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Create Your First Payment Intent

Executing a payment intent in Lipafy involves three simple steps: resolving a destination, submitting the intent with an idempotency key, and receiving real-time reconciliation.

Method A: Using TypeScript / Node.js SDK

Install the official Lipafy SDK:

$npm install @lipafy/sdk
1import { Lipafy } from '@lipafy/sdk'
2
3const lipafy = new Lipafy({
4  apiKey: process.env.LIPAFY_API_KEY!,
5})
6
7async function main() {
8  // 1. Create a Payment Intent (e.g. Safaricom Home Fibre Renewal)
9  const intent = await lipafy.payments.create({
10    paymentType: 'PAYBILL_PAYMENT',
11    paybill: '150501',
12    accountReference: '0722123456',
13    amountMinor: '300000', // KES 3,000.00
14    currency: 'KES',
15    purpose: 'Monthly Home Fibre Renewal',
16  })
17
18  console.log(`Payment Status: ${intent.status}`)
19  console.log(`Tracking ID: ${intent.id}`)
20}
21
22main().catch(console.error)

Method B: Using cURL

$curl -X POST https://api.lipafy.xyz/v1/payment-intents \
>  -H "Authorization: Bearer lip_live_your_api_key" \
>  -H "Idempotency-Key: fibre-renewal-2026-08" \
>  -H "Content-Type: application/json" \
>  -d '{
>    "payment_type": "PAYBILL_PAYMENT",
>    "paybill": "150501",
>    "account_reference": "0722123456",
>    "amount_minor": "300000",
>    "currency": "KES",
>    "purpose": "Monthly Home Fibre Renewal"
>  }'

Response (201 Created):

1{
2  "id": "pi_9f83a2bc-d14e-4b92-8051-18239014819a",
3  "status": "SUCCEEDED",
4  "amount_minor": "300000",
5  "fee_minor": "0",
6  "currency": "KES",
7  "network_receipt": "QHK892N1P",
8  "destination": "PayBill 150501 (Ref: 0722123456)",
9  "purpose": "Monthly Home Fibre Renewal",
10  "created_at": "2026-08-17T00:00:00Z"
11}

Method C: Using Lipafy CLI

You can execute transfers and checks directly from your terminal:

$# Instant P2P @tag transfer
$npx lipafy transfer --to "@alice" --amount 1500 --note "Dinner split"
$
$# Pay a verified PayBill
$npx lipafy pay --paybill 150501 --account "0722123456" --amount 3000 --purpose "Fibre renewal"
$
$# Check wallet balance and active spending policy
$npx lipafy whoami