# Bila API Documentation

- [ ](https://docs.usebila.com/docs/guide/home.md)
- [Individual Verification (KYC)](https://docs.usebila.com/docs/individual-verification.md): Step-by-step guide to creating your Bila account and completing identity verification as an individual merchant.
- [Business Verification (KYB)](https://docs.usebila.com/docs/business-verification.md): Step-by-step guide to verifying your Bila business account, required documents, PACRA requirements, UBO documentation, and what to expect at every step.
- [What is a Sub-wallet?](https://docs.usebila.com/docs/guide/sub-wallets/what-is-a-sub-wallet.md): Sub-wallets let you organize your business finances by creating separate pockets within your primary Bila account.
- [How to create a sub-wallet](https://docs.usebila.com/docs/guide/sub-wallets/how-to-create-a-sub-wallet.md): Follow these simple steps to create a sub-wallet and organize your business finances.
- [Wallets & Settlements](https://docs.usebila.com/docs/wallets-and-settlements.md): Manage your wallet balances, sub-wallets, and settlement accounts direct funds from specific wallets to different bank or mobile money accounts.
- [Team Members & Access Control](https://docs.usebila.com/docs/guide/team-members/team-member-feature.md): Grant your staff access to your Bila account with role-based permissions - without sharing your login credentials.
- [How to Add a Team Member](https://docs.usebila.com/docs/guide/team-members/how-to-add-team-member.md): Invite staff to your Bila account and assign their role and notification preferences.
- [Set Admin Roles](https://docs.usebila.com/docs/guide/team-members/how-to-set-admin-roles.md): Learn how to invite team members, assign roles, and configure notification access from your Bila admin settings.
- [Change Admin Roles](https://docs.usebila.com/docs/guide/team-members/change-admin-roles.md): Learn how to update an existing admin's role, wallet access, and notification settings from your Bila dashboard.
- [Fees & Charges](https://docs.usebila.com/docs/guide/fees-and-charges/operating-costs.md): Understand what it costs to operate your Bila business account and how transaction fees are applied.
- [Configure Collection and Payout Fees](https://docs.usebila.com/docs/guide/fees-and-charges/configure-collection-and-payout-fees.md)
- [Add Money](https://docs.usebila.com/docs/guide/payments/add-money.md): Top up your Bila wallet using mobile money or bank transfer.
- [Add a Recipient](https://docs.usebila.com/docs/guide/payments/add-recipient.md): Save the details of people or businesses you send money to so you can pay them out faster.
- [Payment Statuses](https://docs.usebila.com/docs/guide/payments/payment-statuses.md): Understand what each payment status means so you can track exactly where your money is.
- [Transaction History](https://docs.usebila.com/docs/guide/payments/transaction-history.md): View, search, and filter all your past payments on Bila.
- [Supported Payment Methods](https://docs.usebila.com/docs/guide/payments/supported-payment-methods.md): The payment rails Bila supports for collections and payouts in Zambia.
- [Add a Product](https://docs.usebila.com/docs/guide/product-store/how-to-add-my-product.md): Learn how to list a new item in your store and make it available for customer checkout on the Bila platform.
- [Set Up Your Viewstore](https://docs.usebila.com/docs/guide/product-store/setting-up-your-viewstore.md): Launch a professional, mobile-responsive storefront in minutes - no code required.
- [Pay for a Product](https://docs.usebila.com/docs/guide/product-store/how-to-pay-for-a-product.md): A step-by-step guide to the checkout process for customers paying via mobile money on the Bila platform.
- [Manage Orders](https://docs.usebila.com/docs/guide/product-store/managing-orders.md): Learn how to monitor, filter, and fulfil customer orders from the Bila Orders dashboard.
- [Updating price and stock](https://docs.usebila.com/docs/guide/product-store/updating-price-and-stock.md): Maintain an accurate storefront by keeping your product pricing and inventory levels up to date.
- [Manage Product Visibility](https://docs.usebila.com/docs/guide/product-store/how-to-manage-product-visibility.md): Learn how to show or hide products on your storefront without deleting them from your Bila dashboard.
- [Stock Activity](https://docs.usebila.com/docs/guide/product-store/how-to-manage-stock-activity.md): Learn how to monitor and audit every inventory movement across your product catalogue on the Bila platform.
- [Product Store Reports](https://docs.usebila.com/docs/guide/product-store/analytics.md): Learn how to monitor your store's sales performance, track top products, and manage low stock alerts using the Bila Reports dashboard.
- [Deliveries](https://docs.usebila.com/docs/guide/product-store/deliveries.md): Track, update, and message customers about deliveries from your Product Store.
- [Add a Cashier to POS](https://docs.usebila.com/docs/guide/pos/how-to-add-cashier.md): Learn how to create a cashier account so your team can process sales on any POS device.
- [Edit and Manage Cashiers](https://docs.usebila.com/docs/guide/pos/edit-and-manage-cashiers.md): Learn how to update cashier profiles, reset passwords, and control POS access from your Bila merchant dashboard.
- [Track Business Alerts](https://docs.usebila.com/docs/guide/sms-logs/overview.md): Monitor, search, and interpret your SMS delivery logs to verify alerts are reaching your team and customers.
- [Audit Trail](https://docs.usebila.com/docs/guide/audit-logs/overview.md): Monitor every action, login, and API request made within your Bila account.
- [Wallet-to-Wallet Transfers](https://docs.usebila.com/docs/guide/transfers/wallet-to-wallet-transfers.md): Move funds between your Main Wallet and Sub-Wallets instantly - for free.
- [Mobile Money Payouts](https://docs.usebila.com/docs/guide/transfers/mobile-money-payouts.md): Send funds from your Bila wallet to an MTN, Airtel, or Zamtel mobile money account.
- [Bank Payouts](https://docs.usebila.com/docs/guide/transfers/bank-payouts.md): Send funds from your Bila wallet to any Zambian commercial bank account.
- [Create Payment Links](https://docs.usebila.com/docs/guide/payment-links/create-payment-links.md): Learn how to create and manage payment links to collect funds from your customers on Bila.
- [Manage Payment Links](https://docs.usebila.com/docs/guide/payment-links/manage-payment-links.md): Learn how to view, edit, share, and deactivate your payment links on Bila.
- [Paying via QR code](https://docs.usebila.com/docs/guide/payment-links/payment-using-payment-link.md): Every Bila payment link comes with a QR code. When scanned, it opens a secure payment page where customers enter their details and pay instantly, no app needed.
- [How Invoices Work](https://docs.usebila.com/docs/guide/invoices/how-invoices-work.md): Understand invoice statuses, learn how to create and send invoices, and track customer payments from your Bila Product Store.
- [Create an Invoice](https://docs.usebila.com/docs/guide/invoices/create-invoice.md): Step-by-step guide to creating and sending invoices to your customers on Bila.
- [View and Manage Invoices](https://docs.usebila.com/docs/guide/invoices/view-and-manage.md): View invoice details, edit, duplicate, download PDF, and track activity on Bila.
- [Customer Payment Page](https://docs.usebila.com/docs/guide/invoices/customer-payment.md): How your customers view and pay invoices via mobile money on Bila.
- [Invoice Settings](https://docs.usebila.com/docs/guide/invoices/settings.md): Configure invoice numbering, branding, defaults, and notifications on Bila.
- [How USSD payments work](https://docs.usebila.com/docs/guide/ussd/ussd.md): Bila's USSD payment system lets your customers pay instantly, no smartphone or internet connection needed. Any mobile phone on any network can complete a payment in seconds.
- [Report a Bug](https://docs.usebila.com/docs/guide/help-and-support/report-a-bug.md): How to report a bug or issue directly from your Bila dashboard.
- [Request a Feature](https://docs.usebila.com/docs/guide/help-and-support/request-a-feature.md): How to submit a feature idea directly from your Bila dashboard.
- [API Integration Guide](https://docs.usebila.com/docs/developers/overview.md): REST API for accepting payments and sending payouts across Zambia.
- [Quick Start](https://docs.usebila.com/docs/developers/quickstart.md): Get up and running with the Bila API in minutes
- [Authentication](https://docs.usebila.com/docs/developers/authentication.md): Learn how to authenticate with the Bila API
- [Errors](https://docs.usebila.com/docs/developers/errors.md): Understanding Bila API error responses
- [Accounts](https://docs.usebila.com/docs/developers/accounts/overview.md): Manage your payment accounts and wallets
- [Banks](https://docs.usebila.com/docs/developers/banks/overview.md): Access bank reference data for supported countries
- [Resolve Account](https://docs.usebila.com/docs/developers/resolve/overview.md): Verify bank and mobile money accounts before transfers
- [Transfer Recipients](https://docs.usebila.com/docs/developers/recipients/overview.md): Save and manage transfer recipients for faster payouts
- [Transfers](https://docs.usebila.com/docs/developers/transfers/overview.md): Send payouts to bank accounts and mobile money wallets
- [Collections](https://docs.usebila.com/docs/developers/collections/overview.md): Accept payments from customers via mobile money
- [Transactions](https://docs.usebila.com/docs/developers/transactions/overview.md): View and track all transaction history
- [WooCommerce - Bila Payment Gateway](https://docs.usebila.com/docs/developers/plugins/woo-commerce-bila-payment-gateway.md): Accept mobile money payments on your WooCommerce store via Bila from Airtel Money, MTN MoMo, and Zamtel Kwacha.
- [List all accounts](https://docs.usebila.com/docs/api-reference/accounts/list-all-accounts.md): Retrieve a paginated list of accounts/wallets for the authenticated merchant
- [Get account by ID](https://docs.usebila.com/docs/api-reference/accounts/get-account-by-id.md): Retrieve a single account by its UUID
- [Get account balance](https://docs.usebila.com/docs/api-reference/accounts/get-account-balance.md): Retrieve the balance of a specific account
- [List all banks](https://docs.usebila.com/docs/api-reference/banks/list-all-banks.md): Retrieve a list of all supported banks and financial institutions
- [Resolve bank account](https://docs.usebila.com/docs/api-reference/resolve/resolve-bank-account.md): Verify and retrieve bank account holder details
- [Resolve mobile money account](https://docs.usebila.com/docs/api-reference/resolve/resolve-mobile-money-account.md): Verify and retrieve mobile money account holder details
- [List transfer recipients](https://docs.usebila.com/docs/api-reference/transfer-recipients/list-transfer-recipients.md): Retrieve a paginated list of saved transfer recipients
- [Get recipient by ID](https://docs.usebila.com/docs/api-reference/transfer-recipients/get-recipient-by-id.md): Retrieve a single transfer recipient by its UUID
- [Create bank account recipient](https://docs.usebila.com/docs/api-reference/transfer-recipients/create-bank-account-recipient.md): Create a new bank account transfer recipient
- [Create mobile money recipient](https://docs.usebila.com/docs/api-reference/transfer-recipients/create-mobile-money-recipient.md): Create a new mobile money transfer recipient
- [List transfers](https://docs.usebila.com/docs/api-reference/transfers/list-transfers.md): Retrieve a paginated list of transfers/payouts for the authenticated merchant
- [Get transfer by ID](https://docs.usebila.com/docs/api-reference/transfers/get-transfer-by-id.md): Retrieve a single transfer by its UUID
- [Get transfer by reference](https://docs.usebila.com/docs/api-reference/transfers/get-transfer-by-reference.md): Retrieve transfer status by client reference
- [Initiate bank transfer](https://docs.usebila.com/docs/api-reference/transfers/initiate-bank-transfer.md): Initiate a transfer to a bank account. Creates a transaction record in your dashboard.
- [Initiate mobile money transfer](https://docs.usebila.com/docs/api-reference/transfers/initiate-mobile-money-transfer.md): Initiate a transfer to a mobile money account. Creates a transaction record in your dashboard.
- [List collections](https://docs.usebila.com/docs/api-reference/collections/list-collections.md): Retrieve a paginated list of payment collections for the authenticated merchant
- [Get collection by ID](https://docs.usebila.com/docs/api-reference/collections/get-collection-by-id.md): Retrieve a single collection by its UUID
- [Get collection by reference](https://docs.usebila.com/docs/api-reference/collections/get-collection-by-reference.md): Retrieve collection status by client reference
- [Initiate mobile money collection](https://docs.usebila.com/docs/api-reference/collections/initiate-mobile-money-collection.md): Initiate a payment collection from a mobile money account. Creates a transaction record in your dashboard.
- [List transactions](https://docs.usebila.com/docs/api-reference/transactions/list-transactions.md): Retrieve a paginated list of transactions
- [Get transaction by ID](https://docs.usebila.com/docs/api-reference/transactions/get-transaction-by-id.md): Retrieve a single transaction by its UUID
- [List webhook configs](https://docs.usebila.com/docs/api-reference/webhooks/list-webhook-configs.md)
- [Create a webhook config](https://docs.usebila.com/docs/api-reference/webhooks/create-a-webhook-config.md)
- [List webhook event types](https://docs.usebila.com/docs/api-reference/webhooks/list-webhook-event-types.md)
- [Deactivate a webhook](https://docs.usebila.com/docs/api-reference/webhooks/deactivate-a-webhook.md)
- [Update a webhook config](https://docs.usebila.com/docs/api-reference/webhooks/update-a-webhook-config.md)
- [Rotate webhook signing secret](https://docs.usebila.com/docs/api-reference/webhooks/rotate-webhook-signing-secret.md)
- [Get delivery history](https://docs.usebila.com/docs/api-reference/webhooks/get-delivery-history.md)
- [July 2026](https://docs.usebila.com/docs/changelog/2026/july.md): WooCommerce plugin, SDKs, Deliveries, Help & Support - plus expanded documentation across the entire platform.
- [June 2026](https://docs.usebila.com/docs/changelog/2026/june.md): Product Store Reports - real-time analytics for sales performance, top products, and low stock alerts.
- [May 2026](https://docs.usebila.com/docs/changelog/2026/may.md): Bila officially launches - the all-in-one business finance platform for Zambia. Payment Links available from day one.
- [Sandbox Overview](https://docs.usebila.com/docs/sandbox/overview.md): Test your Bila integration safely before going live - no real money, no real consequences.
- [Collections](https://docs.usebila.com/docs/sandbox/collections.md): Initiate and track mobile money collections in the sandbox.
- [Transfers](https://docs.usebila.com/docs/sandbox/transfers.md): Initiate and track mobile money transfers in the sandbox.
- [Webhooks](https://docs.usebila.com/docs/sandbox/webhooks.md): Register webhook endpoints and verify event signatures in the sandbox.
- [Error Reference](https://docs.usebila.com/docs/sandbox/errors.md): Common sandbox error codes and how to fix them.
- [Going Live](https://docs.usebila.com/docs/sandbox/go-live.md): Switch from sandbox to production when you're ready to process real payments.
- [SDK Quickstart](https://docs.usebila.com/docs/sdks/sdk-quickstart.md): Get started with Bila SDKs to integrate payments, collections, and transfers into your application.
- [Python SDK](https://docs.usebila.com/docs/sdks/python-sdk.md): Complete reference for the Bila Python SDK with all available methods and examples
- [Go SDK](https://docs.usebila.com/docs/sdks/go-sdk.md): Complete reference for the Bila Go SDK with all available methods and examples
- [TypeScript SDK](https://docs.usebila.com/docs/sdks/type-script-sdk.md): Complete reference for the Bila TypeScript SDK with all available methods and examples
- [Java SDK](https://docs.usebila.com/docs/sdks/java-sdk.md): Complete reference for the Bila Java SDK with all available methods and examples
- [PHP SDK](https://docs.usebila.com/docs/sdks/php-sdk.md): Complete reference for the Bila PHP SDK with all available methods and examples
- [C# SDK](https://docs.usebila.com/docs/sdks/c-sdk.md): Complete reference for the Bila C# SDK with all available methods and examples

## OpenAPI Specs

- [openapi](/docs/api-reference/openapi.json)

## Optional

- [Website](https://www.usebila.com)
- [Video Tutorials](https://www.youtube.com/@bila-by-devdraft)
- [Help Center](https://help.usebila.com/en)