KCB FUNDS TRANSFER API SPECIFICATION DOCUMENT

VERSION 1.2

Introduction
This document seeks to describe the specifications to integrate to the FT API. The API supports Internal
Funds Transfer, Transfer to other banks via Pesalink, RTGS, EFT.

Requirements
- A KCB Bank account number
- Indemnity form (Template to be shared by KCB Bank)
- Customer Letter

Request specification
Specification Description Sample/Value

Request Type Http Method POST

Header - Content-Type Http content type header application/json

Request Body {
"beneficiaryDetails": "JOHN DOE",
"companyCode": "KE0010001",
"creditAccountNumber": "909099090",
"currency": "KES",
"debitAccountNumber": "37890012",
"debitAmount": 10,
"paymentDetails": "fee payment",
"transactionReference": "MHSGS7883",
"transactionType": "AC",
"beneficiaryBankCode": "19"
}

KCB FT API SPECIFICATION DOCUMENT Page 1 of 6

Request Parameter Definitions

Field Description Sample

beneficiaryDetails KCB Account Name JOHN DOE

companyCode KE0010001

creditAccountNumber KCB Account to be credited 909099090

currency KES

debitAccountNumber KCB Account to be debited 37890012

debitAmount Amount to be debited from debit account and credited to 100

credit account number.

paymentDetails A brief description for payment reason Utility payment

transactionReference A unique transaction code that will be used to track the FTAPI7883TCP
request lifecycle. This is generated by the 3rd party calling
the service and must be unique per transaction.

transactionType A short code to determine type of transaction, that is, KCB IF

Internal Funds Transfer, EFT, RTGS etc. See Appendix 1 for
all transaction type codes.

beneficiaryBankCode Bank code to determine beneficiary’s bank. See appendix 01

2 for all bank codes.

KCB FT API SPECIFICATION DOCUMENT Page 2 of 6

Possible Responses
Response Description
{ Unauthorized request. Ensure to
"fault": {
"code": 900902, use consumer key and consumer
"message": "Missing Credentials", secret issued on the onboarding
"description": "Missing Credentials. Make sure your process
API request provides required credentials"
}
}

{ Successful call. Your request is

“statusCode”: “0”,
“statusMessage”: “Success”, being processed. You will receive
“statusDescription”: “Request received for processing”, the outcome on the Callback URL
“merchantID”: “263eb626-3fe7-4662-813e-f6f2962219e1”, specified during onboarding
“retrievalRefNumber”: “PCI663RSS”
}

{ Request failed due to either daily

"statusCode": "1",
"statusMessage": "Error", limit or transaction limit as
"statusDescription": "Validation failed: Transaction specified on FT portal.
failed due to limit rule",
"merchantID": null,
"retrievalRefNumber": "GB99JBOD"
}

{ Request failed due to either a

“statusCode”: “1”,
“statusMessage”: “Error”, missing field or an invalid value on
“statusDescription”: “Validation failed: Invalid crucia l the request body.
param”,
“merchantID”: null,
“retrievalRefNumber”: “AGP46IB”
}

{ Request failed because of duplicate

"statusCode": "1",
"statusMessage": "Error", transactionReference. Ensure you
"statusDescription": "Validation failed: Retrieval RefN pass a unique one per request.
umber already exist", "merchantID": null,
"retrievalRefNumber": "CSS472TCP"
}

KCB FT API SPECIFICATION DOCUMENT Page 3 of 6

Notification
After processing of the request, a notification will be sent to the callback URL provided. Partner should
expect a POST request with payload as follows.

Callback/Notification payload {
"ftReference": "FT22060GXZGY",
"transactionDate": "2022-07-06T11:08:40.019Z",
"amount": "100",
"transactionStatus": "SUCCESS",
"transactionMessage": "Processed Successfully",
"beneficiaryAccountNumber": "1226938922",
"beneficiaryName": "JOHN DOE",
"transactionReference": "CSS472TCP",
"merchantId": "1d2b13f8-ea62-465c-9fda-e18353579880",
"debitAccountNumber" : "1279258233"
}

Notification Parameter Definition

Field Description Sample

ftReference Core banking system transaction Id. FT22017MHXT2

Available for successful transactions only.

transactionDate 2022-07-
06T11:08:40.019Z

transactionStatus Outcome of the request. SUCCESS/FAILED

transactionMessage Processed Successfully/
Invalid beneficiary
account
beneficiaryAccountNumber KCB Account to credited. 1226938922
amount 100

transactionReference Unique transaction Id supplied by partner CSS472TCP

when initiating request.
merchantId Unique transaction Id received from KCB on 1d2b13f8-ea62-465c-
request received acknowledgment.
9fda-e18353579880
beneficiaryName Name of the credited party JOHN DOE

debitAccountNumber Debited account number 1226938933

KCB FT API SPECIFICATION DOCUMENT Page 4 of 6

Appendix

1. Transaction Type References

Code Type

IF Internal KCB Funds transfer

RT RTGS

PL PESALINK

EF EFT

2. Bank Codes
BANK NAME PARTICIPANT IDENTIFICATION CODE ON THE NEW IPS (PIC)
KCB 01
Stanchart 02
ABSA 03
Bank of India 05
Bank of Baroda 06
NCBA 07
Prime Bank 10
Coop Bank 11
NBK 12
M-Oriental 14
Citi Bank 16
Habib Bank AG Zurich 17
Middle East Bank 18
Bank of Africa 19
Consolidated 23
Credit Bank 25
Access Bank 26
Stanbic Bank 31
ABC Bank 35
Eco Bank 43
SPIRE Bank 49

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 Paramount 50
Kingdom Bank 51
Gt Bank 53
Victoria Bank 54
Guardian Bank 55
I&M Bank 57
Development Bank 59
SBM 60
Housing finance 61
DTB 63
Mayfair Bank 65
Sidian Bank 66
Equity Bank 68
Family Bank 70
Gulf African Bank 72
First Community Bank 74
DIB Bank 75
UBA 76
KWFT 78
Faulu Bank 79
Post Bank 99

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