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The onramp API collects money from a customer’s phone and delivers USDC to your own wallet. It is the mirror of the off-ramp API: off-ramp sends USDC out to a recipient, onramp brings local currency in as USDC. Use it to accept cash-like payments from people who don’t hold crypto: top up a wallet balance, fund an account, or collect on behalf of your own customers, without ever touching the currency yourself.

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Non-custodial by design

Minisend never holds the USDC. The customer pays with a mobile money prompt on their phone, and the equivalent USDC is released directly to the Base address you specify when creating the order. If a payout cannot be delivered, nothing was collected in the first place, so there is nothing to refund.

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How it works

1

Quote

POST /api/onramp/quote returns the rate and the fee for a given amount, in either direction.
2

Create an order

POST /api/onramp/orders creates the order and sends a payment prompt to the customer’s phone in the same call.
3

Customer pays

The customer confirms the prompt on their phone. No further action from you.
4

USDC arrives

Once payment is confirmed, USDC lands at the address you provided. An onramp.completed webhook fires immediately, and onramp.released follows once the on-chain transfer is confirmed.

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Order lifecycle

completed, failed, and expired are final. Each order is one-shot: a failed or expired order is never retried automatically. Create a new order if the customer wants to try again.

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Fees and rates

The fee is 1%, always collected on top of the amount you receive. You can quote either direction: Every quote returns both figures so you can show the customer the exact prompt amount before creating the order.

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Limits

Orders accept KES 20 to KES 250,000 per transaction, checked at quote time. Only KES (M-Pesa) is supported in this version.

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Getting access

Onramp access is enabled per account. Contact Minisend to activate it. Once enabled, your existing ms_live_ API key carries the onramp scope and every endpoint in this section works. Calls without the scope return 403.

Make your first collection

Quote, create an order, and confirm a collection end to end.