Bill Payments

With PayChangu APIs, you can seamlessly pay for bills like Airtime, Cable TV, Subscriptions, Utilities, and more all directly from your PayChangu Wallet.

Requirements

Complete your profile and KYC.
Fund your main balance, which is the balance to be debited for bill payment.

Bill Payment Options

PayChangu enables payments for a variety of bills, including Airtime, Data Bundles, Cable TV, Internet Subscriptions (e.g., DStv), Utility Bills, and MRA Payments.

For a complete list of supported bill categories, query the Get all available billers endpoint.

Validate bill

Use this endpoint to validate or check the bill balance.

Request Parameters

biller → The identifier returned from the get Billers endpoint.
account → The account number associated with the biller.
account_type → Applicable only for MASM. Can be either MEMBER or GROUP. Not required for other billers.

curl --request POST \
     --url https://api.paychangu.com/bills/validate \
     --header 'Authorization: Bearer {secret_key}' \
     --header 'content-type: application/json' \
     --data '
{
  "biller": "masm",
  "account": "35345636",
  "account_type": "MEMBER"
}
'

curl --request POST \
     --url https://api.paychangu.com/bills/validate \
     --header 'Authorization: Bearer SEC-q5082hQg1WTLf6sDiELruxZSHzyhC50g' \
     --header 'content-type: application/json' \
     --data '
{
  "biller": "LLWB",
  "account": "35345636",
}
'

Making bill Payments

Request Parameters

biller → The identifier returned from the get Billers endpoint.
account → The account number associated with the biller.
account_type → Applicable only for MASM. Can be either MEMBER or GROUP. Not required for other billers.
customer_name → Used for audit purposes. Optional field.
amount → Required only for billers that generate tokens (e.g., escom, masm). Not needed for non-token like Dstv.

curl --request POST \
     --url https://api.paychangu.com/bills/pay \
     --header 'Authorization: Bearer {secret_key}' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "biller": "masm",
  "account": "3526278",
  "amount": "50000",
  "customer_name": "John Phiri",
  "account_type": "MEMBER",
  "reference": "FY826245"
}
'

curl --request POST \
     --url https://api.paychangu.com/bills/pay \
     --header 'Authorization: Bearer SEC-q5082hQg1WTLf6sDiELruxZSHzyhC50g' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "biller": "escom",
  "account": "917535617",
  "amount": "10000",
  "customer_name": "John Phiri",
  "reference": "FY826245"
}
'

Making Airtime recharge

Use this endpoint to recharge airtime.

Request Parameters

phone → Phone number to recharge Airtel or TNM number.
amount → Amount to recharge.

curl --request POST \
     --url https://api.paychangu.com/bills/buy-airtime \
     --header 'Authorization: Bearer {secret_key}' \
     --header 'content-type: application/json' \
     --data '
{
  "phone": "098000099",
  "amount": "1000",
  "reference": "PC62537"
}
'