curl --request POST \
--url https://api.rach.finance/api/v1/bills/pay \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"reference": "<string>",
"biller_id": 123,
"subscriber_account": "<string>",
"amount": "<string>",
"customer_id": "<string>",
"use_local_amount": true
}
'import requests
url = "https://api.rach.finance/api/v1/bills/pay"
payload = {
"reference": "<string>",
"biller_id": 123,
"subscriber_account": "<string>",
"amount": "<string>",
"customer_id": "<string>",
"use_local_amount": True
}
headers = {
"X-API-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
reference: '<string>',
biller_id: 123,
subscriber_account: '<string>',
amount: '<string>',
customer_id: '<string>',
use_local_amount: true
})
};
fetch('https://api.rach.finance/api/v1/bills/pay', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.rach.finance/api/v1/bills/pay",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'reference' => '<string>',
'biller_id' => 123,
'subscriber_account' => '<string>',
'amount' => '<string>',
'customer_id' => '<string>',
'use_local_amount' => true
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-Key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.rach.finance/api/v1/bills/pay"
payload := strings.NewReader("{\n \"reference\": \"<string>\",\n \"biller_id\": 123,\n \"subscriber_account\": \"<string>\",\n \"amount\": \"<string>\",\n \"customer_id\": \"<string>\",\n \"use_local_amount\": true\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-Key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.rach.finance/api/v1/bills/pay")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"reference\": \"<string>\",\n \"biller_id\": 123,\n \"subscriber_account\": \"<string>\",\n \"amount\": \"<string>\",\n \"customer_id\": \"<string>\",\n \"use_local_amount\": true\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.rach.finance/api/v1/bills/pay")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"reference\": \"<string>\",\n \"biller_id\": 123,\n \"subscriber_account\": \"<string>\",\n \"amount\": \"<string>\",\n \"customer_id\": \"<string>\",\n \"use_local_amount\": true\n}"
response = http.request(request)
puts response.read_bodyPay a utility bill
reference is your idempotency key and is required. Repeating a POST with the same
reference returns the ORIGINAL order rather than buying twice — enforced by a unique
index, so retrying after a timeout is always safe.
Order of operations, so a failure is never ambiguous:
- the request is validated against the real catalogue rules;
- your balance is debited atomically — too low stops here and nothing is spent;
- the provider float is checked — if it cannot cover the order you get a 503 and are not charged;
- the provider is called;
- if the provider fails, your balance is refunded automatically.
Execution is detached from this HTTP request: if your client times out the purchase still completes and is recorded. Never retry with a NEW reference after a timeout — look the order up by the original one.
Confirm the meter or account number with your customer first. The provider does not validate subscriber accounts, so a payment to a mistyped number is delivered to whoever owns that meter and cannot be recalled.
curl --request POST \
--url https://api.rach.finance/api/v1/bills/pay \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"reference": "<string>",
"biller_id": 123,
"subscriber_account": "<string>",
"amount": "<string>",
"customer_id": "<string>",
"use_local_amount": true
}
'import requests
url = "https://api.rach.finance/api/v1/bills/pay"
payload = {
"reference": "<string>",
"biller_id": 123,
"subscriber_account": "<string>",
"amount": "<string>",
"customer_id": "<string>",
"use_local_amount": True
}
headers = {
"X-API-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
reference: '<string>',
biller_id: 123,
subscriber_account: '<string>',
amount: '<string>',
customer_id: '<string>',
use_local_amount: true
})
};
fetch('https://api.rach.finance/api/v1/bills/pay', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.rach.finance/api/v1/bills/pay",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'reference' => '<string>',
'biller_id' => 123,
'subscriber_account' => '<string>',
'amount' => '<string>',
'customer_id' => '<string>',
'use_local_amount' => true
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-Key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.rach.finance/api/v1/bills/pay"
payload := strings.NewReader("{\n \"reference\": \"<string>\",\n \"biller_id\": 123,\n \"subscriber_account\": \"<string>\",\n \"amount\": \"<string>\",\n \"customer_id\": \"<string>\",\n \"use_local_amount\": true\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-Key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.rach.finance/api/v1/bills/pay")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"reference\": \"<string>\",\n \"biller_id\": 123,\n \"subscriber_account\": \"<string>\",\n \"amount\": \"<string>\",\n \"customer_id\": \"<string>\",\n \"use_local_amount\": true\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.rach.finance/api/v1/bills/pay")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"reference\": \"<string>\",\n \"biller_id\": 123,\n \"subscriber_account\": \"<string>\",\n \"amount\": \"<string>\",\n \"customer_id\": \"<string>\",\n \"use_local_amount\": true\n}"
response = http.request(request)
puts response.read_bodyAuthorizations
Business API key for server-to-server integrations.
Key prefix determines the environment — no separate flag needed:
test_sk_* = sandbox/testnet, live_sk_* = production/mainnet.
Body
Response
Order placed

