transaction history

Savings Groups

Create and manage group savings circles.

JWT required

GET


                /api/groups

List all groups you belong to

POST


                /api/groups

Create a new savings group

POST


                /api/groups/:id/contribute

Contribute funds to a group

Fundraising Campaigns

Create and fund public or private campaigns.

JWT required

GET


                /api/campaigns/browse

Browse public campaigns (no auth needed)

POST


                /api/campaigns

Create a new fundraising campaign

POST


                /api/campaigns/:id/contribute

Fund a campaign

Merchant

Manage your merchant profile, payments, and API keys.

JWT required

GET


                /api/merchant

Fetch your merchant profile and status

POST


                /api/merchant/register

GET


                /api/merchant/payments

Paginated merchant payment history

POST


                /api/merchant/rotate-key

Rotate and regenerate API keys

Health

Service status and version info.

Public

GET


                /health

API status, version, and response latency

Examples

Request & Response

A complete example using the Send Money endpoint — one of the most common API interactions.

POST /api/send

Request

Authorization: Bearer <token>

{

"recipient": "john_doe",

"amount": 50000,

"currency": "UGX",

"note": "Rent payment",

"pin": "1234"

}

200 application/json

Response

{

"success": true,

"message": "Transfer successful",

"data": {

"reference": "TM-9X2K4F",

"amount": 50000,

"currency": "UGX",

"fee": 500,

"recipient_gets": 49500

}

Merchant

Accepting Merchant Payments

Use your API key to initiate payment requests from your backend. Set a callback_url and we'll notify you instantly when the payment completes.

<?php

$response = file_get_contents('https://thirdmoney.digital/api/pay', false,

stream_context_create(['http' => [

'method' => 'POST',

'header' => "Content-Type: application/json\r\n" .

"X-TM-Key: tm_live_your_key_here\r\n",

'content' => json_encode([

'amount' => 50000,

'currency' => 'UGX',

'description' => 'Order #1042',

'callback_url' => 'https://yourshop.com/payment/callback',

])

]]);

$result = json_decode($response, true);

Real-time

Webhooks

Register a callback_url on your payment requests. ThirdMoney will send a POST request to that URL whenever the payment status changes. Webhooks are signed with your merchant secret — always verify before processing.

Payment Events


                payment.completed

A payment was successfully processed and funds settled.


                payment.failed

A payment attempt failed. Check the error field in the payload.


                payment.pending

Payment initiated, awaiting confirmation from the provider.


                payment.refunded

A payment was refunded back to the sender.

webhook-payload.json

POST to your callback_url

{

"event": "payment.completed",

"data": {

"reference": "TM-9X2K4F",

"amount": 50000,

"currency": "UGX",

"merchant_id": "your-merchant-id",

"timestamp": 1748390400

}

Africa & Beyond

Supported Currencies

Multi-currency wallets across Africa and international transfers. More currencies coming soon.

🇺🇬

UGX

Ugandan Shilling

Uganda

🇰🇪

KES

Kenyan Shilling

Kenya

🇹🇿

TZS

Tanzanian Shilling

Tanzania

🇷🇼

RWF

Rwandan Franc

Rwanda

🇳🇬

NGN

Nigerian Naira

Nigeria

🇿🇦

ZAR

South African Rand

South Africa

🌍

USD

US Dollar

International

Errors

Error Handling

ThirdMoney uses standard HTTP status codes. Errors return a JSON body with a message and sometimes an errors object for validation failures.

Code Meaning Action

200 Success Request completed successfully.

201 Created Resource was created successfully.

400 Bad Request Malformed request. Check the request body.

401 Unauthorized Missing or invalid token. Check or refresh your JWT.

403 Forbidden Insufficient permissions, or KYC/verification required.

404 Not Found The requested resource does not exist.

422 Validation Error One or more fields failed validation. See errors object.

429 Rate Limited Too many requests. Implement exponential backoff.

500 Server Error Unexpected error. Retry or contact api@thirdmoney.digital.

422 Validation Error Example

{

"success": false,

"message": "Validation failed",

"errors": {

"amount": "Amount must be greater than 0",

"currency": "Currency is required"

}

Libraries

SDKs & Libraries

Official and community client libraries. Can't find yours? The REST API works with any HTTP client.

PHP

Full support · v1.0

Official


              composer require thirdmoney/sdk

JavaScript

Node.js + Browser · v1.0

Official


              npm install @thirdmoney/js

Python

Python 3.8+ · community

Community


              pip install thirdmoney

Go 1.18+ · community

Community


              go get github.com/thirdmoney/go-sdk

All SDKs on GitHub

Open source. PRs welcome. Found a bug? Open an issue.

View

Build on ThirdMoney.

Getting Started

Create Your Account

Register Your Business

Get Your API Keys

Authentication

API Endpoints

Auth

Wallet & Transfers

Savings Groups

Fundraising Campaigns

Merchant

Health

Request & Response

Accepting Merchant Payments

Webhooks

Payment Events

Supported Currencies

Error Handling

SDKs & Libraries

Build on
ThirdMoney.