Skip to content
/Balances

Kaito Merchant API (2.0.0)

Merchant services including payment acceptance, settlements, and financial reporting.

Payment Acceptance: In-person payment acceptance supporting nfc (Tap-to-Pay), qr (QR code), alias (handle resolution), and card_present (chip/swipe).

Charge Flow: Create merchant -> Create charge -> Display QR/NFC -> Confirm via polling or webhook.

Refunds: Full or partial refunds via /refunds.

Banking & Settlements: View settlement history via /settlements, account balances via /balances, and download reconciliation reports in CSV, XLSX, or JSON format. Query /fees for fee breakdown.

Download OpenAPI description
merchant.json
merchant.yaml
Overview
URL
https://developer.kai2.io/support
Kaito Developer Support
support@kai2.io
License
Apache 2.0
Terms of Service
Languages
Servers
Mock server
https://developer.kaito.io/_mock/merchant/
Production
https://api.kai2.io/
Sandbox
https://sandbox.api.kai2.io/

Charges

Create and manage payment charges

Operations

Refunds

Process refunds

Operations

Merchants

Manage merchant accounts

Operations

Settlements

View settlement history

Operations

Balances

View account balances

Operations

Get balance accounts

Request

Security
oAuth2
curl -i -X GET \
  https://developer.kaito.io/_mock/merchant/v1/balances \
  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>'

Responses

Balance accounts

Headers
X-Trace-Idstring(TraceId)

Correlation id for troubleshooting

Example: "trc_01JH8K5P3V9M2K5Q7W6J3Z1A9B"
Bodyapplication/json
itemsArray of objects(BalanceAccount)
Response
application/json
{
  "items": [
    { … }
  ]
}

Reconciliation

Download reconciliation reports

Operations

Fees

View fee breakdown

Operations