Withdrawals
Check your balance and pay out your organization's earnings.
Pay out your organization's earnings to a Telebirr, M-Pesa, or CBE account. The 5%
JamiDev usage fee is cut from the amount you withdraw (not added on top) — you
withdraw amount, the fee (and any government tax) is deducted, and the destination
receives the net.
All money is in ETB minor units (santim): 10000 = 100.00 ETB.
Withdrawals require a production organization with Developer Mode enabled and
approved KYC. The minimum withdrawal is 1,000.00 ETB (100000 santim).
Withdrawals of 10,000 ETB or less are paid out automatically — they come back with
status processing/completed. Larger amounts are held for manual review
(status: 'pending').
Get balance
GET /api/jamidev/balance
Authorization: Bearer jamidev_live_…With the SDK:
const { balanceMinor, eligible } = await jami.getBalance();Response
{ "success": true, "eligible": true, "balanceMinor": 250000, "currency": "ETB" }balanceMinoris the withdrawable balance in santim.eligibleisfalse(andbalanceMinoris0) when the org isn't in production or Developer Mode is off.
Create a withdrawal
POST /api/jamidev/withdrawals
Authorization: Bearer jamidev_live_…
Idempotency-Key: payout-2026-08-12-001 (optional)
{ "amount": 100000, "gateway": "telebirr", "account": "251911223344" }With the SDK:
const withdrawal = await jami.createWithdrawal({
amount: 100000, // gross santim (1,000 ETB); the 5% fee is cut from this
gateway: 'telebirr', // 'telebirr' | 'mpesa' | 'cbe'
account: '251911223344',
idempotencyKey: 'payout-2026-08-12-001',
});| Field | Notes |
|---|---|
amount | Gross santim to withdraw. Min 100000 (1,000 ETB). The fee/tax is cut from this. |
gateway | telebirr | mpesa | cbe |
account | Destination phone for the gateway (2519…) |
Idempotency-Key | Optional header. Reusing a key returns the original withdrawal instead of creating a second one. |
Preview the cut offline before calling — the server resolves your org's real rate and is authoritative:
Jami.computeWithdrawalQuote(100000);
// → { amount: 100000, feeAmount: 5000, taxAmount: 0, netAmount: 95000, feeRate: 0.05, taxRate: 0 }Response
{
"_id": "665f1c2ab8d3a2f4e1a9c222",
"status": "completed",
"amount": 100000,
"feeAmount": 5000,
"taxAmount": 0,
"netAmount": 95000,
"currency": "ETB",
"gateway": "telebirr",
"account": "251911223344",
"createdAt": "2026-08-12T09:29:58.000Z"
}netAmount(amount − feeAmount − taxAmount) is what actually reaches the account.- Amounts ≤ 10,000 ETB auto-pay —
statuscomes backprocessing/completed. Larger amounts land aspending, are reviewed (reviewing/approved/rejected), then paid out (processing→completed).
Get / list withdrawals
GET /api/jamidev/withdrawals?page=1&limit=20&status=completed
GET /api/jamidev/withdrawals/{id}
Authorization: Bearer jamidev_live_…const page = await jami.listWithdrawals({ status: 'completed', limit: 20 });
const one = await jami.getWithdrawal('665f1c2ab8d3a2f4e1a9c222');Track completion with the withdrawal.paid / withdrawal.failed
webhooks, or poll getWithdrawal.