Note: Multi-stage payments require **Session Key (Public Key 2)**. First execute the **Reserve Funds** payload. Once authorized, copy the `output_TransactionID` and customer `VoucherCode` to **Commit** or **Release** the transaction below.

Step 1: Reserve Funds Request

Customer Phone (MSISDN)

Charge Amount

Merchant Shortcode

Transaction Reference

Country Code

Currency Code

Purchased Items Description

Third Party Conversation ID

API Version

Reserve Funds

Step 2: Commit / Release Reserved Funds

M-Pesa Transaction ID (output_TransactionID)

Voucher Code (sent to customer)

Action / Decision COMMIT (1) - Complete payment and debit customer RELEASE (0) - Uncommit payment and refund/unfreeze customer

Merchant Shortcode

Country Code

API Version

Third Party Conversation ID

Update Transaction Status

Query Transaction Status

Query Reference (TransactionID, ConversationID, or ThirdPartyConvID)

Merchant Shortcode

Country Code

Third Party Conversation ID

Query Status

Query Beneficiary KYC Details

Customer Phone (MSISDN)

Merchant Shortcode

KYC Query Type Name (First & Last Name)

Country Code

Third Party Conversation ID

Query KYC Beneficiary