KwiikPay
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Payments API
for Global Businesses and Developers

One REST API for vIBANs, FX, stablecoins, and 30+ corridors. Idempotency keys, signed webhooks, sandbox parity. Production-ready in under an hour.

⚡ 47ms p99 latency·99.997% uptime·Sandbox free
import KwiikPay from '@kwiikpay/sdk';

const kp = new KwiikPay(process.env.KWIIKPAY_KEY);

// Create a payout — any currency, any rail
const payout = await kp.payouts.create({
  amount:    50000,        // £500.00
  currency:  'GBP',
  recipient: 'rec_8f2a01...',
  rail:      'auto',       // we pick the cheapest
  reference: 'INV-2026-04-12',
});

console.log(payout.status);  // 'settling'
What you get

Everything You Need in a Modern Payment Processing API

REST

Plain HTTP

Verb-based REST, predictable URLs, JSON in / JSON out. If you can curl, you can integrate.

Webhooks

Signed webhook events

Every state change emits a webhook signed with HMAC-SHA256. Retries with exponential backoff.

SDKs

Five official SDKs

Node, Python, Ruby, Go, PHP. Auto-generated from the OpenAPI spec, fully typed.

Sandbox

Free sandbox forever

Test cards, fake corridors, simulated rejections. Parity with production behaviour and latency.

Idempotency

Idempotency on every mutation

Pass an Idempotency-Key header. Retry safely; we return the original response.

OpenAPI

OpenAPI 3.1 spec

Versioned, machine-readable. Generate clients for any language we don't officially support.
API surface

Build Global Payment Integrations with One REST API

POST/v1/payoutsSend funds to a recipient on any rail
POST/v1/vibansIssue a multi-currency virtual IBAN
POST/v1/conversionsConvert between fiat or stablecoin
POST/v1/quotesGet a 30-second locked FX quote
POST/v1/recipientsCreate or update a payment recipient
POST/v1/otc/rfqRequest a quote from the OTC desk
GET/v1/balancesRead all wallet balances
GET/v1/corridorsList active corridors and live rates
GET/v1/eventsReplayable event stream
Resources

Developer Tools Built for Fast Payment Gateway Integrations

API reference

Every endpoint, every parameter, every error — with request and response examples.

Open reference →

Getting started

Introduction, authentication and your first request — start here.

Read the intro →

OpenAPI spec

The full machine-readable spec — generate a client in your stack of choice.

View openapi.json →

Sandbox API keys

Instant sandbox keys, full API parity. Request production access when you are ready.

Get keys →

Talk to an engineer

Integration questions answered by the people who built the API — within one business day.

Contact us →

Security

How funds and data are protected: safeguarding, screening and encryption in depth.

See security →

Open your first IBAN today.

Open a multi-currency account, subject to KYB, screening and our risk appetite.

Talk to sales