Send airtime, data or a bundle to a phone number
curl --request POST \
--url https://api.rach.finance/api/v1/airtime/topup \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"reference": "order-2026-0001",
"phone": "+2348031234567",
"country_code": "NG",
"amount": "1000",
"customer_id": "<string>",
"operator_id": 123,
"use_local_amount": true
}
'import requests
url = "https://api.rach.finance/api/v1/airtime/topup"
payload = {
"reference": "order-2026-0001",
"phone": "+2348031234567",
"country_code": "NG",
"amount": "1000",
"customer_id": "<string>",
"operator_id": 123,
"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: 'order-2026-0001',
phone: '+2348031234567',
country_code: 'NG',
amount: '1000',
customer_id: '<string>',
operator_id: 123,
use_local_amount: true
})
};
fetch('https://api.rach.finance/api/v1/airtime/topup', 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/airtime/topup",
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' => 'order-2026-0001',
'phone' => '+2348031234567',
'country_code' => 'NG',
'amount' => '1000',
'customer_id' => '<string>',
'operator_id' => 123,
'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/airtime/topup"
payload := strings.NewReader("{\n \"reference\": \"order-2026-0001\",\n \"phone\": \"+2348031234567\",\n \"country_code\": \"NG\",\n \"amount\": \"1000\",\n \"customer_id\": \"<string>\",\n \"operator_id\": 123,\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/airtime/topup")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"reference\": \"order-2026-0001\",\n \"phone\": \"+2348031234567\",\n \"country_code\": \"NG\",\n \"amount\": \"1000\",\n \"customer_id\": \"<string>\",\n \"operator_id\": 123,\n \"use_local_amount\": true\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.rach.finance/api/v1/airtime/topup")
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\": \"order-2026-0001\",\n \"phone\": \"+2348031234567\",\n \"country_code\": \"NG\",\n \"amount\": \"1000\",\n \"customer_id\": \"<string>\",\n \"operator_id\": 123,\n \"use_local_amount\": true\n}"
response = http.request(request)
puts response.read_bodyValue-Added Services
Send airtime, data or a bundle to a phone number
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.
Set use_local_amount: true to express the amount in the recipient’s own currency
(what a local customer expects to type); otherwise it is in the sender currency (USD).
operator_id may be omitted to auto-detect the network from the number. To sell a
data plan or bundle, pass the operator_id of that product from /airtime/operators.
POST
/
api
/
v1
/
airtime
/
topup
Send airtime, data or a bundle to a phone number
curl --request POST \
--url https://api.rach.finance/api/v1/airtime/topup \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"reference": "order-2026-0001",
"phone": "+2348031234567",
"country_code": "NG",
"amount": "1000",
"customer_id": "<string>",
"operator_id": 123,
"use_local_amount": true
}
'import requests
url = "https://api.rach.finance/api/v1/airtime/topup"
payload = {
"reference": "order-2026-0001",
"phone": "+2348031234567",
"country_code": "NG",
"amount": "1000",
"customer_id": "<string>",
"operator_id": 123,
"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: 'order-2026-0001',
phone: '+2348031234567',
country_code: 'NG',
amount: '1000',
customer_id: '<string>',
operator_id: 123,
use_local_amount: true
})
};
fetch('https://api.rach.finance/api/v1/airtime/topup', 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/airtime/topup",
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' => 'order-2026-0001',
'phone' => '+2348031234567',
'country_code' => 'NG',
'amount' => '1000',
'customer_id' => '<string>',
'operator_id' => 123,
'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/airtime/topup"
payload := strings.NewReader("{\n \"reference\": \"order-2026-0001\",\n \"phone\": \"+2348031234567\",\n \"country_code\": \"NG\",\n \"amount\": \"1000\",\n \"customer_id\": \"<string>\",\n \"operator_id\": 123,\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/airtime/topup")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"reference\": \"order-2026-0001\",\n \"phone\": \"+2348031234567\",\n \"country_code\": \"NG\",\n \"amount\": \"1000\",\n \"customer_id\": \"<string>\",\n \"operator_id\": 123,\n \"use_local_amount\": true\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.rach.finance/api/v1/airtime/topup")
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\": \"order-2026-0001\",\n \"phone\": \"+2348031234567\",\n \"country_code\": \"NG\",\n \"amount\": \"1000\",\n \"customer_id\": \"<string>\",\n \"operator_id\": 123,\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
application/json
Response
Order placed