# Swarmbyte Payments API

> Server-to-server API for mobile money collections (STK push) and disbursements (B2C payouts) in Uganda (UGX, MTN and Airtel). Authenticate with OAuth client credentials, call collect/disburse with an idempotency key, then track transactions by webhook or status polling.

- API base URL: https://core.swarmbyte.com
- Merchant dashboard (API key, secret, IP allowlist, disbursement PIN): https://pay.swarmbyte.com/
- Every page below is plain Markdown. The whole site in one file: https://docs.swarmbyte.com/llms-full.txt

## Guides

- [Overview](https://docs.swarmbyte.com/overview.md): Programmatic merchant API — scopes, auth, and limits.
- [Integration guide](https://docs.swarmbyte.com/integration.md): End-to-end flow, webhooks, polling
- [Field reference](https://docs.swarmbyte.com/field-reference.md): Headers & JSON fields explained
- [Errors overview](https://docs.swarmbyte.com/errors-overview.md): Shared error format, validation, limits

## API reference

- [Token (collections)](https://docs.swarmbyte.com/oauth-collections-token.md): POST /v1/oauth/collections/token
- [Token (disbursements)](https://docs.swarmbyte.com/oauth-disbursements-token.md): POST /v1/oauth/disbursements/token
- [Collect](https://docs.swarmbyte.com/collect.md): POST /v1/collect — STK collection
- [Collection status](https://docs.swarmbyte.com/collect-status.md): GET /v1/collect/transactions/:transactionId
- [Disburse](https://docs.swarmbyte.com/disburse.md): POST /v1/disburse — B2C payout
- [Disbursement status](https://docs.swarmbyte.com/disburse-status.md): GET /v1/disburse/transactions/:transactionId
- [Webhooks (incoming)](https://docs.swarmbyte.com/webhooks.md): Callbacks to your webhookUrl