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

# API Integration Guide

> REST API for accepting payments and sending payouts across Zambia.

Bila is a REST API for accepting mobile money collections and sending payouts. All requests use HTTPS and return JSON. Authenticate using API keys from your [Bila Console](https://app.usebila.com).

export const DCard = ({title, description, href, icon}) => <a href={href} style={{
  textDecoration: 'none',
  borderBottom: 'none',
  border: 'none',
  display: 'block'
}}>
    <div style={{
  borderRadius: '16px',
  padding: '32px',
  height: '160px',
  display: 'flex',
  flexDirection: 'column',
  justifyContent: 'flex-end',
  background: 'transparent',
  border: '0.5px solid #f16101',
  cursor: 'pointer',
  transition: 'all 0.15s ease-in-out',
  boxShadow: '0 4px 14px 0 rgba(241, 97, 1, 0.1)'
}} onMouseEnter={e => {
  e.currentTarget.style.background = 'rgba(241, 97, 1, 0.05)';
  e.currentTarget.style.boxShadow = '0 6px 20px 0 rgba(241, 97, 1, 0.2)';
  e.currentTarget.style.transform = 'translateY(-2px)';
}} onMouseLeave={e => {
  e.currentTarget.style.background = 'transparent';
  e.currentTarget.style.boxShadow = '0 4px 14px 0 rgba(241, 97, 1, 0.1)';
  e.currentTarget.style.transform = 'none';
}}>
      <div style={{
  fontSize: '24px',
  marginBottom: '8px'
}}>{icon}</div>
      <div style={{
  fontWeight: '500',
  fontSize: '16px'
}}>{title}</div>
      <div style={{
  opacity: 0.6,
  fontSize: '13px',
  marginTop: '4px'
}}>{description}</div>
    </div>
  </a>;

export const DGrid = ({children}) => <div style={{
  display: 'grid',
  gridTemplateColumns: 'repeat(auto-fill, minmax(280px, 1fr))',
  gap: '24px',
  marginBottom: '32px'
}}>
    {children}
  </div>;

## Get started

<DGrid>
  <DCard title="Quick Start" description="Make your first API call in minutes" href="/docs/developers/quickstart" icon="▷" />

  <DCard title="Authentication" description="Secure requests with API keys" href="/docs/developers/authentication" icon="△" />

  <DCard title="Error Handling" description="Understand and handle API errors" href="/docs/developers/errors" icon="☐" />

  <DCard title="API Reference" description="Interactive reference for all endpoints" href="/docs/api-reference" icon="⟡" />
</DGrid>

## Working Environment

| Environment | Base URL                             |
| ----------- | ------------------------------------ |
| Production  | `https://api.usebila.com/api/v1`     |
| Sandbox     | `https://sandbox.usebila.com/api/v1` |

Get your API keys from the [Console](https://app.usebila.com).

## Core API Features

<DGrid>
  <DCard title="Accounts" description="View balances and wallet details" href="/docs/developers/accounts/overview" icon="◎" />

  <DCard title="Collections" description="Accept mobile money payments" href="/docs/developers/collections/overview" icon="○" />

  <DCard title="Transfers" description="Send payouts to bank accounts and wallets" href="/docs/developers/transfers/overview" icon="⇒" />

  <DCard title="Transactions" description="View and filter transaction history" href="/docs/developers/transactions/overview" icon="◷" />
</DGrid>

## Supported Countries & Providers

### Countries

| Country | Code | Currency |
| ------- | ---- | -------- |
| Zambia  | `zm` | ZMW      |

### Mobile Money Providers

| Provider         | Code     |
| ---------------- | -------- |
| Airtel Money     | `airtel` |
| MTN Mobile Money | `mtn`    |
| Zamtel Kwacha    | `zamtel` |