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

import { Lipafy } from '@lipafy/sdk'
const lipafy = new Lipafy({
  apiKey: process.env.LIPAFY_API_KEY!,
})
async function main() {
  // 1. Create a Payment Intent (e.g. Safaricom Home Fibre Renewal)
  const intent = await lipafy.payments.create({
    paymentType: 'PAYBILL_PAYMENT',
    paybill: '150501',
    accountReference: '0722123456',
    amountMinor: '300000', // KES 3,000.00
    currency: 'KES',
    purpose: 'Monthly Home Fibre Renewal',
  })
  console.log(`Payment Status: ${intent.status}`)
  console.log(`Tracking ID: ${intent.id}`)
}
main().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):

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

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