KwiikPay
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Developers

Move money in
200 lines.

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

Built like the APIs you wish all banks had.

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

Nine endpoints. Everything we do.

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

Built like the developer tools you actually like using.

API reference

Every endpoint, every parameter, every error. Live request/response examples.

Open reference →

Quickstart guides

Hello-world to production in under an hour. 12 step-by-step tutorials.

See guides →

OpenAPI spec

Versioned spec. Pin to a version; we never break it.

View spec →

Status page

Per-corridor uptime, latency, and incident history.

status.kwiikpay.com →

Changelog

Every API and SDK change, dated. Subscribe via RSS.

Read changelog →

Discord

Talk to engineers. Office hours every Thursday.

Join us →

Open your first IBAN today.

Tier 2 onboarding takes one business day. No setup fees, no minimum balance, no surprises in the small print.