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Jenzy Hermes is a payout API for Malawi. You prefund a Malawian kwacha (MWK) balance. To do this, you trade USDT with Jenzy over the counter. Your system then draws that balance down. Each payout is one API call to a Malawian bank account or to a mobile money number.
Production keys move real money. Each payout that you create in production is final. Build and test your integration in the sandbox first. Then do the steps in Go live.

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The model

  1. Fund your balance — send MWK to your org’s account number. The portal shows the number, under Integration → Account number. The money becomes a collection and credits your balance. Jenzy subtracts one percentage fee: 1.5% as standard, or your agreed rate. See Pay-ins.
  2. Draw the balance down — your system creates payouts against the balance with POST /payouts/bank or POST /payouts/momo. Hermes holds the funds when it accepts the payout. Hermes settles the funds when the payout succeeds.
  3. Track the result — Hermes tells you when a payout gets to a terminal state. Use webhooks, or read GET /payouts/{id}.

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Base URL

Production:
Sandbox:
All requests use HTTPS. All bodies are JSON. All endpoints need your API key. Build and test in the sandbox first.

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Money values

Hermes sends you MWK amounts as exact decimal strings with two decimal places. Two examples are "250000.00" and "99177.50". The kwacha has a subunit: the tambala. One tambala is one hundredth of a kwacha. Jenzy charges fees in tambala. Because of this, a balance of "99177.50" is correct. You can send MWK amounts to Hermes in two forms. Use a JSON integer of whole kwacha, for example 250000. Or use an exact decimal string with a maximum of two decimal places, for example "250000.50". Hermes refuses a fractional JSON number. Send "100000.05". Do not send 100000.05. This rule keeps a request for a subunit clear in your request body. Read each money field with a decimal library. Do not use parseFloat.

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Where to start

Quickstart

Key, balance, first payout, and confirmation. Five curl calls.

Payouts

Rails, fees, statuses, and how to track a payout to its result.

Pay-ins

How money comes into your balance, and what it costs.

Webhooks

The event list, and how to verify a signature.

Errors

Each error code, its meaning, and when to send the request again.

Maintenance and outages

How your system must operate when Jenzy stops the API.

Authentication

Keys, key rotation, IP allowlists, and rate limits.