> ## Documentation Index
> Fetch the complete documentation index at: https://docs.niobi.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Make Payments

This section explains how to execute payouts using Niobi’s Payment API, covering various payment channels and the payout process.

<Note>This page covers Version 3 of the API. For the latest samples and integration flow, refer to the updated [Make Payments v4](/making-payments-v4) page.</Note>

To start making payments using these methods, ensure that your Niobi account is set up and verified. Refer to the ‘Setting up a Niobi Account’ section in the [Getting Started](/quickstartv2) section for detailed steps on account creation and setup.

### Using the API

The unified-payments api endpoint is used for making payments across the supported countries. Please find the full API reference [here](/api-reference/payment/niobi-unified-payment-version-3).

You will be required to pass in the following parameters:

| Parameter                 | Type   | Required | Description                                                                                                                                   |
| ------------------------- | ------ | -------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| **Amount**                | Number | Yes      | The amount to be paid from your account. This is in absolute form (e.g. 100 KES should be passed as 100).                                     |
| **Currency**              | String | Yes      | The currency in which the payment will be made.                                                                                               |
| **Payment Reference**     | String | Yes      | Information you will use to refer to the transaction later.                                                                                   |
| **First Name**            | String | Yes      | The first name of the recipient.                                                                                                              |
| **Last Name**             | String | Yes      | The last name of the recipient.                                                                                                               |
| **Mobile**                | String | Yes      | The phone number of the recipient.                                                                                                            |
| **Email**                 | String | Yes      | The email of the recipient.                                                                                                                   |
| **Country ID**            | String | Yes      | The ID of the country the payment will be made to. The full list can be found [here](/api-reference/payment/niobi-unified-payment-version-3). |
| **City**                  | String | Yes      | The city of the recipient.                                                                                                                    |
| **Postal Code**           | String | Yes      | The postal code of the recipient.                                                                                                             |
| **Address Line 1**        | String | Yes      | The address line 1 of the recipient.                                                                                                          |
| **Description**           | String | No       | A description or message from the payer who is making the payment.                                                                            |
| **Client Callback URL**   | String | Yes      | The callback URL for payment confirmation response.                                                                                           |
| **Third Party Reference** | String | No       | Information you'd like to use to refer to the deposit later.                                                                                  |
| **Payment Method Type**   | String | Yes      | The payment channel that will be used for the payment.                                                                                        |
| **Payment Method Object** | Object | Yes      | An object containing the recipient's phone number for the selected payment method type.                                                       |

You will then generate a signature using the parameters above and proceed to make an api request using the payload.
On successful payment, you will receive a callback response with the transaction details. Please find a detailed description of the callback response under [Callback URL Section.](/callback-urls)

<Note>Please note that all live transactions made through our API are subject to a transaction fee.</Note>