GET /balance

GET /api/v1/remittance/balance

Your live wallet balances across every operator + currency + direction.

Auth: Basic merchant_code:merchant_secret

Response (200 OK)

{
  "status": "success",
  "data": {
    "wallets": [
      {
        "wallet_code":   "wc_mpesa_usd_prod1",
        "operator":      "mpesa",
        "currency":      "USD",
        "direction":     "inbound",
        "balance":       1234.56,
        "reserved":      45.00,
        "available":     1189.56,
        "last_updated":  "2026-08-14T14:00:00.000000"
      }
    ]
  }
}

Understanding the three amounts

• balance = total credited to the wallet, minus everything confirmed
• reserved = amount frozen on in-flight transactions (Submitted state)
• available = balance - reserved (what you can actually send)

When to top up

Top up before available drops below your typical daily outflow. Insufficient balance results in RMT-3001 and every failed /inbound re-enters your retry queue — bad for throughput and support tickets.