The easiest way to collect, disburse, & engage with your members and clients.

# Prompt a member to pay KES 2,500 into account M-0418
curl -X POST https://control.fobotechnologies.co.ke/api/v1/stk-push \
  -H "Authorization: Bearer $FOBO_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "phone": "2547XXXXXXXX",
    "amount": 2500,
    "account": "M-0418",
    "callback_url": "https://your.app/webhooks/fobo"
  }'

$response = Http::withToken(config('services.fobo.key'))
    ->post('https://control.fobotechnologies.co.ke/api/v1/b2c', [
        'phone'   => '2547XXXXXXXX',
        'amount'  => 50000,
        'purpose' => 'loan_disbursement',
        'reference' => 'LN-2026-0918',
    ]);

// Large payouts wait for maker-checker approval before release.

await fetch("https://control.fobotechnologies.co.ke/api/v1/sms/bulk", {
  method: "POST",
  headers: { Authorization: `Bearer ${process.env.FOBO_API_KEY}` },
  body: JSON.stringify({
    sender_id: "ACME_SACCO",
    group: "active-borrowers",
    message: "Dear {first_name}, your instalment of {amount} is due {due_date}.",
    schedule_at: "2026-10-05T08:00:00+03:00",
  }),
});

// POST https://your.app/webhooks/fobo  ·  X-Fobo-Signature: sha256=…
{
  "event": "c2b.completed",
  "data": {
    "amount": 2500.00,
    "account": "M-0418",
    "mpesa_receipt": "UIN47CQ21",
    "reference": "FOBO_FTLD_9MUDAUI3DZ",
    "sms_receipt": "delivered"
  }
}